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Credit Score Still Bad - After 10 Years!
I went bankrupt around 10 years ago for 20k (all unsecured debt), and have slowly rebuilt my life to the point where i am pretty much a model financial individual (hope that makes sense!). My wife and I have around 2.5k coming in each month - but we still have a rubbish credit rating even though the cc's we have and the…
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credit file boosting
Hi everyone, I'm after a quick bit of information please. is it possible to boost someones credit score by placing them on one of my credit agreements? Apparently this works inAmerica but I don't know about here thanks Neil :D
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MBNA via A&L
Have heard people have got problems with EGG withdrawing their services as considered a bad rating risk. MBNA did this to me a few months ago, without notice, did not renew my credit card - even though I pay a set amount by DD to cover and have never defaulted. When questioned several times with not much help, all I could…
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Credit Card Switching and Impact to credit score
Hello All Firstly a big thanks to everyone for sharing the wonderful and useful information thru this amazing website....!!!! I've been receiving regular tips & mails [as a mailing list subscriber]. Sometimes the tips includes offers and freebees being offered for new credit card customers. In order to avail that offer I…
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New Egg card, to transfer or not to transfer?
Sorry readers, silly question, I've been doing further 'reading', ignore me. Just feeling a bit unsure cos of egg ditching their customers. I guess if they accept my transfer and won't let me spend on it that'll be ok cos I don't want to anyways. Hmmmm, in a quandry here. I applied for an egg card through Quidco about a…
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Credit card cheques - stung with a £60 fee! - can I claim this back?
Hi, I used one of the thousands of credit card cheques that get mailed to me every month the other day to pay for a deposit on some windows. The cost was £2000 and the latest statement came through this morning with a lovely £60 credit card cheque fee added to the balance. I presume this is my fault for not reading the…
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Goldfish
Anyone had this problem? No statement this month? Call customer service they say sent out?? Is this a ploy to charge me interest etc. if I "forget" to pay? PS I always pay off in full. Thanks
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having probs signing up for the Sun/Tuxedo prepaid card
after venting off at the 'customer care' helpline, i got the all important activation code.. but does that mean my application went through? did it heck.. jus t the same 'unable to process your application' malalrkey. .AGAIN! i even got my accountant friend to check what i was typing at each stage.. grrr
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Refused new credit cards with better deals
I have around £7000 spread around 3 credit cards. I am now paying extortionate amounts of interest after 0% interest periods. I have a mortgage and a HSBC proffessional studies loan for £50000. My latest cradit score came out at 910 out of 1000 but I seem unable to get any new credit cards at 0% interest. I earn around…
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New Pay As You Go Card
I saw this advertised in the Daily Mirror yesterday (8th Feb 2008) and I thought I would share it. The Mirror actually endorced it. It's a secure payment card that you load with as much money as you want to spend, just like a pay as you go phone. Then you simply use it like any other payment card. You have all the…
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Virgin credit card
I'm annoyed with these people.I had a letter this morning telling me the interest rate is going up to 29.9%......which is a rip off. My main worry is that my balance is £5,500.I've just transfered £1000 on it at 0 % til september to pay off my homebase card .The minimum payment at 2 % of the balance so i knew i could…
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Natwest CC - BT fee charged query?
At end of Jan I rung Natwest to do 2 BT's. The lady I spoke to made no mention of any possible BT fees during the conversation, which I thought was odd, so I asked at the end what was the balance transfer fee. She replied saying there was none. Get CC statement this morning and have been charged a total of £36.34 for the 2…
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Warning, Check Your Payment Due This Month!
:mad: I have just had my Barclaycard statement through this morning and I see that payment has to be received by the 25th Feb!!!:eek: It's not even a full month since the last one I paid, which was due by the 4th Feb, but goes to Barclaycard a few days before this. Never known such a short time inbetween payments due!! My…
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Virgin unfair interest charging?
Before I give Virgin a ring, I'd like something clarified. I received my Virgin/MBNA statement today. I noticed that although I pay in full every month, they have charged me interest. Looking back through my old statements, some months I'm charged interest, others I'm not. Occasionally, (twice in the last 6 months, as an…
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Virgin...up - Citi...down
Virgin have just sent me a letter saying they're increasing my interest rate to 34.9% (from 29.9%), they are my current snowball and I'm paying £100~£400 a month off of it with no missed payments for well over a year now - strange they've stung me with that as I've been paying back a lot on it lately, not used it for…
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wheres the link for the credit card suggestion
thing- you know where you answer questions and it suggests which the best card deals you can get without having a search registered
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Saga Visa payments
We use Saga Visa CCs. We always pay in full each month, sending Saga funds online without problems out of A & L current or Halifax current a/cs. Lately we've begun spending almost a month at a time in Spain & last trip we believed that we would come home, find the statement on doormat & sort out payment online immediately…
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Saga Visa payments
We use Saga Visa CCs. We always pay in full each month, sending Saga funds online without problems out of A & L current or Halifax current a/cs. Lately we've begun spending almost a month at a time in Spain & last trip we believed that we would come home, find the statement on doormat & sort out payment online immediately…
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Credit Card Fraud, 60 day limit for claims???
Hi My sister has an A&L Credit card she only uses for mortgage payments. She noticed she didnt have enough for the payments this month and took more interest in the statement. The card had been Used in Carphone Warehouse for £250 It had also been used multiple times at Tesco (online) She called A&L as soon as she was aware…
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Bad credit rating cards
Hello All. I have a poor credit rating beacuse of my address and a few defaults on my record from about 3+ years ago. I know that Barclaycard and Capital One have good acceptance rates however I did default with both in that period so I cant apply to them. I applied to Vanquis and was rejected. I have been in a new job for…
