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Topman Card
I was in Topman a few days ago to purchase a few items of clothing and i was offered 10% discount if i signed up for a Topman Card. I didn't realise that i was actually signing up for a store credit card until the day after when i did a bit of research. I'm now a little bit concerned about it as i've never had a credit…
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Virgin 16 month deal
Hi fellow "thrifters" . This is my first post so be kind (o: I've taken the general advice from these forums (thanks) and moved all my high interest credit cards balances to the Virgin 16 month 0% deal. All went well with the credit cards, but I was hoping for an option to move some of my current account overdraft to the…
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Help understanding credit card interest
Hi, I've had credit cards for a number of years and I've always paid the balance in full. Recently I've had a Barclay card with 0% interest for a promotional period. The balance last month (which was the final month at 0%) was £1700.89, I made a full payment of 1700.89 before it was due. This month I have received a…
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Over credit limit - any advice?
I've just been going through my Halifax credit card statements and realised that I have been very stupid. Essentially I have been charged interest since August on a very large balance and not realised that this was happening. To explain things, I went over my credit limit in August. It was my mistake completely and as soon…
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good credit rating and cant get credit,so what other things do lenders look at
Hubby2b just cannot get credit anywhere to bt a cc balance whose interest rate has jumped to a magnificently high rate of 34.9%. We have both checked our credit reports for equifax and the other one too,cant remember its name right now.My rating is good and his is very high upo in the good range in one and low excellent on…
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mbna credit card appeal
hi peeps, just looking for an address for mbna to appeal against a decline wouldn't mind if they gave something on there site :confused: any help would be great
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Additional card holder
Hi, I have an American express Platinum money back card. I often leave my card back at home or give it to my mother to borrow. If I was to apply for another card or rather to add another card holder to my account, say my brother, would he also receive statements, or would he simply get a card in the post subject to him…
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Where do I stand?
Hello all, I recieved a phone call last Sep about a potential offer for a BT. The offer was from mint. I took them up on there offer over the phone and I thought all was sorted. I then recieved a letter saying that I had missed the first payment and was charged for this matter. I phoned them and explained that I had not…
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IF Good HSBC Not so
Thought I would share my experience today in case anyone else could benefit. Got a balance increase from IF. Phoned them to ask about balance transfers, was told there were no offers currently but the customer retention department may help. Spoke to them, they gave me a balance transfer, no fee, life of balance at 5.9%…
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How maxed out should you be on a 0% purchase card?
Hi, my question's as above. I have a Halifax One Card - so just wonder how maxed out I should allow it to go to? I have 2 other credit cards, both used only once or twice a month and then paid off in full. Once the Halifax One Card gets to the 'max-out level' I will start using one of the other credit card for day-to-day…
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Am I covered in the U.S?
If I buy something over £100 from the U.S. with my Mastercard and it either doesn't arrive or I have any problems, am I covered for recompense here in the UK? Thanks
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interest rates on cards is this right?
My virgin card says: standard monthly rates balance transfers 2.529% My cap one card says : annual interest rates standard purchase 11.23% I have capacity to move my cap 1 balance to the virgin card which i will pay off over the next 12 months is this the way to go?
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Cashplus Card Problem Help Needed ASAP
Hi all, I order one of the cashplus top up credit cards, got my letter to take to the post office to pay the Card Issue Fee of £9.95 and First Months Subscription fee of £4.95 which I paid on 19th December 09 and was told I would recieve my card within 7-10 days but with the christmas holidays i expected it to arrive a…
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Credit Rating Query
I foolishly forgot about a credit card I set up and failed to set up a direct debit for the minimum payment. I did not pay one months minumum payment and this has obviously shown on credit rating. My questions are; - Will this have a major impact on my applications for mortgages? I have no other blips on my credit rating…
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Changing payment from minimum to full balance
I've come to the end of my stoozing period (1 Feb) and want to pay the balance off by the end of the month. I've already paid off 4K since my last statement. My direct debit for the minimum payment is due out 30th Jan. As I want to pay it off completely I want to change the DD from minimum to full balance. But my OH…
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Credit card fraud
£550 was taken from my Visa account to pay an account through Western Union On Line. Visa says as it was verified it was me that did it. I didn't verify any account except through Paypal. How can I get my money back off Visa?
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Can't get a Credit Card... why?
Hi, I have been reading to many threads here and lots of advices, but still can not imagine why I dont get a Credit Card. Ok, I am German, but I am staying here in Scotland for almost 5 years. I havent had any late payments, have my monthly income of roughly £1150, from the first day I have been over. My credit rating has…
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VISA credit card blocked
I have just found my VISA card was blocked. Does anyone have the same trouble as me? When I phoned to my bank, they told me, it was done by VISA company for security reasons.
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Turned down on 'affordability'
I recently applied for a MBNA card to take advantage of a long term 0% deal but was turned down based on 'affordability'. The application was designed to BT all other expensive credit to it which would have meant a reduction in my outgoings-I stated this on my application. Thanks for any advice Ferry
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Transfering balance???
i have two cc and adding up to about £900 im currently trying to pay them off but the interest means its doesnt seem like im making a dent in it. i was reading about virgin cc at 16 months 0% my credit rating aint great i only earn about 6k a year if that ... if i cant get this is there any other you could suggest thank…
