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Worried about late payment..
I made a payment to my CC on Friday and it's due tomorrow and it still hasn't been credited or cleared from my bank account even it has gone from my 'available balance' so I know something went through. I'm on an interest free period and don't want to lose it by making a late payment. If it doesn't clear tomorrow on the…
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Has Monument gone bust?
Hi everybody, I had a letter from Monument last week to say that they would not be in business anymore (in so many words) after a certain date (coming up soon but I don't have their letter to hand) and I wondered if anyone knew if they have gone bust? They have told me I need to pay what I owe them - does anyone know what…
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New to CCards - Please help advise one for travelling.
Hi all, Ive done some basic reading around and this subject still remains unclear to me. I am heading off to travel in a few weeks and alongside the money I do have, I want to be able to borrow the rest to ensure that I have enough funds to keep me going. I currently have a basic mastercard with HSBC with a £500 limit. I…
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Balance Transfer Question - how long?
Greetings, last week I used my HSBC internet banking to balance transfer £500 from an MBNA card to my HSBC card, the £500 is now showing on my HSBC card but is also still showing on the MBNA card. So I'm paying interest on the extra £500 on HSBC and still on the MBNA?! Is this normal? The transfer went through on the 28th…
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A little annoyed: MBNA
Hello all, was just wondering whether anyone else had experienced this and whether there was anything I could do about ie complain to anyone. I have an MBNA credit card which got a little out of control (not massively by any means but a little). The first thing is, they tried to send me a card by courier which didn't work…
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Turned down for a Credit Card - Appeal Process help
Afternoon all, I have just applied for two credit card, the first was with Santander and the second was with MBNA. The reason I applied with MBNA was because Santander had not replied for over 3 weeks and I assumed I was not going to get a response or had just been rejected. When applying for MBNA I mentioned to them that…
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Egg card Question?
Hi Sorry if this is in the wrong place, just wanted to ask - my husband had an egg card which ended up going to debt collection (Fredrickson International ltd) He has been paying them what they requested for over a year now. Light night He rang them for a balance which they told him and they also gave him a settlement…
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Close my Barclaycard Account
Hi there Does anyone know if i am able to close my Barclaycard account whilst I am still paying off the debt and whether i will incur anything, or they will want the full payment? Or the Pro's and Con's? Sorry if I have posted this before but it went funny! Thank you x
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Credit Report
Hi has anyone recently used a FREE site to get a detailed credit report for themselves for free of charge? I just need to get report which is totally free and is detailed as well. Please, someone recommend.
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Credit Score- Electoral Roll
Hello, I have just sold my flat and am about to move to temporary accommodation for 2 months before moving into my new flat. I am currently registered on electoral roll and council tax where I am. I am effectively staying in a 'hotel' for the 2-months. Do I have to register on electoral roll & council tax? My current…
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Mint CC BT Fee
I did a BT onto my Mint card, and I got my statement through and they've done the BT as 0%, but then put the fee as a purchase at 16.9% - which means I'll be paying interest on my fee until the BT is paid off. Does anyone know if this is correct? I've tried to find the T&Cs and can't find any mention of a BT fee as a…
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Credit report and old accounts
Apologies if this is a duplicate post, i thought I had posted it, but cant find it!.. My credit score is classed as poor 707. I always pay on time, never missed a payment, no ccj's etc etc. There are old accounts on their though that show settled. Would it improve my score if I had these removed? thanks
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Freezing interest on credit cards
Hi Hope someone can help Its it possible to contact my credit cards and ask that the interest be frozen whilst I reduce the debt and if so will this be marked against me in future??
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Credit report - and old accounts
Hi Sorry if this has been asked before, i have tried to look but cant find anything similar.... My credit score is classed as poor 707. Even though I pay each month, never late, never missed a payment etc etc.... There are old accounts on my report which show as settled from years ago. Will these affect my score? If so how…
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Credit Cards anyone can get!?!
I saw the article on how to improve your credit rating on this weeks money saver email, I decided to apply for one of these cards that anyone can get. Only to get rejected! So instead of improving my rating, I've now made it worse. Slightly misleading wording Martin.
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mixed signals from martin
Hi, I am after some advice. My credit is currently ok, not great, but not too bad. im looking to getting a mortgage soon so in the current economic climate im looking to up my score. i have an egg card which is close to being maxed out (limit £2250) and a barclaycard (limit £360). i have just about got enough cash to pay…
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EGG Card Interest rate hikes.....
Following on from another thread on here, has anyone else had a rate increase this week ? Mine has just jumped 2% from 17.9% to 19.9%. Thankfully I recently transferred 90% of the balance to my Lloyds card on 0% for 6 mths. I think I'll move what's left to another card now. I might then be able to move it all back in 6mths…
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Credit Card Balance Transfer Question
Hello, New post for me. I have followed this website for last year or so and consider myself reasonably financially savvy, however i need some advice on a particular issue i am having. I recently requested to transfer a balance from my Virgin credit card to a new Halifax credit card. My issue is this: I have requested that…
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Credit Card vs Loan
We recently signed up for a timeshare and the application form included an application with Barclays for the loan on a credit card with a rate of approx. 18%. HMC Loans who are affiliated with Barclays have since sent me an application for a loan to pay off the credit card with their loan rate about 12.6%, however there…
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American Express cancel my card!!!
I have had an American Express Platinum Card for 11 months which I initially used to get the 5% cashback for the first 3 months which was ideal as I bought quite an expensive TV and more before Christmas. With just 4 weeks to go to the first anniversary I log onto my account and as I am checking my statement it suddenly…
