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Mint card balance transfer
Does anyone know if you receive a credit card balance transfer application form in the post is this guaranteed or do they still do a search on your credit record? The reason I ask is because a couple of months ago DS was refused credit card with Mint but has now received form in post.:confused:
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Intrest Incurred Due To Royal Mail Strikes...
I was wondering if anyone can help... I have just opened (30th Oct) my latest credit card statement to find there has been intered incurred on my account but on the same date as the statement date, being the 25th October. I never let this happen as I pay the bills of well in advance of the due date, but am quite shocked…
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Card Protection payments
Hi there, i'm generally new to posting on these forums so if I do anything I shouldn't be doing please give me a slight push in the right direction. I've just got off the phone to my Credit Card Company (Halifax One if you're interested)... After paying off my monthly bill and the like I had a further question for them,…
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Tesco taking a liberty !
WARNING When I paid off my Tesco credit card with a substantial £4.5 K, they tried to treble their takings by making THREE applications for the same amount ! Only that I looked at my bank statement after being refused a small withdrawal, I would not have known. How can they do this ? Imagine if the boot was on the other…
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declined for a vanquis card!
i applied so that i could use it to try and build up my credit rating - i only wanted a £100 limit and i earn 30k. do i just give up now and wait a few years? they said i could appeal with extra info - worth doing or not?
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Abbey would not decrease my credit limit.
I have activated my new Abbey/Santander credit card and I wanted a lower credit limit as I don't need £11000+ of credit limit. I was told that they couldn't increase or decrease my credit limit, and I was told it might be a new Abbey rule.:confused: And they confirmed that the high credit limit was probably to match my…
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Abbey would not decrease my credit limit.
I have activated my new Abbey/Santander credit card and I wanted a lower credit limit as I don't need £11000+ of credit limit. I was told that they couldn't increase or decrease my credit limit, and I was told it might be a new Abbey rule.:confused: And they confirmed that the high credit limit was probably to match my…
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Credit Limit...Credit Score
I have an RBS Credit Card with a £450 limit, my outstanding balance is £389 and am just wondering whether to ring up and lower my limit to £400, will this improve my credit score? Or is it not worth doing? Regards
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call centre fraud ( tfl congestion charge )
We recently used the tfl website to pay the congestion charge with our credit card and 1 day after we used there website our card had a tester ( £1 taken ) and then another 10 transactions taken for aprox £680 by using the card on ebay. Is it possible for the people in the call centres to see all the information of the…
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Paying off student loan with 4% cash back card
Hey, After all this talk of the Student Loans Company interest rates going up to 4.8% my folks have agreed to lend me the money to pay the remaining £7K of my balance interest free, just to shift it. (I am not asking for advice on whether this is the most sensible thing to do in terms of should I or shouldn't I pay it off…
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Super Balance Transfer cards
How do you know which cards are SBT cards? I have had a look at different cards to see if I can tell but I just can't seem to. Is there something specific they say so you know they are SBT cards or is it just one of those things that you know about?
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visa electron - credit/debit card?
Hi, i only qualify(so i am told by my bank-Abbey) for the "Visa Electron" debit card because i only work part time,so i cant get credit or a loan etc,but the question i want to ask is does this type of card (visa electron) still qualify as being able to reclaim the charges from that have occurred when i have'nt had the…
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New To Credit Cards
Hi all, im a total newbie to credit cards and was just looking for some help. i want a card that i can use once in a while to help spread the cost of things over a few months, for instance i need a new tire for my motorbike and dont have the cash to pay for it this month. what credit card is best for me?
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MBNA and Interest Hikes - more...
I know there is already a thread mentioning this, but I wanted to add a little more detail. I have over the alst couple of months began to take control of my debt. This includes an MBNA Platinum credit card to which I balance transfered £10,000 about 2 years ago. It has been costing £150 and the balance as of today is…
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Card Protection Hard Sell!
Just phoned to activate my barclaycard (for the freebie £50 voucher) and the guy tried the card protection hard sell. he said that while credit cards are covered for fraudulent use, debit cards aren't so I should have protection for them. Is this correct? I always assumed banks were liable for fraudulent use of an account…
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No history on my credit file
I moved house about 2 months ago to move in with my girlfriend who has lived at the address for about 1 1/2 years. I have updated all my address with any loans credit card and mobile phone companies. I have also updated the electrol roll and have had conformation back from them. We recently applied for a mortgage and was…
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Credit Cards...PayPal...Payment
Morning. After a bit of advice. I have just been accepted for 15 months 0% on purchases. I want to buy an item off someone (not a shop) through a forum. Can I use Paypal (with my card)...does this count as a purchase? Or will I be hammered for interest? Sorry if it's been asked before. Regards Stew
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New Amex Platinum Credit 5% cashback
Looks like the American Express Platinum (credit) card has a new introductory offer, quite possibly in place to compete with CapitalOne's offering. Basically, the first three months will give you 5% cashback on all spend up to £4,000 of spending, so that's £200 cashback. After the three months are up it seems to be the…
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Credit card debt - Payment Holiday advice needed
Guys, Wonder if you can help me. I am in shortterm finacial difficulty and find that I cannot meet my minimum payments on my 4 credit cards, I owe a combined debt of £20000. I want to write them a letter to inform them of my difficulty and ask if they can devise a payment plan to bring me back into credit, or to give me a…
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Company Credit Card - HSBC
Hi All I go away quite a lot with work and they suggested I request a company credit card (We use HSBC) I dont have the perfect credit history (I have only just managed to get my own 1st credit card) Do you still get credit checked for company cards as it is in my name and I get the bills (It is just they pay the bill for…
