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Declined a card application - but credit rating looks ok?!
I've just tried to apply for a sainsburys credit card online and been declined, I can't find out why till tomorrow when the applications dept is open. But, I did some digging and got the 30 day experian trial and my credit file looks ok. All accounts are satisfactory, the only thing that looks out of place is the no of…
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gross income question
hi there, when filling out applications for any credit it always asks what is my gross income. i always put my wages in but i just wondered can i include the money that goes into my current account every month from my girlfriend for her half of our mortgage? as the higher income could get me a higher credit limit? thanks!
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Credit vs Direct Debit
Hi I'm new to this so pls excuse any mistakes! I can't afford to pay my car insurance in one go, so I have two choices: Do I, 1: Use a credit card which is currently clear with normal interest, to pay it off in one go, and then pay my balance off monthly at around the same amount as I would pay insurance OR 2: Get a direct…
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Time to Ditch my BMI Mastercard?!
Hi Moneysavers, I have an Am Ex Plat. - which I can work out is the best card to have for Cashback. However for places that don't take Am Ex I use my BMI Plat. Card (MBNA) which gives me diamond points. I can't find anything recommending this on the site, so I'm thinking it's a bit of a rubbish perks card. What would you…
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Tesco card Vs Natwest card
Hi All, I am intending cancelling either tesco or natwest credit card ..... i have been with natwest since 1988 and tesco only a few years.... the reason i want to cancel one of them so i can improve my rating and allow me to apply for other 0% interest card to reduce my monthly out goings as i am just about to go throught…
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Tesco credit card payment due date beware
Beware tesco credit card payment due dates if you access your account online. For example, whilst the statement summary online shows payment due date 13/11/09 if you download the statement it shows in small print that your bank account will be debited with the full balance on 8/11/09 or soon after. That's 5 days before and…
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step son used my address for bank account
After a messy divorce where my evil ex stepson lived with us for around 6 months, I have started to get the occassional post with his name and my address. He had tried to take out a credit card but I just rang them and told them he doesnt live here (they took some presuading and I had to do it a second time). I had through…
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Credit Card v Debit Card which would you use ?
This is a ‘What would you do’ type question and I am just looking for different views. Lets say you have a normal current account, savings account and 6 Year bond with your bank, you bond is 50k, savings £25k and money in your current account is £2k each month, you have not and will not be overdrawn and therefore no…
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just really need some help :-(
hi i'm new here, i only posted once before. i really need some help, i didn't know where to post this so it's probably in the wrong place but as my problem relates to credit cards, it seemed best. i have a serious, serious spending problem. i'm not in crisis as such, my credit is good, everything has always been paid up to…
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My Credit Cards! - Credit rating
Got me in loads of trouble near 40K...this was near 1.5 years ago.. I am now down to only needing to pay off the last £4k :cool: Question: Does cancelling the credit cards effect my credit rating? I just want to get rid of them. Thanks in advance.. --Sam
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Money transferred twice...help...
Hi, Something very weird happened. Last week I requested a transfer to my halifax current account from my Virgin credit card. Wanted to avoid new overdraft charges from halifax and still have 0% interest until June 2010 with Virgin... Anyhow, money transeferred to my current account today...twice! Came in on the same day I…
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what transfer would be best if any?
hi new here I have been reading the tips but would like to ask about transfering the balance of my credit card approx £2500 I work only part time at present as I am a full time student in receipt of a bursary, therefore my income does not alllow some of the identified cards I do not use my card and have not for some time…
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How do I cancel a credit card?
This is a really simple question but I can't find the answer! How do I close a credit card account? I got an ASDA card ages ago and used it for a while on my petrol to get 1p off a litre, but no longer have a car and never go to ASDA. It's just cluttering up my purse and I'm aware that having more credit available than…
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Has Capital One increased the interest rate of your Credit Card? Please let us know
Capital One is currently writing to some of its customers with details of interest rate rises to come into effect in December? Have you had one? If so, please report your old and new rates below (and let us know what type of user you are and which card you've got). eg Card: Classic Old Rate: 30.9% New Rate: 34.9% Type of…
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Exposed! Mbna (virgin) rate jacker experts!
MBNA (VIRGIN) RATE JACKER EXPERTS! The problem the average consumer for credit cards is having is simple! The minimum payment mainly is made up of interest due to the Credit card.So no debt on the card ever gets paid! For me. I have 3500 pounds of debt on a Virgin MBNA card. In Jan 2008 they changed my interest rate from…
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Repayment order - long term low rate or 0%?
I won't go into all the details but basically I'm a debt free wannabie looking to pay off credit card debt. Currently I have £900 on a life of balance transfer at 2.3% and £4000 at 0% until July 2010 I know that normally the only sensible approach is to pay off the highest interest first. But I'm not going to have cleared…
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Debt of £1,500 - Looking to Clear with Credit Card
Hi all, im new to this forum so apologies if i've posted this in the wrong place or there's a similar post already running. My partner and I have a debt of £1,500 with the HBOS and as you can imagine, the interest is extortionate. Looking to get my hands on an interest free credit card to pay the debt off and then in turn…
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My Abbey Visa Debit Card
I paid for goods on my Abbey Visa Debit card I have not had my goods after 2 months of phonecalls and email can I get my money back through my bank :confused:
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Credit card free at last - pats on the back accepted
January this year I had over 15K on cards and yesterday I made the last payment on the last card :money: It's been tough but manageable. I did it the old fashioned way - paying it back :p I'm having one day off to be smug - then I'm concentrating on the mortgage :T Good luck to anyone on the same road! Cheers BigLad
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Can you do more than 1 BT ?
Hi Just want to know if you can do more than 1 balance transfer to a bank account from a card at diffeerent times but within the same promo period. I bt'd a small amount earlier in the year to my bank account from my virgin card and used the 0% until jone 2010 offer. Is it ok to do another tansfer? The offer ends 19th nov…
