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MBNA Credit Cards
I have an MBNA credit card and a Virgin Credit card with nearly £10k on them combined. My husband lost his job last November and hasn't worked properly since (he's a builder). I just wanted to say how good MBNA have been with us. I got in touch with them and explained the situation - convincing them that we wanted to pay…
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HBOS customer CC Deal
I ahev recently been having HBOS attempt to offer me the 1 card via my online banking and have noticed that this has changed to a different card (or cud be the same 1) but with a different offer and it stating "[FONT=Arial, Helvetica]Exclusive Credit Card designed especially for customers like you"[/FONT] Is this their way…
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Accidentally paid bill 22p short - advice needed
And now I've received an email reminder that I didn't pay the required amount. It was a stupid oversight on my part and I will be paying the remainder of the bill today or tomorrow latest. However I'm now worried sick this is going to count as a late or missed payment against me and on my credit score... we are due to…
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credit card on low income -help please
I am posting this on behalf of a friend. This is the third time I've tried posting this. My posts haven't gone through or mysteriously deleted themselves......grrr. My friend wants a credit card. She is in her mid thirties, never had a credit card or any loans, she has a debit card and bank accounts. She has shopped with…
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Pay minium payment or more?
Going to apply for another card now and intend on paying off my balance of 6k within the new interest free period. When applying should I, when filling out the application enter my monthly payment to be the minimum payment and then up it to what i actually intend on paying monthly OR enter how much i do intend on paying.…
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A & L sent me wrong letter INC credit card details ect
hi i opened my mail today and inside was a letter regarding our credit card i thought it was ours until i saw the amount then looked at address on top of letter and it was someone elses !!! so they sent me someones credit card details.. card no, name, address ect .... i dont know what to do? I shall send the letter on to…
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Best % of limit for credit limit increases
what is the best % which promotes the largest credit limit increases? i have capital one 34% interest, vanquis, aqua and flybee. 20-30%? if so do you just set up direct debit every month for the min payment then 6mths later how much should it go up? Aqua £350 limit Capital £200 Vanquis £250 Flybe £1000 How long do you…
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Refused Abby 0% card
Just been refused abbey 0% card. Like other people have mentioned on here my credit score is over 900 and pay bills etc on time every month. I have 6k i was going to transfer and pay off over the 15 month period so at the end of 15 months my balanced would be cleared. Is it worth contacting the under writers of abbey or…
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Halifax Credit Card
Hi, My partner just logged into Halifax website and it showed the following:- [FONT=Arial, Helvetica]Exclusive Credit Card designed especially for customers like you[/FONT]As a qualifying customer we are delighted to tell you about an exclusive credit card offer! We’re helping you to get even more value for your money, by…
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virgin credit card
Help please I owe just over £6,600 on a virgin (MBNA) credit card. I have been paying a nominal amount over the last 6 months. Yesterday a letter arrived informing me that they where about to issue a default notice and sell my debt onto a third party. I rang them this morning and they offered that if I was able to pay a…
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Abbey
As an estimate does anyone know, how long should it take to hear back from Abbey if you have been successful (or not)
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Advice needed Please!
Hi This is my first posting to this fantastic site. I am hoping someone out there could offer some advice. My problem is a fairly common one: Apart from my mortgage (which I have always paid on time) I have the following debts:- MBNA card £6000 outstanding approx Natwest card £6000 outstanding approx Natwest loan £14000…
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redundancy - will it affect my credit cards?
Quick question for those in the know - I'm being made redundant at some point in the near future (no details yet) and I'm wondering whether it will affect my credit cards. I have 2 cards, both are paid off in full every month and my credit history is good. 2 quick questions - do I need to inform them of my redundancy and…
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Transferring Debt
Hi everyone, Just a query really. I have a really bad credit history at the moment, but I'm slowly on the mend paying off all my debts etc. I have a barclaycard, a cap one card, an aqua card and a vanquis card. At the moment I can only afford to make the minimum payments. Due to an oversight by myself I have gone over the…
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Can I obtain credit card statements for a period of 4 years?
Hi, I need to obtain all credit card statements over a period of 4 years, to prove that some money has been paid. How / what is the best way I can go about this? Thanks, Marcus
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Aquacard phoned
I had a call today from Aquacard saying they were phoning as they are working with xxxxxx ( ok did not pay attention ) to see if they could offer me a loan to " make monthly commitments easier " lol It was a thanks but no thanks but just wondered if anyone else had a call from then?
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Late Payment to Next Directory
Can anyone please advise me!! I have an account with Next website. Another family member who lives at my address also has an account with Next. My relative made two late payments to Next, each were about 8 days late. Next has informed Experian credit scoring agency about these two late payments and they are now on his…
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Good Credit but Declined anyway!
Hi Last year after following advice from this website I successfully aquired a credit card from Virgin with a 0% balance transfer offer :j and transferred all of the debt I had on my very expensive Lloyds TSB credit card. I've happily been eating into the balance month by month but since then, I've accrued further debt on…
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Nationwide Card
I got a Nationwide debit cash card with a Visa sign on it after reading that it was the cheapest card if you want to use ATM's abroad to withdraw cash. Today I received a leaflet saying that Visa charges a fee for each transaction when you make transactions in certain currencies which Nationwide pays. From 1 June this is…
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Obtaining a Credit Card as a student
Hi there, I currently have two student current accounts, and with these I received a student credit card. I also have another student credit card with Egg. Each card is £500. Now it seems that i'm just forever paying off interest with my minimum payments so I spoke to my dad about it and he suggested going for the Virgin…
