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Big cut in credit limit
Hi. I have a Skycard credit card that did have an £7k limit, but which has been cut to £1700. I have rarely used the card in the past year and had a zero balance, but before that it was closer to the limit on 0% deals. I used it recently to write a credit card check and received a letter 2 weeks later saying the limit was…
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Will taking advantage of a 0% on new purchases deal harm my credit rating ???
Hello everyone... :beer: I'm thinking of changing to an offset mortgage deal and to make the most of it I would need to leave my cash in my account for as long as possible. This is where the CC comes in. I believe Marks and Spencer currently have a deal whereby you get 10 months at 0% on new purchases. My idea was to…
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Original Card Agreement null and void?
Not sure about this but would like to hear other people's views. The wording below is not by my hand, but it sure is interesting. This I found here:- tpuc.org then click forum then click Help and Advice then click help and advice on clearing creditcard debt. Mr Twinkle Toes c/o somewhere over The Rainbow United Kingdom PLC…
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Need another credit card, but worried of rejection
hello, This is my second time on the forum and people were so helpful the last time, so thanks for that. I want to (or rather have to) apply for another credit card as I'm going on holiday and need one to hire a car. My own bank would not allow my to renew the credit card with them (i'd paid off the £700 that was on it…
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Can't afford the rent
I can't go into the rent office and pay with a credit card so what is the best option out of a) paying cash from credit card b) paying with a credit card cheque. Please help :confused:
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BT credit card offer says..0% 12 months on
cash transferred to your current account. how does this work? thanks in advance.
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HSBC refusing refund
Hi Can anyone tell me if HSBC are within their rights to refuse a refund for fraudulent use of my card. I had 2 instances of use, 1 of which they agreed to, the other they haven't. It was for £52 for an online booking at a restaurant. They said that"The email address and password are set up in agreement with the retailer"…
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What should I do with credit card accounts that I don't use anymore?
Hi guys, hope you can help. As many of you here, I've opened a handful of credit card accounts over the years to make use of their 0% balance transfers..etc.. A lot of the accounts are old and are now just sitting there with a debt of £100-£200 that I pay a few quid towards every month. Just wondering, is it worth just…
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What should I do with credit card accounts that I don't use anymore?
Hi guys, hope you can help. As many of you here, I've opened a handful of credit card accounts over the years to make use of their 0% balance transfers..etc.. A lot of the accounts are old and are now just sitting there with a debt of £100-£200 that I pay a few quid towards every month. Just wondering, is it worth just…
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Going over your credit card limit charges
I recently took my card to Australia for emergency use only...and had to use it for an emergency. I assumed that once I reached my credit card limit (of £5,000) I would no longer be able to use it. Unfortunately this didnt happen, so I thought that I was still within the £5,000 and kept on using it. When I got back home I…
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Cards for using abroad
Now that Nationwide are charging for using their card abroad,can anyone recommend any other cards that don,t Thanks
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Been Charged Interest but Late Payment Was Not My Fault
When I was changing banks, Nationwide CC direct debit wasn't taken by them (apparently I did not give enough notice, I sent the dd transfer form back the day after my DD was last taken), they refunded the payment fees but I have just been charged £10 interest. Can I ask them for this back? I just tried to phone but they do…
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Number of Credit Cards
Does it matter how many credit cards you have. Currently, I have 4, but only use the one, but I have seen another one that I could benefit from. Is your credit rating affected by the number of applications, how many credits cards you have, how many you cancel etc? Was was thinking of closing 2 of them down and re-applying…
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Halifax Cashback CC
Hi all, Just looking for any "reviews" of the new halifax cashback credit card. Mine should be coming in around a week - so any thoughts would be greatly appreciated... I chose it since i do a lot of mileage so can pretty much get 1% back on my petrol purchases which would add up to a small sum :o Thanks in advance:o
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Think credit card companys scam people
I have a hsbc credit card with a 29% apr it has a £4000 limit and have spent £1600 on it, Everytime I go to apply for a new card with free balance transfer to try save money they search my credit history and then come back and say sorry we cant offer you this card "the great deal they offer everyone" but they can offer me…
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WARNING - Card Fraud BASINGSTOKE.
A BANK and credit card cloning scam has been carried out on unsuspecting customers of a Basingstoke petrol station. Customers at Somerfield, in Grove Road, fell victim to the scam after a till chip-and-pin machine was tampered with to record their bank or credit card account details. Article click here. Tips: If you used…
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Sub-Prime Credit Card - Which do you prefer?
Which one, out of the main 4 sub-prime credit cards, do you prefer and why. They are Aqua, Capital One, Vanquis and Monument. I have Aqua and Vanquis and prefer Aqua, due to the online access, phone service and overall look of the card, plus its a mastercard.
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Paying Credit card
HI Can someone please advise, my credit card is 27.9 % and my partners is 11 %. My credit history has been wrecked since going on maternity so can not open a lower rate one. I pay more than my miniumum payment every month. My question is can he pay my credit card off with his. He has a zero balance, if so how can we do it.…
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Reclaim credit card debt
Hi has anyone out there heard of( secure claims management ) they just cold called me saying they can get my credit cards payed off,because they might have been missold to me ,they say it costs £595.00 but they want you to put that fee on another card and then claim that back as well,all sounds a bit dodgey to me ?
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New to credit
Hello everyone, I have never had a credit card before. Does anyone know where I might be able to read some kind of 'beginners' guide to getting credit? The different types, what to watch out for, where to start etc?
