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Student with 2 Credit Cards
I'm a midwifery student recieving an NHS bursary of £510 a month. I started this course at 23 after working and bumming around for a few years. Always wanted to be a midwife and applied even though I wasn't finacially stable. So i'm almost half way through and have coped quite well. I currently have a student overdraft…
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Help please!!!
Hi all This is my first post. I wonder if anyone has any advice for me. Years ago when I was really struggling financially, single parent, student etc, I took out a credit card with Providian (specifically targeted at the poorer, high interest rate) the limit was £250. I reached the limit and then for years I paid small…
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My First Credit Card - which one ?
Hi. I have just finished my degree in Law with Business and I am currently working in London for a Law firm. I never had to borrow money in the past and therefore I have never applied for a credit card. But now I would like to improve (start) my credit rating so that if I need to borrow in the future (like get a batter…
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Expired Goldfish points
Having received a statement of account from Goldfish, I was happy to see I had more than 14,000 points. I phone up a month after the statement date (it took a good two weeks to get to me thanks to the post) only to be told all the points have expired. No mention was made on the statement that they were about to expire, or…
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Really cool credit card calculator
Ok, so maybe you've seen it before, in which case, sorry, but I've just been trying to work out how long it will take me to pay off my cards and found this: http://www2.warwick.ac.uk/fac/sci/psych/events/creditcard. Exactly what I was looking for, hope it might help you too, enjoy :)
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Minimum payments
Until last year I could only manage to pay the minimum payment each month on my credit cards. However, things improved once I started to transfer balances and manage my money etc and I can now pay more than the minimum. On my Lloyds TSB card I pay a set £80 each month by direct debit, most of this is reducing my balance as…
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Chances of a non-instant decision getting accepted?
I applied for the Capital One balance transfer card last Thursday (this is the one offering 6 months interest free with a 0% transfer fee). They didn;t give me an on-line decision, and said they would write to me within 7 days (still waiting at the mo). Does this make it unlikely that I will get accpeted? And if I do get…
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CCJ & Getting Credit
Hi, I have a CCJ with an Administration Order attached to it. It is currently up to date, and all my creditors are being paid via the County Court. However, no matter where I apply for credit, (even the high interest cards!), I am being refused credit and therefore am finding it extremely hard to build my Credit Rating…
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Please help its all confusing to me
Is another cc with a 0% on balance transfers our best option? OH has a £2700 just under on his current cc, he stupidly took cash out on this card a few times so it paying stupid amounts of interest. Am i right in thinking the virgin cc would be a good option with the 2.98 % on bt being less than £100 still way better than…
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Ryanair Credit Card Charges
Hi i have just recently bought tickets to fly to France with Ryanair i used my card card which i have been charge 12.00 pounds for the privilege. Are Ryanair allowed to make such charges?
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cashback cards for mortgage payments
Does anyone use their Amex card for mortgage payments and is there an easy way to do this? I have a mortgage with the woolwich and they say that I can cancel my direct debit and call them every month to make a payment but it takes a while to get through. Is there an easier way?? Thanks
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Longest low-rate balance transfer cards?
I'm looking to borrow about £4000 on credit to keep the interest low, looking to pay it off over about 5 years. I've applied for the Citi one mentioned in Martin's article and been accepted but I'm still waiting for it to come, and I'd guess they wouldn't give me a credit limit anywhere near that so I might need 2/3 cards.…
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Existing customer balance transfer
We saw this on the tv show last week and got quite excited about it: http://www.moneysavingexpert.com/cards/barclaycard-offer-loophole My partner tried to do this today and was told that as he had 'no offers for a balance transfer" because he only has £15 of credit available he was refused. He said he wanted to transfer…
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Mulitple BT's
Having just moved a debt from a Barclaycard to a new 0% card, so I wait until I get a statement from BC before I think about doing a BT onto that card? (assuming I get a good deal) Even though I've cleared the card, am I right in thinking that interest is still applicable on the old debt? Also, can I put a block on the…
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Can my partner cause damage to my credit rating?
She had run some debts on her credit cards and she missed several payments. I did not knew what she was up to until I apply for a new credit card and to my surprise I was declined although I always was a gentleman with my payments. I ask for an experian credit report and I find out about her debts. She is back on track now…
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Credit card interest
Hi all, this is my first post so please be nice!!! I just wanted a bit of advice as i cleared my credit card in december and have since bought a couple of items on and have noticed that they are adding interest from the day it shows up on the statement (i can view online). I thought i had a certain amount of time before…
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Voluntary Termination on Credit Report
Hi, I have signed up to 30 days free trial for Equifax online credit report. Everything seems to be in order except about the following:- Company: T- Mobile Start Balance £0 Current Balance £0 Status: Settled Date Updated: 28/01/03 Start Date: 18/06/2000 Date Satisfied: 07/02/2002 It also shows:- Customer Account Status…
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Balance Transfer??
Hi guys, i'm slowly but surely paying off my three credit cards, problem is this month i'm a bit short as i had to get our roof repaired and didn't really budget for it. Anyway i have my large credit card (balance £4000) statement due to be paid (£140), but i don't really have the money at the moment, i will in a few weeks…
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What banks will not charge me to pay my Cap 1 bill please?
Hello everyone I need to pay my first Cap 1 bill and i wondered which banks will not charge me. I went to my bank Halifax (they said NO) and also the Northern Bank (I live in NI) said they would charge £5. Sorry to be a nuisance but I don't know the quickest way to pay the bill.... Any advice please. booklover PS. If…
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Help-looking for a pre-pay credit card.
Hi I have recently heard about pre-pay credit cards and I would like to get one for on-line transactions. Does anybody know where I can get one, how to top up, how much the card actually costs upfront and if any are better than others? I would welcome any advice and opinions. Thanks. :confused:
