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Best card for strengthening credit file?
I'm planning applying for a credit card to use for normal purchases, pay off in full each month, in order to boost my credit file so I am able to get a better cashback credit card in due course. At the moment according to the 'smartsearch' on moneysupermarket my credit rating 'needs improvement'; I moved house & bank…
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Capital One Cashback paid early?
I had my capital one cash back (3% from first 3 months, and 1% thereon after) credited to my account on 18th Dec. In the T's and C's, it says it would be credited 'some time in January'. I was hoping to do all my xmas and sale shopping, earning my cashback on it, getting it in Jan, then closing the account (don't actually…
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Cannot log on my Abbey account.
I am trying to log on to my Abbey credit card online account for days now, it always results in an Error Processing Request in English or Spanish. Is it only me or has anyone else has the same problem? Ok, it's Christmas and it might create difficulties here and there, but I can log on on any of my Non Abbey online…
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Pay minimum payt with another credit card
I am sure the answer will be somewhere, but there are so many threads I cant find it!! Basically I took out an MBNA card with 3% BT fee and 12mths 0%. I have taken £7600 as a cash advance which is in my stooze pot. Will they accept the regular payments from my egg money card? In other words, can I make 1% on the…
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MBNA Platinum Plus Card
Hi, I'm looking at applying for one of these cards. I have M&S &more card due to expire at the end of January and thought of moving the balance of £2,600 (ish) onto the MBNA card and following the advice in here http://www.credit-card-comparison-online.co.uk/articles/mbna-make-money-stoozing.html. My question, if I get…
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Dont ask MBNA for help!
I recently asked MBNA if there was any way that they could help my financial situation. They responded by putting up my interest rate from 17.9% t0 23.7%. I'm desperate now to put that debt onto a cheaper card. Is it normal for a credit card company to do this? I'm sick of being stung. 2008 has got to be the year that I…
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Keep or close down unused CC's?
Merry Christmas to you all. I normally use 2 CC (1 * cashback and other infrequently used), I have 3 store cards and 1 stooze card (exp Feb) and I have a few other cc's which I don't use. All the cc's / sc get paid in full every month and I will pay off the stooze card in Feb and probably close this one down. I will…
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Help with Citibank
Apologies for posting on Christmas Day .. but this has got me sooooo annoyed! Here is the story. I have a Citibank Visa card which I do not use and has had a £0 balance for some time. On my October statement I was suddenly faced with a balance owing of over £5,000! It turns out someone had fraudulently presented one of…
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Why you should regularly check your statements
Last night while tootling about on t'internet, I decided to update my Quicken (I use Quicken for all my banking, accounts, investments etc.) and I went onto the Post Office credit card site to update the transactions I'd done. The Post Office card is the one I use when I go on holidays only because they do not charge for…
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Leave debt on credit card or use overdraft
Hi folks, i'm wondering if you can help me at all. I'm having abit of a cash shortfall this month & won't be able to pay my credit card bill off in full. Am i best only paying the minimum amount on my card at 18.9% APR or paying it off in full using my overdraft which is also 18.9% APR. I'm a little confused as i think i…
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Unable to withdraw funds in Canada
Hi, I am currently in Canada and can not withdraw funds from either my credit card account or current account (Lloyds TSB). Other members of my family also had the same problem earlier in the year. All the accounts are in credit and i have tried several different machines. I have Canadian relatives that also have a lloyds…
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question on old card security
As part of my gearing up for even more hard money saving, and also by way of decluttering financially for 2008, I have closed down three credit card accounts this afternoon. However, I am left with many statements, which although now competely out of date with the cards being cancelled and destroyed, I am concerned as to…
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Paying over the counter.
Cant remember the last time i paid a credit card bill over the counter in cash im thinking it should be credited to your account straight away but not sure. My bill is due 01/01/08 so to avoid a late payment-and there are 3 bank holidays in the meantime-im thinking i'd better pay first thing on Thursday morning. Does…
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Credit Score Question
I have a question regarding my credit score and I wondered if anybody on the board is able to help. My current score is 893. In the next couple of months, I am interested in getting a credit card for stoozing (one of the £5000 credit limit ones mentioned in a recent MSE email), a 0% interest credit card to buy a laptop…
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Advice Re: House of Fraser Card
Hello everyone, I'm planning on doing some major shopping in HoF on boxing day and would like to take advantage of 10% off when opening a credit card with them. To make the best of the offer, I'd pay off the balance at the first statement. What I'm acutely concerned of though, is being rejected. (OMG, can you imagine, at…
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Why do you enter a salary, if they don't check it?
Is it to work out a limit for the credit card?
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Capital One 4 % - Can both myself and hubby have one?
I have the card and my hubby is a supplementary cardholder on my account. As the three months is up on 21st Jan. Was thinking about hubby applying for the card and having me as a supplementary cardholder. Can any of you see any problems with this? One more question, is there a salary limit for this card? Thanks
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Barclaycard Platinum Shocker
Hi, I applied for a Barclaycard Platinum online and was accepted. The card and PIN arrived last week but I didn't activate them. I got home of Friday night to find a nasty letter from them saying they've cancelled the credit agreement. Had an awful time with customer services but to cut along story short only managed to…
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Payment Protection ?
Just a general question about Payment protection. If I did not have the above and something bad happened to me (died) would my wife have to pay the outstanding balance on my credit card which is in my name only ( 1 card )? I am a healthy 61 yr old but you never know, I wouldn't want to leave her with having to pay out a…
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11,000 Card Debt. 0% v Personal Loan
Dear all, Small dilemma here. I have a debt for just over 10k on one Credit Card. I want to start seriously hacking away at this amount and I am aware that there are essentially two routes available. 1) Swap balance over to another card with 0% interest. 2) Take out a personal loan. Given that a card swap would need to…
