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Balance Transfers for a newbie
Hi, I have an overdraft on my old student account that has recently changed to a graduate account and is charging me a fortune in interest. I am currently paying off small amounts each month to try and reduce it and have calculated that with that current rate of pay off, I could pay it off within about 13 months. Can I…
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credit limits
I am really annoyed with my cc company,I applied and got a cc from lpf about a year ago and was given £1560 credit limit.(I got the card so that I could get a credit rating)I used the card for the first time 2months ago spending just £18.99 and paid this off before I got a statement.A month ago I spent £49 99 and again…
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Equifax free trial
Hi all, Just signed up for the equifax 30 day fre trial and recieved message " Please call us as we need to confirm some details with you " Has anyone else had this before and also once I have spoken to them will I have to wait for a passcode?
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which credit agency to Barclaycard use?
I've just rung Barclaycard to discuss my Platinum CC (the only one I hold with them), and when I typed in my card number it told me the balance of my Platinum CC was x available balance is x, and the balance on my Gold CC was 0 available £2500. Now this Gold CC account was closed in Feb 2006, the Platinum was only open in…
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Frequency of Applications
Hi All I would like to take out a loan to pay off my overdraft, but also do a balance transfer on my credit card. Also, some of the other options recommended here look worth investigating. I understand that I shouldn't make too many applications at once, and that they should be spaced out - but how far should I space them…
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Mint - discrepancy over balance transfers
Hi, Short story is that I used to use my credit cards in a very un-moneysaving fashion, high interest rates, minimum payments only, cash from the hole in the wall, you name it I did it. But last summer (June 07ish) I sorted them all out, transfering balances to low Life Of Balance rates, and not using my credit cards for…
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PayPal Top Up Card
Hi, I applied for a PayPal Top Up card earlier on & it went through ok. However, I'm left thinking I've made a big boo boo :cool: I already have a Visa Electron card so was really looking for a Visa card, as some places don't accept Electron online (Tesco, etc). Can anybody confirm that this is in fact a Visa Electron…
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Declined CC from Aqua
Hi Guys, I have another similar thread open however I have been declined by Aqua and wondered if I can dispute or should just try another lender? My Experian score is 590........ Many Thanks
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Help please - store cards
Did the most stupid thing possible when I came back from travelling and opened up a store card. The money has built up to a significant (!) amount due to me being careless/stupid. Doubt I will be able to do a balance transfer on a 0% interest credit card because I have a couple of recent outstanding bank charges, which…
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Credit Cards - Can I negotiate a lower rate?
I owe money on several cards and so far have always made the minimum payments on time. With interest rates going up I am finding it increasingly difficult to meet the payments. I don't want/need to use the cards anymore and just want to get them paid off. Will they negotiate on a lower interest rate to ensure they get all…
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Are second cardholder purchases protected under CCA?
I am second cardholder on my Husband's credit card. We want to make a large purchase & were going to put it on the credit card so we will be protected under the Consumer Credit Act . However, my Husband is under the impression that only goods purchased by the Cardholder's card are covered under the act & not those…
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Visa Electron
anyone know how to get one
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Fraud when abroad
Hi everyone, i was wondereing if anyone else has been affected by their credit card being used fraudulently when they were on holiday. Over the past 3 years this has happened to me twice - the day after i flew out of the UK on hols, my credit card started to be used fraudulently - in the UK! I've been racking my brains,…
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Experian credit score PLEASE HELP!
Hi All, I am brand new to credit and wonder if you could help. I earn over 30k but have no credit apart from my bank account ( Plus account with cheque guarntee and overdraft ) I am trying to get a Credit card to start to build up a rating. My score is marked as POOR and is 590 currently. Would it be easier to get approved…
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MBNA/Virgin
If you have a virgin credit card and the 0% is running out-can you take advantage of another 0% card withMBNA-or can I use another credit card that I have to pay off the balance and then take advantage of an offer they called me about-they asked if I wanted to tfr a balance and it would be interest free for another…
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£3 taken from my credit card today
I've had £3 taken from my credit card today , i purchased a pair of shoes at £11.25 off amazon and i also registered at speedauction.tv , one of them has taken £3.00 off my credit card as i checked it online and its saying £14.25 pending , has amazon charged me £3 extra or has speedauction.tv charged me a registration fee…
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Can Bank Take This Money??
Hello, my friend had an overdraft on his bank card then shortly after went into prison for 18 months. He wasn't able to pay due to his situation or have help in contacting bank to tell them of situation and the debt with charges ran to about £7000 over time.The debt was eventually passed onto a debt collectors. A couple of…
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credit file update
:hello: hello i wonder if anyone can help, I have had a look at my credit file and there is a credit card on there which i have not paid for 8 years, i thought that you could get items removed if they have been there 6 years or more if you can could someone please tell me how you do this thanks joannerb.
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cashback with Cap One - how paid??
OK it's the weekend and I'm probably asleep as I can't find this info.... Can anyone tell me how Cap One pay the interest on a cashback card in January? Does it get put on the card to use as credit available or do they send it to you? many thanks.
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Goldfish transfer to barclaycard d/d warning
Hi I've had a goldfish card for years and each month they take out the minimum payment via direct debit and then I pay the difference between the direct debit and the total amount outstanding so that it is paid off in full each month. Goldfish transferred to barclaycard 25/10 and I've just found out today that if you send…
