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Credit ratings....
I have always had an excellent credit record, have never missed a payment on anything ever, but I have a lot of credit in my name - credit cards loans etc... I have tried to apply for more credit cards to get a better interest rate and have been refused about 5 times... Is my credit rating really damaged now? When do the…
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Applied for x2 MBNA cards - a mistake?
I applied earlier for a Virgin card and an MBNA platinum card. Just realised that they are both MBNA family cards, will this harm my application? I would be happy if just one application was successful, but wonder if I've now harmed my chances. Would appreciate fellow users' thoughts.
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Balance transfer security query
Hi all, I've just made a balance transfer from my Egg card to my Lloyds TSB Duo card. However, something occurred to me after I'd put the phone down. The representative from Lloyds TSB asked me for the expiry date and 3-digit security code on the Egg card. I didn't think about this at the time but I'm sure in the past that…
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Capital One - Late Statement
Hi guys, I did not receive my December statement from Capital One. When I received my January statement I noticed that I was charged a late payment fee. I rang Captial One and they agreed to waive the late payment fee and have since refunded it. I have now noticed that they have charged me the purchase interest on…
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Halifax withdrawing 0% promotion
Hi there, I missed a payment by a couple of days on my Halifax 0% interest credit card. I managed to get the late charge removed over the phone, but the bank is withdrawing the 0% interest promotion. I checked and they said nobody has the power to reverse this, including a manager. Is it worth me going into a branch to…
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Credit Card Claims
Hiya Guys....i am new and very confused!!!! I have read so many websites and forums - including threads in this forum and its left me very mixed up...so i apologise if this is a repeat or i am being thick but i'm confused as to what i can claim back from my credit card.. can i claim back the interest they've charged me? or…
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MBNA credit card
I have an MBNA credit card and this month my interest rate has gone up enormously. I can afford to pay the minimum payments still but I'm just so angry at the increase. I've been with MBNA for a while and have always paid at least the minimum payment on time. I phoned MBNA to see if they could reduce the interest rate at…
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Have credit cards, can't balance transfer
Hi out there, I've got this problem whereby the credit cards which I have, amounting to about £10k, is manageable by paying the minimum payments, but the balance transfer promotions have run out and I can't get a loan or a low rate balance transfer to reduce my costs. The best solution for me would be to consolidate to one…
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Permission for them to check my credit file ??
Hi, I had a cc on stop because i missed a min payment and I went over the credit limit which then triggered a debt recovery letter. I telephoned them to say "work was very quiet at moment and could they bare with me for a month or two. I made the payment on the over limit within 14 days and the missed payment was cleared…
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Problem With Capital One/debitas
Hello! Hoping for some advice My partner has got himself into some debt and i have been trying to help him out. He owed Capital One money and now they have transferred him to Debitas. When he called Debitas in late November to ask what he would owe them if he paif off the account they said £255.18 if paid by a certain…
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Credit card - Credit rating
Hi all, I have a seriously poor credit rating, although I have been keeping on top of bills and payments for some months now. I was thinking about getting a card to help bring my rating up a little. What should I do?? Tink82
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Capital one changing rate??
Hi there I have been with Capital one since 2005 and I signed up at a rate of 5.9% for life. I got a letter this morning saying bacause of the current climate they are raising my interest rate to 9.9%! I have a balance transfer on there that I am paying off and the optioins they have given me are: 1) Pay at 9.9% 2) Pay the…
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Newbie and Card Sentinel help please
Hi There, Long time lurker and keen follower of some of the threads on here. About time i posted something so here goes My partner took out Card Sentinel cover when she got her Cap One card some three years ago. Three years on, we chose not to renew, did not return the paperwork to say that we wanted cover. It is insurance…
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Should I pay for a new boiler with my credit card?
Hi, My boiler has finally packed up and I need to get it replaced. I live in central London and unfortunately no-one I know has any good recommendations, so I have used rated people(.com) to get 3 quotes. What is the safest way to pay them so that I have some sort of insurance if they are cowboys, (or Indians). Would my…
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Cards with no interest-free period, eg Lloyds advance?!
I have just got a LloytdsTSB Advance card. I just wanted a standard credit card that I pay off at the end of the month in full. Read the terms, seemed fine, application went through. Reading the small print very carefully today (yes, should have done this beforehand, but I have to say it wasn't clear on the website) I…
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Question re. claiming refund on a CC
Hi ... wonder if anyone can help ... I bought over £1800 worth of goods from EmpireDirect on 10th Jan which should have been delivered the following week. There's been no delivery and as you know they've now gone into administration. I called the Credit Card company on the day the news broke and they said I must wait 30…
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Using an ASDA Credit Card
I went into an ASDA Living store and purchased a pair of curtains. I was going to use a credit card giving me 1% cash back, but an announcement came over the store's Tannoy system advising customers that if they used their ASDA credit card they would get a 5% discount on their purchases. I, obviously, changed my mind and…
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no-man's land
Help, I'm in a credit card no-man's land! I'm doing a full-time PhD and receive a scholarship but this is not considered a 'wage' by the credit card people. I've never had a card before but think I should now to try and improve my 'credit-rating' for the future. I tried my bank but they said no, even the PostOffice said…
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First credit card!
I am a full time student, I applied for a credit card last night (a Vanquis card) because I have no money for the next 2 months due to family situations so I can pay it off in full after this 2 months. But to be honest I wasn;t expecting to get it. Once I had applied I got a message saying 'We cannot confirm your…
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Goldfish/Barclaycard Refund problems
Hi Found out 2 months ago that some "Mistakes" on our Goldfish/Bcard had led to our account going from £79 to £18,600 in the red....!!! They called them mistakes but in the ensuing calls a couple of call centre staff used the Fraud word. They have agreed to the "mistakes" (which also led to debt collectors letters) and…
