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Post Office CC - increasing limit
Applied for and received PO credit card but with a £1000 limit. Has anyone any experience of increasing their limit. I have tried the call centre (Eire based) who say no one can increase but it may be done automatically when reviewed after 6 months.......I don't like the expression "no-one":mad: as someone always can. Any…
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Best way to clear overdraft
Could somebody tell me the cheapest way to clear my overdraft. Im £2000 overdrawn (have been for past three years) and get charged about £20 a month interest and want to clear it with about £3000. I have no credit cards and have a good credit rating. Should i get a credit card or a loan if so which card. I can afford…
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Paying off a loan using a credit card
Hi Just a quick question, if I used a credit card to pay off a loan early would it count as a purchase or a balance transfer?
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What to do with cleared off credit cards?
We have 3 credit cards that all had our debt split onto. We have now cleared those off and now wondered what we should do with them? The other half said we should keep them as it looks better on our credit report if we have credit but not using it? Whats the best thing to do? Thanks
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Building credit history in the UK - problem with cards
I moved here last summer and now I want to build up a good credit history in the UK, so I thought getting a credit card was a good idea. I don't need it for credit, as thankfully I have a good income and savings, and I really wouldn't need it for internet shopping, etc, either, because I have already a credit card with my…
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everything finanical
hi i took out a loan in 2006 for £500 after they took out insurance i was left with £375.i was paying £40pm over 12 months,however as this was the only credit available and i needed money for a house repair i contacted them again.last march the rep came to my house and we filled in the paperwork reguarding a second…
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credit card understanding?
I have a credit card which has a balance of £3500 on it and the 0% on purchases is going to run out soon. to be honest its the first card i have and dont really understand how credit cards work? at the moment im paying £21.00 intrest a month on cash @ 1.671% + the 3% which is around £85.00, the card has an APR of 15.9%.…
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Interest rate help!
I am wanting to pay our house insurance on a credit card (Bank of Scotland One) which is no longer in the 0% introductory rate. It is now 15.9% APR. I am wanting to use this card to pay via Quidco and get £120 cashback but want to pay it off when cashback received in 3-4 months. The card has an interest free period of 59…
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Status when applying for cards (might be a stupid question)
Hi there I know this may seem a really stupid question (not unusual for me!!) but my boyfriend moved in with me in November and when he tried applying for a 0% credit card it got turned down. I know some of that is due to him recently changing address but there's also the question of his living status. The mortgage is in…
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Capital One
hello readers, just a quick post to say how pleased I am with capital one, last year I applied for a classic visa and was accepted, I was unfortunate to be a victim of ID theft and it has took me a very long time too sort but now I am back on track thanks to capital one, they were the only company to give me a credit card…
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New to this, advice MOST welcome!
After spending an afternoon filling in the sites budget planner me and the wife have come to some conclusions and want to put some plans into action. I owe £4500 on my credit card and she owes £2400 on one and £1700 on a second (she had 2x0% cards as the first wouldn't giver herenough to cover all her debt) What we want to…
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Flybe
Anyone know how to claim free flights from Flybe, after getting one of their credit cards? For the life of me I can't see it on their website. And anyone had any luck getting a free flight? Arundel
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Capital One Classic
Hi I am posting on behalf of my partner. He has no CJJs etc. but he has had problems with student debt in the past and his credit profile 'needs improvement'. His salary is £30 k + and he has been in the same job for 7 years, same house for over three and same bank for over 4. With this in mind he took Martin's advice and…
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Cash payments to a CC which reduce the DD
Which credit cards reduce, or cancel, a min. payment Direct Debit if i go to a bank and make a cash payment using their payment slip? Lloyds TSB definetly does. Definetly not Co-Op & Marbles Unsure about these cards i hold: Abbey (MBNA) MBNA Barclaycard Citi First Direct Mint Capital One This could do with a sticky (as if…
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Citi Platinum 3% cashback
I have a Citi Platinum card, and received the usual letter through offering a balance transfer deal with cheques that normally goes into the shredder. However, this time there is also a cashback offer if you do the transfer, which I had not seen before. If I do a £500+ balance transfer this month, I get 3% cashback on all…
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Why can't I get a credit card?
Hello all This has been a bit of a problem for me for a couple of years now - when the whole 0% balance transfer theory came about I transerred balances a couple of times. I've generally got a good credit rating with no defaulted payment ever, and one late payment in the last three years... I've checked my credit file and…
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Transfer out and back in??
I have two cards (Virgin & Cap One) both now on full interest from this month.. The Virgin card will allow me to Bal Transfer at 0% for a year. Can I transfer the balance from Virgin -> Capital One (Lumping full debt into one) Then a day later transfer the lot from Capital One -> Virgin at 0%??
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HSBC 0% promotional rate on purchases - "new old card"
Hi I applied for HSBC credit card being attracted by their 0% promotional rate for purchases. The application was approved and I received my card ...and, a couple of days later, a letter saying that this special rate did not apply to my account :( I had an HSBC credit card before, but closed it in August 2007 as did not…
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Barclaycard asking for payment after 7 Year gap
I was recently contacted by Barclaycard asking why i haven't made a payment in some time, now i have been paying off my barclayloan and account through cabot financial and i thought i was paying for the barclaycard as well but it turns out I'm not. The last payment i made to the account was in june 2001, the balance was…
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Nationwide have lost my file
I tried to add an additional card holder onto my Nationwide CC A/c. This was done before, without a hitch. However, this time I have been asked to fill out a new application form for my details because they have lost my original documents when I first opened the account and cannot conirm my signature. I assume my previous…
