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How long.......
Do credit cards stay on your credit file once you have cancelled them? I have written to 4 of my credit card companys & asked that the account be closed. I have heard back from 2 of them saying that this has now been done. So my question is how long will i have to wait before they are taken off my credit file? :confused:
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Abbey to MBNA transfer?
I cleared my Abbey card (issued by MBNA) balance last year, after they put their rate upto 29.99% :eek: Now they are offering 0% till 1st Jan. '09 (3% fee). I've used some of my limit to pay off OD on current account. Can i pay off my MBNA card directly, considering they are part of same group, or should i do it through my…
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MBNA - Virgin Money Card
After receiving a letter from Virgin Money last April, I took advantage of their offer of £12,500 @ 0% (£35 fee) until February 2008 statement date. I have been paying off the minimum every month by DD (by the way they calculated the minimum payment to be only £5!!) and when the February statement arrived, I paid off the…
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Credit Card Readers
I let one room in my home out for Bed and Breakfast and make a modest income of less than £6,000 per year. Increasingly my customers want to pay by credit card. Is there a choice of ways of doing this? The terms quoted to me by Barclays Bank would be more than I can afford. With less people using cheques this is becoming a…
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credit card fraud dilemma
I had a large amount of cash withdrawn from my barclaycard mastercard fraudulently, and the bank themselves were quick to notify me of this unusual credit card behaviour as I have never in my credit history withdrawn cash from a credit card. After filling in their form to declar the fraudulent activity, they subsequently…
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Can Anyone Beat This (First Direct) Credit Card Limit Reduction?!
Hi, I received a letter this morning from First Direct saying that as a responsible lender blah, blah, blah, they were reducing, with immediate effect the credit limit on my credit card. It was being reduced to £500 from my previous limit (which I've had for over 5 years) of £22,500! Now, the truth be told, I now very…
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Credit Rating
quick question. Im curious to know, if i spend on my credit card say £1000 and pay say £500 when the bill comes, (but make the payment) does this affect my credit rating because I have not cleared the whole amount due that month?
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Barclaycard HELP ! No contact for 5 years now they want money back!
In 2003 I owed Barclaycard just over £1000. I was not in a position to pay and they froze the account. I had heard nothing for five years until today, (March 2008). I thought they had written off the debt. I can not work because of health reasons. My partner does work but is on a low income. Can they still chase me for…
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Credit Card - MoneySupermarket 'Smart Search'
Morning, My car insurance is up for renewal next month, and after shopping around I've found the cheapest policy. Usually I pay monthly, but after working out how much interest I'm paying, I've decided I'm going to try and get a 0% spend credit card. So last week, I ran a search on MoneySupermarket's 'Smart Search', and I…
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Advise needed
Is there anyone out there that can advise me, I have been paying off my Visa and Capital 1 cards for the last 5 years, The laugh is they are with Debt collectors and the interest has been stupid, My spending limit on visa was £250 yes £250 and my Capital 1 limit was £150, I still owe £590.13p on Visa and £350 on Capital 1,…
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please help !
I don't know if anyone can give me some advice but if they can it will be greatly appreciated. I have transferred balances on my credit card before and have never had any problems. I would like to transfer to a 0% card as my current one is now charging me interest of around £20 a month. I can't afford to pay more than the…
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Capital One Cashback?
Hi used 'Capital One Mastercard over Xmas getting the 3% for first 3 mths, is there any way of getting the cash back without having to wait until January? Appreciate any help Thx
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Capital One online balance transfers ??
Is any one else having trouble with capital one online balance transfers, they are taking ages to transfer to other card providers. I recently made 3 bts online which showed as approved on my cap one online statemets.........this was on 27th Feb it is now 13th March and they have still not been transfered accross to my…
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Please Help
:jMy husband and i just had our oil company of 10 years use a credit card they wer'nt authorized to use to bill us. they got this card from a second buisness (Seperate) but in same building my husband bought flowers around 5 years ago.we were on automatic delivery and as always we paid just before needing another delivery…
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Buying foreign currency with a debit card
Hi all !!! I wonder if anyone can help settle a argument. Say when visiting a foreign country can you buy local currency with a debit card. IE via a bank / currency exchange etc. NOT AT A ATM THOU !!! I have had a bad experiance with foreign ATM's thats all, and would be alot happier using a local bank or something similar…
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Is it fraud or isn't it...?
I received my Halifax CC statement last week and I have to confess I never check them but on this occasion something made me check it. I found 2 transactions totalling over £300 which I had not made. I called Halifax and they said they were made in France and my pin was NOT used. I had been to France in that month but had…
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PPI on Credit Cards - any maths experts?
Can someone less mathematically challenged please clarify this - If I have PPI on a credit card (and not as separate insurance) does this mean that the PPI element (90p per pound of outstanding balance) gets added to the total outstanding credit card balance each month and therefore attracts interest and that is rolled up…
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Post Office CC - information demanded
I applied for a PO cc as advised by Martin for use on hols in the US. They wrote back asking for ID verification (passport etc) AND address verification (utilities or rates bill etc) AND bank details (current acct statements) AND employment details (payslips etc):mad: I'm a bit reluctant to pass all this info on - what…
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help with halifax one card
hi, ive got a halifax one credit card. ive been using it for 5 months now and have always paid off my credit immediately. never missed a payment, never withdrawed cash or anything. i usually pay online before my statement even reaches me by post. recently i purchased a item on 03 MAR 08 using my card. however a few days…
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Using a credit card to pay all household bills.
Hi I've seen advertised on TV a credit card which you can use to pay all your household bills, but can't remember which one it was, does anyone know? I'm thinking of getting an offset mortgage so wanted to keep all my salary in my bank account as long as possible, and pay the credit card in full in each month. I'm not sure…
