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How to know my national credit score?
I wanna know the score as the reference for my following application of credit cards. Any one know how to get it or buy it? Many thanks.
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Advice needed: would like 0% for 10-12 months for £3500
Hi guys, I have six credit cards and a store card (which I never use). I have a balance of just under £1000 on one of them, and nothing else on any of the other cards (after reading site, I plan to cancel most of them - many thanks for the helpful advice). The outstanding balance I have on this one card will be paid off by…
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What else can I do?
Paid Egg card off in July, asked them to close it. Several million statements, letters and secure messages later, it's still open, even though everyone that sends me a message assures me it's closed. Logged in tonight & got a splendid message offering a preferential rate on a balance transfer (for an account that's…
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Abbey Credit Card Cash Back
Has anyone else received their statement for their new Abbey cc yet? I received mine today and dispite spending over £300 in Asda and Tesco have only recieved 81p cash back.
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Help - Natwest credit card charges
I was away from home last month when my Natwest Credit Card bill was due. They had messed up the setting up of my Direct Debit so I paid via online banking and as I didn't have the statement with me I had to guestimate the minimum amount due. I checked what I paid last month (£30) and paid the same again. When I got home I…
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Queries about increasing credit limit (LTSB)
Hi, I am thinking of requesting for an increased credit limit with LTSB, for a large purchase that I am anticipating to purchase. I intend to pay it off in full when the bill comes, but also keep the raised credit limit after that. 1) From your experiences, will an external credit search be performed? (with Experian and…
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Whether to balance transfer or not
I have just followed the site recomendations about getting a Halifax Purchase card - 15 months interest free for purchases, 3% fee for balance transfers. I intend to pay back the minimum amount each month, to get the best out of the interest free period, so I will be using the card regularly for purchases. I have…
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Best time to bag a freebie credit card?
I thought I would go for my second freebie CC, last year I did the Christmas Amazon deal for £25 voucher. I'm tempted to get the oyster CC for the £25 but I am thinking, do card companies usually start offering better deals around Christmas or not? Any observations from last Christmas would be great. All I can say is that…
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CPP dispute - next step?
Hi, I'm in a dispute with CPP over a renewal fee, which I'm looking to you for what the next step should be. I received notification that my renewal would be £45 to be taken in August 2007, this letter was dated November 2005 and this was the ONLY communication I received from them. During August, £70 was taken from my…
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Payment of debts after death of wife
My wife died a couple of months ago and I will shortly have collected all the money owing to her estate. My wife had two credit cards with different banks. There is sufficient money in the estate to completely pay off one of the cards, but not the other. My options seem to be as follows - grateful if anyone can offer…
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Crazy Credit Card offer!
Recieved this e-mail for a credit card! [FONT=Verdana, Arial, Helvetica, sans-serif] !!!!!!!!! think i will give it a miss! that is a huge APR! is that legal to be that high?!!! [/FONT]
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the sun prepaid mastercard
Has anyone heard or have got one of these cards? (the sun prepaid mastercard) It cost £6.49 to start it up and you top it when you like, there are loads of different ways of doing it.And thousands of places to use it being a mastercard. It looks like you dont have any intrest to pay as its your money and not credit! i…
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Credit Card charges for currency conversion
I was recently incorrectly charged by a hotel in Luxemborg on my credit card. The hotel re-creditted my account, but I am left with (admittedly small) charge for the currency conversion between euros to pounds, and then back again. I queried this with my credit card company, and they basically told me that it was tough…
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Tesco Interest Free credit card 9/12 months
Hi Has any one had this problem with the Tesco Credit card? I took it out in Feb 07 and the agreement was 12ths interest free on Tesco purchases, 9 months interest free on non Tesco purchases. I have been paying the minimum amount each month by direct debit which has been reducing the non Tesco purchases element and no…
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Paying Loans And Credit Card From Credit Card
Hello All, I need some help because I do not know very much about this. I owed two loans and also I need to pay a credit card. I need to buy a car by the beginning of December and I do not have enough money. I applied for the Barclaycard ( 0% balance transfer for 14 months; 2.5 handling fee; 14.9% APR ) Is it good idea to…
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Did you credit card firm increase your rate then try and get you to take out a loan?
Hi folks The Guardian is doing a story about how some credit card providers are trying to push some people off unsecured lending and onto secured. The journalist would really like to speak to someone who had their credit card interest rate increased and a phone call soon after from the same provider suggesting they take…
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How do you get them to credit money back quicker !
Hello, I hope this is in the right spot. I wanted to get Sky broadband and phone for which they charge a £30 activation fee and which was paid using a credit card. Long story short we can't get the services in our area yet and I'm waiting for Sky to transfer the activation fee back. Now, without going to my credit card…
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Credit card issuer liability
I recently purchased 2 squash racquets on my Egg Money card. Do I have any purchase protection from Egg in this case - each racquet was £65 but the total transaction value was £130. Does the £100 limit apply to the individual items or to the transaction ?
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How to calculate credit card repayments
I was wondering if anyone can help me. I'm trying to find out what the formula is for calculating the the length of time and the total cost to pay off a credit card if I know the outstanding debt, the interest rate and assume the minimum monthly payment at 5%. I know there are lots of web calculators out there but I'm…
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creditor no longer showing on credit report but i'm still paying the debt.
I've recently obtained my credit report form experian, and have noticed that one of my creditors no longer shows, but this is the one that i still pay, albeit only £6 a month. Does anyone know if this means i should still be paying? The arrangement is fine but dragging on a bit, if they do not appear on my credit rating…
