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Unused credit cards
I thought I read somewhere that one should never cancel unused credit cards, and I have a few that I have not used for years. Should I cancel them or not?
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Irresponsible Lending and Settlements
Hi All I'm new so apologies if this has been asked/answered before - or if I've posted in the wrong section. I have lots of debt issues at the moment - but this is a particular one I'm really not clear on. To back up a little - I have just received an offer (which expires at the end of the week) for a 50% reduction on one…
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A little help re credit file details.
Ok the main reason for my interest in sorting this out is that I want to apply for a Mortgage in approximately 5 months time (once my new jobs probationary period ends). I moved into a new build house (rented) last November, at the time of moving in the estate agent confirmed the address and provided a tenancy agreement…
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Prepaid question
If I paid for something online with a Cash Plus card, so I still get the same protection (eg refunds) as with a normal credit card?
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Virgin 0% BT deal ends... they up my rate to 25.7% (instead of standard 15%)!
Hey guys, I took out a 0% deal 15 or 16 months ago, direct debit payment, so all was going well. Then the month before my 0% rate ends, they send a letter saying there is to be a change of rates. Balance Transfers from my following statement will be charged at 2.1413% per month. I knew the rate was going to revert to…
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About loading a credit card with cash beyond the credit limit: charges? T&Cs?
Let's say the credit card total credit limit is £200. One wants to buy a return flight for £1000. In order to be able to pay with the said credit card, it would take paying £800 to the credit card account in advance of purchasing the £1000 return flight. 1. Have you ever done that? 2. Does your credit card provider charge…
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Arrangement to pay
I have been on an arrangement to pay for an Abbey credit card and a Barclay card for a few years, after running them up in my late teens then losing my job. I have been paying the agreed amounts each month and have not defaulted once since I have been on the plans. My credit rating is VERY poor and I have no hope of…
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I got declined by Barclaycard Intital! Why?
I applied for a card from barclaycard about 2 weeks ago online, it was declined there are and then so i left it, i expected because I failed scorng! I then got a letter in the post on saturday saying that I got declined because of something on my credit file? :confused: !!!!!!????????? I have no defaults, no CCJ's, no…
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Late payment fee during promotion?
Im on a 16 month Interest free promotion with Virgin. Last month my payment was a few days late,so I got a late payment fee of £12 plus £60 in interest charges(as opposed to nil). I think i can accept this for the oneand only month I paid late,but will this mean paying interest for remainder of my promo period?
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Are Halifax still offer 12 month interest free on purchases?
I can't see it on the website but is it still available in the branch? Obviously can't check today! lol
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Moving money to avoid cc charges?
Hi all, I have a Barclays account with a set overdraft available and a debit card for it. Barclaycard recently offered me a no strings platinum credit card (which I thought was a joke because I'm on benefits and have been for a long time) so I applied anyway and actually got it. So I used it for a couple of small things…
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Prepay Mastercard- Can I use it for car hire abroad?
Because of my partners unsatisfied IVA ( it will be satisfied very soon) I don't think I can get a credit card as we have a joint mortgage and a joint loan which both predate the IVA and 2 joint current accounts. I am therefore financially associated. We are going away on a holiday in July (my parents paid for our flights…
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possible poor credit rating
Hi all, I desperately want an abbey zero credit card for my holiday in New York this summer, but I'm frightened of applying because i think my credit rating is probably very poor. Bad points: My experian credit report says I'm not on the electoral roll for my current address (although I've been sent voting cards in my name…
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Is a CC the best way?
Hi, I have recently been considering getting a credit card to pay off lump sums of Direct Debits, catalogue payments and also my gas and electric bills and council tax. Total adds to approximately £1000 if that. What I want to do is consolodate it all (pay it all off by CC or other) then just have one monthly payment…
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New to credit cards
Hi Everyone As i am very new to credit cards (never had one before) i was hoping some of you can give me the low down on how to work the 'system' so i don't have to pay interest. I ma planning to buy a new car and have some money saved up and plan to pay the rest out right and get as best a deal as possible from the…
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catalogue accounts
wondering if anyone knew how easy it is to get an account with a catalogue company? are they as strict as credit card lenders? cheers
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Best available credit to income ratio
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Charges for using credit card
Can anyone explain to me why companies can charge for taking credit card payments? I have just paid a holiday deposit and been charged 2.25% because I paid with credit card, but I thought companies couldn't charge different prices for cash and credit card payments, surely this is the same thing:confused:
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Can I cancel a payment made for services that weren't really received?
HI... I'll try not to make this too long. I have long blonde hair which over the last year I have paid to have highlighted every six weeks. Anyway, recently I've been insanely busy and a bit strapped for cash and tried to dye it myself instead of going to a salon. Big mistake. It ended up looking like someone dumped a can…
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Visa Debit Card Chargeback Scheme not same as Credit Card?!
I paid for an online service via paypal. The service was not delivered so I started a paypal dispute. Found out they don't cover virtual goods and services so I made a chargeback claim... I paid directly from my visa debit card not using the PayPal balance thing. Now my bank (Halifax) is telling they can't do anything.…
