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How long?
When lenders search your CRAs, do they take the whole 12 months credit searches into account or is it true that they only take notice of searches made in the last 3 months or the last 6 months? Thanks
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Warning if you have an Ulster Bank Credit Card!
I took out the Ulster Bank credit card as seen on the MSE site for 0% for 6 months for a balance transfer. That was fine, problem is now I have been accepted for a Barclay card at 0% for 14 months (great!), but when trying to transfer the balance they have turned me down because the card issuer isn't on their system. Other…
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Amex say they can't help
Posting again as I can't find original. I made and cancelled a hotel reservation for a stay at the beginning of August. I had the confirmation and cancellation emails since May/June 2008. Only recently deleted them as I was clearing out old emails. So I was quite surprised to see an entry for a stay at the hotel I had…
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0% balance transfer
I have a Virgin Credit card and would like to apply for another card to balance transfer the amount as well as some of my current account overdraft. Is there any other card apart from MNBA that allows this? As i tried to apply for this and got turned down, i dont know why as I have never missed a payment etc Many thanks…
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Pay off or not?
Have a capitalone credit card, the basic one with the "lovely" NOT interest. balance of hmmm £407? now...this month I should have £600 left after bills as i am getting a bonus. I need about £600 to go skiing with obviously wasn't going to save £600 this month. my question.. should I pay off my credit card to save interest…
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which card to pay extra off ?
This has probably been asked before so appologies if so I have got my credit report from experian and as you can see from my signature i owe quite a bit on the cards I am classed as average by experian and one of the reasons is that i owe so much on the cards I pay extra off all 3 cards (not much - £50 off the beneficial,…
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Credit Limit reduction to below my current balance - any help?
Has anyone else experienced this lately? I came back from holiday a couple of weeks ago to find a letter from Skycard (Barclays) informing me they had reduced my credit limit by over £5,000 to an amount which was below my actual outstanding balance. Another letter, dated the same day, demanding the difference or I would be…
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NatWest Credit Card
Sorry if this subject has already been covered. I have attempted to search the forum but could not find the info i am looking for. I currently have 2 NatWest credit card accounts with £400 and £1200 credit limits. Several months ago i went slightly over my credit limit on the £400 card and incurred the usual £12 overlimit…
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Amex Platinum - what qualifies for cashback
Got the Amex Platinum cashback and have to pay a work credit card bill next week which is quite big (also AMEX). I doubt it but, does anyone know if I pay my works Amex card bill off with my cashback card does this qualify for the 5% cashback? I suspect it's just for purchases made directly but hust wanted to check.
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Question: How to handle my credit card debt while a full time student.
Hi first time poster. I am a full time student on a 1 year course due to complete in june 09, I am fully self financed and am keeping to my budget (thanks MSE). A hangover from my previous life in full time work is about £2000 on a HSBC credit card at 0% till end of feb 09. Now I could pay this off with my cash but it…
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Flybe card minimum payment
How much is the monthly minimum payent of the Flybe card? Can't seem to find it in the T&Cs... thanks in advance...
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Section 75 claim - advice please
Hi there just found out that MFI have gone into administration leaving my kitchen half finished. The remaining bits were due for delivery on 5th Dec. There is an outside chance (very poor odds !) that I will get the remainder of the order. Luckily I paid the deposit on a credit card. Not entirely sure what I can claim for.…
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Credit card
Hi all Last December I took out a balance transfer card 0% for 12 months. In june, without realising until this week, i was 2 days late with a payment.... Without me knowing it, that cancelled my 0% interest. I only realised when I payed the balance off in full a week or so ago. Being 2 days late has cost me over £500 in…
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mint card cancellation problems? any one had any problems
just wondering, has any one experienced problems cancelling credit cards, i contacted mint to ask them to cancel my card on friday 7th november in the morning, and asked they cancelled card, they transfered me through to another dept and they asked why, told them my reasons and they said fine they would do it straight away…
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Whetton
I am thinking of booking a hotel in Egypt by credit card, using an Egyptian travel agent whom I have successfully used before on many occasions. I have been doing this for years with no problems but I am not sure how the financial crisis is affecting Egypt. If the agency goes bust will I be refunded by Mastercard?
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How long for a debit card refund
I purchased some boots for my daughter at a local shop for £38.00 but the zip broke and I had to take them back. They had no more boots in stock so had to give me a refund. The sales assistant asked for my card and when she handed me the receipt I noticed that she had charged me again for them and not given me a refund.…
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increasing limit with vanquis
has anyone got experience of what vanquis are like with increasing card limits? i've got a card with them with a 250 limit at present. i was hoping to be able to pay off a loan with my credit card as the interest rate on it is better, but i aint going to be able to do that on 250quid!!
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pay off catalogue with CC then pay CC with debit card?
I have a catalogue account which i pay off every time i use it, and have recently gained a credit card too. Would it be better on ym credit rating and credit card limit if i paid the catalogue with my credit card everytime i use it, then pay off my CC immediately with my debit card? or is there no point in all this and i…
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credit cards for abroad
Im going to america soon and just wondering which credit card would be best to use, so i dont get charged and also still have 0% on spending
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Barclaycard credit card
Hi My old Morgan Stanley card recently changed over to barclaycard cashback account. I dont use the card to spend as I have a fixed rate on a balance transfer that I am gradually paying off. Last month they made an error and my minimum payment amount was double what it usually is, plus I had a £12 charge for missing a…
