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help in clearing credit card please
I have come into some money which will clear off a credit card . But I would like to offer a smaller amount to clear it off completley . its not a lot , 860 quid , but its been bumped up by a few late payment fees . what figure would you suggest and is it possible ? its with sainsburys bank . thanks
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pre paid card help
my fiance has tried to get a fairfx prepaid card for our honeymoon in 2 weeks but it said we couldnt have one because our details are already registered on another card. we have never had a card before so i dont really understand this. i was thinking of getting one from thomas cook or the post office instead but someone…
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Any advice?
Went to local off-license, paid with debit card. later looked at receipt: The long number of the bank card is shown same as expiry date, my surname and some letters ICC. Is it legal to show that information on the receipt?
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Help! Ref: Barclaycard
:o I'm just after a little help really, i've used the search function but i'm getting a little lost in all of the jargon! My story is this, i currently owe around £4k on my Barclaycard, and due to the fact i've been in and out of work, my family also have suffered job loss of late, my cash just isn't stretching :( My…
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hi all any help appreciated
ok where do i start i was made redundant a few years back, i had a credit card with a balance of £5000 limit was £6000 i was paying it no problems up untill i was made redundant then i went from a good wage down to£54 a week i have a mortgage wife kids etc i had less coming in than was going out so the credit card when way…
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Using overdrafts to improve credit score
Hi all, I am currently looking to improve my credit score and I was wondering whether I can use a couple of old current accounts which I rarely use in order to do so. These accounts are rarely used and not overdrawn so currently on credit reports they appear as lots of Ns (N – Facility not used). Would it look better on my…
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Advise Required!
A friend of mine had a credit card limit of £9000. He went through a bad stage in his life and did the internet gambling. His card issuer allowed his card limit to go over upto £16,000, on the gambling website, as he was withdrawing money from it. Are they allowed to do this? Thanks in advance.
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increase in apr
Hi, would just like yur advice on something if that's ok?! I have a halifax credit card. Half the balance is a balance transfer at 7.8% life of balance, the other half is at 21%. i received a letter from them, advising me that my apr will increase to 27% as of october statement. They inform me that i have 2 options: 1.…
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Citi Card and their broken phone Payment system
Hi All, Those of you that have a Citi Credit Card (e.g. Shell Mastercard from Citi) may be aware that Citi Card's phone payment system has been down for about 3 weeks now. Citi are using this to their advantage and are attempting to charge their customers with late charges and interest charges, even though it is because of…
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Should i believe them?
I've had an Egg Card for about 6 years. I was paying the standard 16.9% APR, although I have a reltively small balance on the card. I was going to get rid of this and get rid of the card but I got an email recently from Egg telling me they were changing my APR to just 2%. It sounds too good to be true, especially as Egg…
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Applying for credit card when in between jobs
Hi all, I'm starting a new job on the 27th September but I won't be paid until the end of October. I originally thought I could put my next job title down on the form but I was told that I'd be immediately rejected as I currently have no income. I only finished by last job on the 7th September and I will receive a final…
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O2 cash manager card
what is it
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which credit card companies share more indepth data
with the 3 credit ref agencies?. i know some do , but would like to know which do and which dont:)
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Changes to Experian
Have just bought a copy of my Experian credit report to find that the credit card companies are now putting details on there of cash withdrawels, surely this is way beyond what they should be putting on there i.e. payment details and balance? Are there limits on what information the credit card companies can pass to credit…
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Credit Card when I thought it was a store card
Hello On a recent trip to Debenhams the lady on the till asked me if I would like to open a Debenhams card she said I would get 10% of my spend today, so I signed on the dotted line. I have now recieved the card and its a credit card not the store card I thought I was getting. Is this ok or do I need to do something about…
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Cash advance charges
I have a EGG credit Card. Not matter how much I pay off, the money pays off the lowest % rate charges first.....which charges are £11.00 - purchases. My cash advances is left till last which my monthly charges are £35.00. CON OR WHAT .... sure I should be able to pay the higher one off first. I have asked for a breakdown…
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How can I protect my Credit card from miss use?
Hi guys, I'm credit card holder. I have heard about the miss use of the credit card. How can I protect others from miss use of it?
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Default, passed to DCA and applying again
Hello I am new here, this is my first post I had a capital one card, which I defaulted on, and it was passed to a DCA, I am now paying that off monthly, of which I still have about £700 left to pay, my question is, will I be able to apply for Capital One again? Sounds daft, but I defaulted a long time ago :confused:
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best credit card option
hi all. im a newbie so this may have been asked before.... i have no debts and i always pay my lloyds platinum credit card off in full before the bill is sent to me to avoid paying intrest. does anyone know of any non fee credit cards that have good benefits that will work beter for me? thanx in advance eddie
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credit or debit card for foreign student
Hi, I live in UK and have a bank account here with a credit card (with NATWEST). My sister is coming over to UK from Italy for 2 months, so she will need a debit or credit card for her daily uses. I was thinking of adding her as a user to my credit card (in which case she will have to pay for cash withdrawals). I…
