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Percent credit used vs total credit available
After doing a lot of juggling earlier on this year- shifting joint and personal overdrafts to a couple of new interest free credit BT cards, getting another 0% BT card to transfer existing credit card balances, and a free overdraft with A&L to pay off a loan, along with a new 5 year fixed mortgage and opening three Halifax…
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Proving salary
Hi, I am currently researching the best deals for a new credit card and am confused as to how I will be able to prove my income. Currently I bank solely with Halifax who have given me a £1500 overdraft and a credit card (High interest rate). I'm a student and have an online business which currently guarantees 1.5k coming…
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Post Office Credit Card - Activation??
Hi I just received my first ever credit card, the Post Office Credit Card. What I'm wondering is do I have to activate it, there is no mention of it on the letter with the card. Also any fellow users of this card, how long does it take for the 6 digit pin to come for the online side of things. Thanks
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American Express Red
Hey all, Hope you are well. I'm thinking of applying for an American Express Red Card. Already got A E card through Lloyds TSB (Airmiles duo). Anyone got any comments. Easy to get or not? Good service etc????? Looking on their website I meet all their criteria. Any feedback would be appreciated. Cheers x x ;)
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halifax cc increase
i have a basic halifax credit card. i was just wondering if anyone has had a credit limit increase and how long it took?? i actually had my credit limit reduced by them but i want it to be increased again so how long will i have to wait, if i pay balance off in full each month.
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I give up
So I get refused for a virgin credit card today. Now my credit record is pretty good - (3 cards under a grand, 1 small loan) no missed payments, earn 26k, no CCJs, no searches in 6 months. I phoned up Virgin and asked the reasons as to why ? They said they would love to offer me a card but they cannot because they only…
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Graduate seeks 1st Credit Card - Which One??
Hi everyone, I've just left University and want to get a credit card so that I can build up a credit rating as I will be looking to find a place of my own in the next 18 months or so. I'm planning to put up to £100 a month on it for the next 2 months in basic things like fuel etc. In October I am moving to Berlin for 6…
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What are Capital One up to?
Today I tried to use my Capital One Mastercard to buy some travel insurance (only £20) and the insurance website reported "DO NOT HONOR". I contacted Cap1 and although at first they said "No problem", when pushed they agreed that they had refused the transaction and transfered me to someone who queried the only three…
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using a credit card to pay off overdraft?
hi all is it possible to use a credit card balance transfer to pay off a planned overdraft? i pay £35 in account fees and intrest on my overdraft and becuse of a 10% cut in salary i'm finding it hard to drastically reduce this overdraft would it be of any advantage to me? what are my other options?
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0% Purchases and Balance Transfers-Can I purhcase and then transfer?
Hi, I am looking into getting a new credit card with Virgin with 0% on balance transfers and purchases. I know the golden rule is not to purchase on the card but would it be possible to make a few purchases, clear that debt with a payment and then transfer the money? That way the money will be paid of and not build…
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Interest charge has gone up but APR is the same.
Hi was wondering if anyone can help. I currently have an Egg card with an APR of 21.9% and a balance of £710.68. For this month I got charged interest of over £20 which I thought was incredibly high, so I looked back at my previous statements and last year on a balance of over £900 I only got charged £11 interest. Can…
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Eeek! My first credit card.
I have just applied for my first ever credit card. It is a Tesco one and the reason being is that I work there and tend to do my shopping over the course of a week which means I have lots of small transactions on our bank statements. My idea is that all Tesco purchases (including petrol) will be done on the Tesco credit…
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Direct debit set up but not paid
Dear all, sorry for making a new thread, but I am just so confused... set up the Lloyds air miles duo last month, and the first thing I did was set up a direct debit to pay off the full amount (hve a letter confirming this 22nd june) but now i log on, and i am being charged for late payments and interest. i called lloyds…
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Minimum Payment
If you pay only the minimum payment towards a credit card statement, it will be reported to the credit reference agencies as being the minimum payment. Does this have any negative impact on your credit file? I have never paid only just the minimum payment but have noticed there is a column on the credit report stating…
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Barclays Initial
Has anyone every applied to Barlcays Initial, if so how long does it take for them to let you know. I applied last Monday but have received nothing and they still have not done a credit check. Is it likely that I will get the card trying to repair credit rating.
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Fast 4 net incorrect billing
Has anyone else had a closed account with the internet provider Fast 4 Net reactivated and payments taken (on a daily basis for what would be a monthly subscription fee) from credit cards? I closed my account over a year ago and have been very surprised this month to receive receipt emails for credit card payments (which…
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Arrears notice on credit card and credit rating
I have a Barclaycard I haven't used for years, although I had not cancelled it (in case of emergency). A transaction from paypal went through on it that I did not know about - usually paypal takes money from my current account so not sure why this happened, although it is linked to paypal. The card was in my maiden name…
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Natwest CC - Vanished from Online Banking
Just logged onto my Online Banking as normal (everyday) and for some reason my Natwest Credit Card has disappeared from it! I tried to go through the "Add Credit Card" route too and it said it couldn't recognise the details of the card! Can anyone with a NW CC check their online banking to see if they can see their card…
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Take MBNA offer before limit reduction?
I have an MBNA card with a £19K limit which has been unused for about a year. A life-of-balance offer of 6.9% is currently showing, with 3% fee for CC, 4% for money transfers. A friend of mine has a theory that MBNA are "trawling" accounts at the moment and to avoid accusations of irresponsible lending are reducing unused…
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capital one - why are they so sloppy!! haha
I have an account with these. They passed it to debitas and I rang them and was told it was passsed back to cap1 so I rang them as I wanted to query a possible settlement figure. They said I defaulted in december 2008. I complain as I wanted to know why I wasnt aware of the defaulting on the arrangement and why it was…
