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i want to apply
well guys if you read my other posts im trying to go a year with no replys and wait for all debt to be marked satisfied which should be soon however i know if i apply for anything right now i will be refused but it doesnt stop me really wanting to apply for a credit card etc right now does anyone know of a way to stop…
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Lower limit...better score???
i have a Virgin credit card with the limit being £2000, however my balance is £1700, will lowering my limit improve my credit score at all?
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Double Bubble: Cashback Card/Cashback Site??
Just a quick question. I am earning 0.5% cashback on a CapitalOne card after the intro rate expired. So I am thinking of getting a new card but want to try and get another cashback card and also want to get Cashback off a site too. I don't earn enough for AMEX (last time I checked it was £20K and over PA. Failing that a…
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Asda credit card/fuel discount
I went to fill up at Asda tonight as they are the cheapest around and there was a notice posted that said that they could not accept the Azda credit card due to technical dificulties. The Asda I use is at Thurmaston in Leicestershire. I wondered if the technical dificulties were widespread or localised and would Asda be…
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Goldfish credit limit increase...
Hi, I have a Goldfish CC with an original credit limit of £ 500. I have had the card for about 3 months, and paid the balance off in full twice already. Does anybody know when I would be eligable for a credit limit increase? Does this happen automatically, or do I need to phone up for this? Also any thoughts on how much…
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Credit Score Question
I'm cross posting this. Posted it on the 'Anything Else' board but had no response, maybe here is more apt? Thanks in advnce :) Hello! Sorry if this in the wrong place, I did have a good scour round the site to see if could find an answer first and then tried to find the right board - I'm pre-coffee though! I've just…
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Cash Withdrawl On A Credit Card
Hi, I took £250 from my credit card from a cash machine this afternoon I understand there is a 3% charge for doing so but what about the interest do i pay interest on the £250 I rung up and they said they would send me a settlement figure out Im a bit confused really be great if anyone could explain it to me Thanks
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Mint Phone Charges
I recently received a letter from Mint telling me that my clever new mint card was waiting for me, but before I could receive my new card (to replace my existing card about to expire) I had to call them on 0870 410 0870. Having called other credit card lines to register cards before I thought nothing of it and made several…
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suite card bbva
I received a letter and email today from BBVA who run a credit card - The Suite Card. Important customer notice - cancellation of your Suite Card with effect from 1 July 2008. The letter goes on to say I can use it up to 1 July and spend points earned up to 5 Dec 08. My husband has also received this letter. Are we being…
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cashback question, how do you get cash back
hi, thinking of getting a cashback credit card and paying the balance off in full each month. my question is how do they pay you cash back? does it get paid into my bank account? or does it stay as a credit on the card, then get deducted off the final balance owing each month? can you recomend any good ones at all ? cheers
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Bad credit credit cards?
Hi I actually don't have bad credit, everything debt-ish has been paid off. However, I struggle to get my Experian credit report to register that I'm on the Electoral roll at my current address - even Experian can't explain it! I've been turned down for a Capital One credit card, and one at my bank - despite being…
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Can't get card for stoozing!
I've recently applied for the Egg Card and the Virgin Card for stoozing and was unsuccessful in getting them which I was a bit surprised at. I've only ever taken out one loan in the past for £3000 to be paid back in 2 years and I paid it in just 1 so I thought that this would have increased my credit score. I also have a…
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Sneaky HSBC charges
I've had a Mastercard with HSBC for years and have always used it to delay paying for shopping etc but paid off my balance in full each month to avoid interest charges. However, I noticed on my most recent statement a small charge for 'interest on purchases'. I presume this is a new money-making device on HSBC's part, and…
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best card for spending in the USA
hello all off to the States in july for family holiday want to get a card thats best on purchases but wont sting me ( well not too much) if i spend in the states on it i have a Tesco one now only got £450 on it only and have tried asking them for some 0% on purchases -- but they wont play ball.. so really want to pay it…
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How do CC companies know I'm not lying when I state my income?
Hello all, After having a Barclaycard Initial Visa to start me off when I moved to this country (APR 27.9%) I finally applied for a "proper" credit card and was shocked when I found that the limit on my new card was sooo much higher than on my Barclaycard. I earn average money, but I was thinking to myself, I filled in my…
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Best way to pay back immature credit card debt
Hey, as I am starting I shall set the scene. Imagine a 18 year old, with a credit card, that spends all the money and when it comes to repaying has a lot of problems, doesn’t pay all the time by missing payments and paying late, and now has a sum left to pay and is on the minimum payment plan per month. Well that was me, 5…
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Tarting
Hi, With regard to the companies that offer 0% balance transfers (0% fee) for six months, do different lenders tend to offer deals every six months? It's just that the same lender is not likely to accept a customer for two consecutive six month deals. Given that there are not many companies offering these deals, it would…
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creditcard reclaiming. - Old postal addresses
This question is probably on here a thousand times, But I can't seem to find the answers. I have two old creditcard accounts (closed), both with old addresses on them. I've printed off the template letters with my new address but are the banks likely to send replies to my old address? :confused:
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Virgin credit card interest rates - help please!
Hello I'm wondering if anyone can give me some advice - I've had a Virgin credit card for about 4 years, it started out as a 0% interest for 12 months one, but then jumped up to 16.5% after that - which was fine, as they'd forewarned me of this. However, about a year ago they put the interest up to 21.4% and it's now…
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Citibank 4.9% LOB card - what sort of credit limit did you get
Hi all, Need to transfer a balance to a LOB card and having read MArtin's article i like the idea of the Citibank ITunes 4.9% LOB. Just wondered what sort of credit limit you were given??
