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Best Balance transfer cards for people with a poor credit rating. help please??
Hi there, My problem is that I want to transfer the balance from my existing credit card to a 0% interest balance transfer credit card if possible. However, every company that I have tried so far has turned me down due to my credit score. My aim is to pay the balance on my credit card off, but if I can't transfer it I…
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Credit Card Advice
Afternoon All, Please can someone help me, I have just been approved for the HSBC 0% on balance tranfers for 15mths :j But reading though the paper work it says that the total interest charge is £477.66. what does this mean? I haven't even got the card and there wanting money and i want take it if i have to pay out this…
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Does my amex affect my credit rating
Hey all, A thought just crossed my mind that has never occured to me before... I have an amex card that my Dad gave me for emergencies while I was unemployed. I have never filled out any forms etc for this so I am assuming I am an additional cardholder on his account. I never see bills etc for it and he pays it off in full…
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Best VISA credit card
I only use a credit card when i am abroad and thus only need a limit of £500 on it. I currently have a Mastercard but am looking to change as am frequently finding that some countries only accept VISA. All the best cards only seem to be Mastercard; Satander, Post Office etc. Can someone please suggest a good VISA card?
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Hsbc
HSBC are putting up my credit card APR for the second time in 3 months 8-) When I first got it, it was 15.9, 3 months ago it went to 19.9% and now it's 21.9%. I feel like HSBC are trying to screw me :-|
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egg credit card have charged me £16.00 for going over my cc limit
Hi, ive just noticed on my credit card statement that I have been charged £16.00 for going over my credit limit on my credit card. i phoned them and they said that because it was a standard they couldnt waiver it. its a shame I only went over my £26.00 and that was something that shouldnt have been taken straight away as…
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best card for 0% purchases
Wondering if anyone can help? I'm looking to get a 0% purchases card. The two best for 12 months appear to be Tescos and Halifax. I have a very limited credit history beyond 15 months ago but have never missed payments etc so I think my credit rating is fairly good. Any idea which of Tescos/Halifax is likely to give me a…
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When can you go mainstream after adverse?
I still have to send some letters off, but at the moment I have a late payment marker - a 5 - incorrectly registered against me (my account was in dispute at the time). I have plenty of credit accounts - an overdraft with my bank which I've been with for 12 years, 3 sub-prime credit cards (2 of which have doubled my credit…
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next directory help
hi, the other day i set up an account with next directory as im planning to buy some stuff from the sale. but i have just checked my account and it says i have got a credit of 250 quid. i thought i was just opening a cash account! im pretty sure i wouldnt have passed any credit check (not to mention i never agreed to…
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National Hunter query
Hi all, After reading the very helpful article on boosting your credit rating, I wrote to National Hunter requesting the information I had entered on previous applications. As I have moved quite a lot (about once a year for 10yrs) I wanted to check for any inconsistencies. The info on National Hunter from the article…
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Halifax Credit Card Missed Payment
Hello everyone, I have a Halifax credit card and my balance is currently only £6. The payment was due on the 21 september, so I got online the last day(I forgot before) and tried to transfer from my current account to my credit card. I do this all the time for my HSBC credit card and the payment goes through in 2 hours.…
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Best card for balance transfers?
What's the best card for 0% balance transfers at the moment?
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which balance transfer?
Hi I have a barclaycard and a egg card with a very high apr%, I have just won my case with egg bnking for screwing me with PPI on some loans that date back to 2001:beer: Egg now owe me £4000 thanks to this site and the Financial ombudsman and thats about how much I owe on my current barclay card and egg card balances, now…
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Rate Jacking - Have they followed procedure?
Interest rate gone up by 5% on my BOS card. What im bothered about is i was not given any notice whatsoever and only noticed on my new statement because of the increase in interest and payment. So they need to give notice??? Also im led to believe they should give you the option of closing the account at the current rate…
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Very Catalogue and Choice catalogue Account
I've had a Choice catalogue now for over 2 month's got an £800 credit limit. I have read that the Very catalogue is cheaper then Choice. So applied online, but it said 'sorry, can't open you an account at this time'. The questions were identical to the Choice application? Do you think they don't like you having another…
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top up card
Is there a type of card that you can use as a credit card but only the amount that is on the card like a pay as you go mobile phone
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Natwest Credit card default
Hi, I am new!!! I defaulted on my natwest credit card back in 2004, but it showed up on my credit file as June 2005. I recently received a letter from Phoenix recoveries to collect the money, I sent them a prove it letter and they sent a reply saying they are no longer dealing with the matter. Now my credit report is…
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credit card abroad?
Do you need to tell CC company you are going abroad? I know years ago you had to but ahve not used one for many years but taking one this time in case I need it. thanks
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Canelling credit card but paying debt HELP
Hello all I am going through a divorce at the moment and due to a complete change of circumstance (lost my job) When I was married I had a credit card which was under my name but used for every day family things. Now that I am unemployed and raising kids I am also left with £6000 on 2 credit cards with the same bank. I am…
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Balance Transfer
Ive recently got to grips with my credit cards and sort it out making a plan to clear and put a stop on spending. Im thinking of making a BT soon to cut down on my interest Im switching between two cards onto a promotional rate if they give it just waiting to clear the card first and should be offerred a rate such as 6…
