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advice re capital 1
i had some defaults with cap 1 wen i was in uni about 3 years ago however paid the balance off in full. i then reclaimed bank charges off them. i havent had a statement from then in 3 years until now. the account number is the same as the account from 3 years ago. shows the credit limit of £200 and the current balance…
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Credit Card needed for travelling. Have savings but no Job. HELP!
Hello, Please could someone help me! I have decided to go travelling for 2 months due to being made redundant recently. I will need a credit card as alot places and operators dont take my maestro debit card. However, although I have savings and the only debt I have is my student loan, I am really struggling to be accepted…
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Additional card holder imrpove creidt rating
Hello, I have a high credit rating and have done for many years thanks to credit cards. However my partner does not as she has been at uni so not had chance to build up any credit withouting being in debt. If i put her on my CC as an aditional card holder would this improve her rating? Thanks in advance
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Cash Purchase/Car Purchase
Hello everyone, Please can I have some advice. New to credit cards and think I have been caught out. I am on a virgin card. 0% balance transfers till July 2010 and 0% card purchases yntul September 2009. I thought I was being really careful, paying on time etc.. but turns out I am now being charged interest on a balance…
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Loan to pay off credit cards??? Good Idea?
Hi there Im sure this has been asked many times but, im in a dilema. I currently have 3 Credit Cards and a Loan * Nationwide CC - Balance £1275.82 - 30 per month * Virgin CC - Balance £450 - 25 per month * Mint CC - Balance £7887 - 200 per month * Cahoot Loan - Balance £2146 (10 months remaining) - 244 per month Total for…
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Not working but have capital ?
I quite fancy replacing one of my current cc's with the Tesco one. I buy all my petrol there and quite a lot of groceries so the double loyalty card points on wine etc. scheme quite appeals. I'm not currently employed but have quite a bit of capital. Since there's nowhere on the application form that asks about savings /…
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Paying off a credit card while abroad
I am looking into the Nationwide Classic Credit Card because of the good international rates, but as I will be abroad for around 4 months, how can I pay it off without building up interest? Do they have a system where I can automatically pay off the debt on the card just before the interest free periods end? It's just…
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First Credit Card - help required
Hi there, Apologies first off if it's the done thing to read each thread before posting a new one. I'm limited for time unfortunately so hoping a few people may be able to offer me a quick helping hand. As the title suggests, i'm trying to go about acquirying my first credit card. I've read various reports on this site…
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Credit Limit Reduced!!!
I have a Barclaycard Simplicity account and have just received a letter which told me my credit limit has been reduced! It was reduced by a massive £3750 to just £99 above my balance amount almost with immediate effect!! This was because they are "looking out for me"! I have a credit score of 924 and have one default on a…
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Can my husband transfer my debt to his?
Firstly, big appologies if this has already been asked 1000 times (I have been searching the forums for a simular post). To cut a long story short, I want to know if I (well we!) can transfer a balance from a credit card in my name by using a credit card cheque in my husbands name (he has a promotion on his barclaycard at…
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Lloyds Tsb-No CCA
Hi there, I sent Lloyds a CCA Request ( under s.77/78) with the £1.00 fee on the 27/04/09, which Lloyds received and signed for on the 28/04/09. And heard nothing. I then sent a Account in Dispute letter on 19/05/09, which Lloyds received and signed for on the 20/05/09 Then on the 22/05/09 (date on default 20/05/09) Lloyds…
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Vanquis Card??
Aplied for a vanquis card a few months ago but did not get accepted online just said they would contact me, a few days later they called while i was at work on house numner and mobile maybe 3 times per day! I got annoyed in the end as felt a bit harrased sp took none of the calls(stupid)! after 3 weeks i got a letter…
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best amex for young person due to emigrate...
firstly, Hello all, thank you in advance for the advice, I signed up to the email a couple of years ago and regularly search the forums for advice but have never needed to post before. i'm due to emigrate, have a green card and re-entry permit sorted. i want to apply for an amex card as in theory i can then, hopefully,…
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American Express Platinum credit Card
guys any one obtained one of these bad boys recently, how hard is to get one ? what ar the limits like? what sort of checks do they do? any feedback appreciated. :confused:
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quick question on interest?
hi guys ive got nearly £18000 in cc debt,however i cant transfer any of it to an interest free card so am getting nailed in interest,im trying to pay more off but its just gutting when you pay so much than they take half of it for interest,now can i and has anybody ever phoned the cc company and had a chat about maybe…
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Credit card advice...
Hi all, I would like to get a credit card to make a one off purchase, costing roughly £2,500. I saw that tesco have a credit card with 0% on purchases for 12 months, i was hoping i could pay it off in a year. Do you see any disadvantages to this card? As this will be my first credit card, so im abit worried. Thanks in…
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Advice please
Hi, Im after some advice regarding balance transfers. I currently have a balance of 1200 on virgin,which id previously transferred from alliance and Leicester,as my 0% period was up,when i went to do the balance transfer,i was told i couldent as both were owned my mbna,but i could have a cash transfer into my bank,which i…
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Best way to reduce credit card debt ?
Hi my first post - so i hope someone can help please :-) I have 5 credit cards with total debt of some £22000. :-( I have missed payments on several of them over the last 6 months - though all now up to date - but credit rating effected as i was refused a credit card application recently. (trying for a 0% card to transfer…
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How to transfer Dubai cc debt to UK cc debt
My girlfriend lives in Dubai and has a £10k credit card debt with Visa (Dubai). She wants to come home to the UK but cant leave without clearing her debts. She cannot obtain credit in the UK whilst not a UK resident. The interest on the card is currently extortionate. There is noboby in the UK who can get the loan here and…
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Credit Card Bill
hi, say i get my credit bill, and then I get a refund for some items for that billing period, does the credit go towards my balance on that bill? thanks
