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Increased limit Vs Credit score
Hi all. My credit card co has just increased my limit from £8k to £9k. My balance is around £3k. I dont want or need this but obviously their "kindness" knows no bounds :rolleyes:. My questions are: 1) How does this kind of thing affect one's credit score when applying for cards in the future? (I'm thinking specifically…
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Credit Card Protection Advice Needed
Quick piece of advice needed please if anyone knows the answer. I am about to get some UPVC roofline products and was due to pay by cash today. I don't have a credit card and have never had one so don't really know anything about them. Would it be beneficial for me to ask my Dad to pay on his credit card and then just give…
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oops may have paid twice?!?
I think I may have paid my amex bill twice with my debit card-I went to do it yesterday, but had issues with the verified by visa thingy (WHY do I have to have uppercase in my password-I always forget it :( ) so then I wasnt sure if I had paid it, and it wasnt showing on my online banking or my amex so I just paid it…
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Blown my 0% Deal
I transferred my £1500 balance over to the Virgin cc for 16 months 0% interest but unfortunately I missed my first payment and the direct debit I set up did not catch it in time. So now I am no longer on 0%, I'm not sure what rate I have got but the estimated interest for next month is £17+ I'm guessing I'll have to…
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Which Creditcard is Best for me?
Hi, First post here, hopefully first of many. Anyways I have a question. I was wondering what the best creditcard for me to get would be (which I'd be accepted for!). I'm a 1st year law student (18 y.o), currently living in halls. I make money on the side on the internet - something called affiliate marketing. Spending…
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Rejection - Appeal
I applied for a CC and was rejected. In the rejection letter it states I'm welcome to appeal directly to the company against the decision basically by providing further details or updates regarding my credit report. Is this worth doing? I'm going to give it a shot regardless as I have very good grounds for it. My major…
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Marbles-Aviemore-Bank of Scotland question
I just got a letter about my Marbles card. My account will be transferred to Aviemore on 22nd February 2009 and my new card provider will be Bank of Scotland. If I do nothing, my old account will be closed and I will have to destroy the card. If I want a new card send to me, with new account, pin and the rest, I have to…
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Why is my credit card interest twice what it should be?
Ok so after a tough year throwing everything at my mortgage I finally got it cleared this month, joy! Anyway, I decided I'd treat myself to something I'd always fancied, a gurt big plasma TV on the wall. So basically I thought well I'll wait till I get paid at the end of January, and I'll just buy one. And then I thought,…
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credit card early repayment
hi do you get a reduced balance if you pay of your credit card balance in full.example you have 2000 pound balance and pay interest each month if you clear the balance would it be less than £2000.only asking because i know someone who got a call from there company and they offered them £500 discount if they cleared the…
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Capital One PPI Reclaiming
Hi There, I decided to have a go at trying to reclaim missold PPI from Capital One on behalf of my mum having had success with Halifax on my own card. So i popped the standard letter 1st to them saying that it was missold and got a reply back today where they say the following: "We sold the PPI to you when you requested it…
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Pay at Pump Petrol Stations
Hi there, Not sure if this is the correct place to post this, but couldnt see anywhere else. I went to the Petrol Station earlier today and pulled in to use the Pay at Pump at Asda. Now I stuck my natwest debit card in and entered my pin and then it said you can fill upto 70 pounds. Now I knew I didnt have 70 pound in my…
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Virgin 0% Balance Transfer
Hi There I phoned up rbs Many Thanks
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Abbey Zero -- current T&Cs?
After a complicated and slow application process in the summer, I finally investigating activating my Abbey Zero card today. I know that they've introduced a £10 dormancy fee, but apart from that, I have no idea what the current terms and conditions are. Can anyone tell me where to find them online? Does the card still…
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Egg Card - What can l do ?
I have an Egg Card, and have done for about 5 years now. In May 2008 i claimed back over £700.00 of charges from them successfully. My Egg Card is the only debt l have (apart from a mortgage) and knew l may need it one day .... like now. However l have been online today and found l cannot login. When l called Egg they have…
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Credit Card lost or stolen – help please
I wonder if anyone can help? Has anyone been in this situation before? I am new to this forum and I just join to see if I can get any advice I had my 2 credit cards lost or stolen and it has been fraudulently used for a large amount of money, (I mean thousands of pounds). One card was AMEX and one was Abbey I think because…
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Capital one > Debitas, what can i do?
I lost my job a few months back and was relying on my credit card. I soon got close to the limit of £500 when i finally got a job, but it was only on part time (you all know how hard it is to get a job these days?) I earn around £150 a week, with and immediate £430 (car, insurance,rent) coming out each month. Then i have…
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Verified by visa not all it's cracked up to be.
I recently had fraudulent use on my credit card after I had used the Cotton Traders' site!!. Looking back at my records I see that I had signed up to that Verified by visa thingy before the fraud. I thought the entire point of that was to stop fraud, but my card was still used fraudulently.
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Customer sends bailiff to Capital One HQ
This amused me, well done Jacqueline Reynolds, you're not an MSE member are you? http://news.bbc.co.uk/1/hi/england/nottinghamshire/7789256.stm
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Paying balance on AMEX card
HI, this is probably a daft question, but I wanted to put an expensive repair on my AMEX card to earn some casback. As you can pay the balance off on-line, can I use my Virgin cc which is currently 0% on purchases or balance tranfers? would this count as a purchase or balance transfer and if its a balance tranfer I assume…
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TESCO Balance Tfr Fee is a Purchase?
I have just taken advantage of the TESCO Credit Card balance transfer offer for 14 months. I was charged the 2.9% fee as stated in Martins CC article on best balance transfers. I have just received my first statement and it shows the balance transfer fee as a purhcase! Purchases are only 0% interest free for 6 months on…
