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Refusals missing on credit file
I have requested my £2 credit file from both equifax and experian, as I was turned down for credit a few times right after I moved house 6 months ago, and wanted to make sure everything was ok before I try again. I have just received my Equifax one, and some things are missing from it; Have had a HSBC Mastercard for 6…
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Barclays credit card which was to give £50 bonus
Hi, Some time ago there was a link for Barclays credit card - as far as I remember if you opened an account with them you'd be getting a voucher for £50. I have done it, used my card, got a statement and no sign of a voucher or any info. Has it happened to anyone? Were there any hidden conditions? Thanks a lot.
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REMINDER! end December is nigh - Any outstanding promo Balance Transfers expiring?
I am an old hand at exploiting promotional balance transfers, but every year at this time of year I find myself chasing my tail a bit to avoid incurring EXHORBITANT interest rates because so many BT promo rates expire in December. In particular, it is very easy to forget those companies who have lulled you into…
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reducing debt by balance transfer any help?
Hi, I dont know much about credit cards and balance transfers, I have had a look through the forum and would like somebody to check if this is right- :confused: If one card had a balance on in of say 2k, and I get another credit card with a 0% intrerest on Balance transfers for a year on it,with £1000 limit, I can do a…
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Barclaycard - closing accounts and your credit report
I had a Barclaycard until about 14 months ago. The balance was paid off in full and I asked for the account to be closed. I received a letter saying the account was closed and my balance and limit are now both £0 Now, I can see on my credit report they are still updating the details as of last month, and the account is…
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Hike in Egg Card Interest Rate
Hi Is it just me, or has anyone else had a hike in their egg card interest rate? Now maybe I'm just a bit nieve / stupid, and thought the credit crunch would not directly impact me, however my egg card rate has just been moved from 10.9% to a whopping 19.9% - an increase of well over 80%!!?!?!?!?!?!?!?! I normally pay off…
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Help With My Credit Score - Declines
Hello everyone!! Wonder if you can help. Im looking for a good balance transfer card as my previous deal ends next month. Applied for a one today but got declined. I checked my credit score and its coming up with a score of 436 with Equifax which it classes as good. The fact I'm not classed as being in the electoral role…
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Problems with MINT electronic statements
Anyone else had a problem with electronic statements from MINT? I didn't get one for November. By the time I'd realised, I logged on to check and found I'd missed the payment date by a day. Phoned them and had a pretty unsympathetic experience, so closed the account.
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How long to wait before applying?
I've just applied for a Mint card because I needed to BT about £3000. I've been accepted but unfortunately they've only given me a £1000 credit limit and won't consider increasing it until I've had the card for about 3 months (by which time I probably won't be able to BT to them at a promotional rate). I've used this to…
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Barclaycard
It seems that I have finally found a fault with the amazing overseas call centres :rotfl: ;-) There is now a new string to add to their bow. Not being able to understand you and cancelling your card without you knowing about it!!!! I rang Barclays at the end of last month with a general account enquiry. The next day I went…
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Just been offered 2% cashback by Barclaycard
Hi...just rang up Barclaycard to close my CC a/c with them, as I now have a Captial one 4% cashback cc. Got put through to the 'oh please don't close your account' dept, asking me why I was closing my CC a/c with Barclaycard etc, told them why. Well Barclaycard told me that they would offer me 2% cashback through December…
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SonyCard Pulsebeats - which MP3 player with the £250 spend?
I was wondering which MP3 player Martin Lewis was talking about in the weekly email and main page, when he mentioned you could get it with the bonus points and £250 spend on the credit card within 90 days. They all seem like they need lots of points. Thanks
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Why no good visa cards
I currently have 3 cards in my wallet. My Amex CC which I use as my main card and also use for business A Virgin CC An Egg CC I always pay off balances in full at the end of each month and have a good credit rating. So I am currently revising my card holding as neither Virgin or Egg are particulally competative or offer my…
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Capital 1 - 3 months or 2.5?
My 3 month bonus period is ending rather short. Capital one start it from when they open the account, which in my case was at least 12 days before I received the card, activated it, and made my first purchase. So, IMO, they are not honouring the terms of the offer. At the time I had big bill coming up so I was very annoyed…
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Credit searches, numbers of cards...
Hi there. I have a couple of quick questions. I have three credit cards: Capital One Mastercard (coming to end of 4%), Egg Money and Barclaycard Platinum. I applied for and got them in in the last 4 months or so. I had a Barclaycard prior to that which I've had for 11 years, but cancelled about 3 months ago. I always pay…
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Barclaycard platinum....
At the beginning of November 07,i applied for and received a Barclaycard,on which i had a credit limit of £3328. After spending £1502.60 on it by 28 November,Barclaycard wrote a letter to me saying that they had reduced my credit to 1300£.They altered this limit after i had spent 1502£.When my statement came,they said i…
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£41 for taking out Goldfish card
Just to let you know that quidco are paying out £41 if you sign up for a Goldfish card. I recently bagged £35 for opening up an Egg card account which I used for a very short period then closed down once the quidco bonus had been paid out. I intend to do the same thing with this card. Here is the link:…
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lost 0% rate due to late payments...
hi all, my first 2 payments were late on a Virgin card and it looks like the standard interest rate is now been charged. i know its my fault, had set up a DD but to late it looks like given that the cash took 4 days to get from one account to the other - lesson learnt. my question is have i got a chance of getting the 0%…
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Always getting rejected for credit
Hi, I wanted to get one of the recommended stoozing cards but I was reject instantly. Ever since I started using credit when I went to uni I've found it almost impossible to get approved, and I really can't see why. I'm 24, never missed any payments, earn a nice wage, have no debts (other than student loan), and always pay…
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Natwest Card Confusion
I was hoping that someone could explain to me why the following was happening with my Natwest card as it is confusing me a little. On October 15th I went £1.60 over my limit, on October 18th my interest gets taken and also an over limit fee of £12 was added which I accepted as it was my own fault why I went over limit. I…
