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Available credit %
I'm gearing up for my credit file to start cleaning itself up next year as my nasties hit their 6th birthday. At the moment, as I don't have a lot of available credit, my credit file is showing that I'm using 77% of my available credit, which I guess is a bit high. As well as paying some stuff off, I figured getting some…
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Debt Management plans - credit cards
(I posted here because I assume because its about a credit card, credit card section will be best) I was thinking about these debt management plans, My father is on one, I'm just wondering, just say I went onto a DMP and my creditors are all credit cards. What happens once I complete the plan, do all my accounts get closed?
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Next Account.
I have been a customer of Next for a few years - never missed a payment and my Experian/Equifax has no missed/late payments etc. the other day I discovered they have cut my limit by half - taking me under the present balance!I don't know whats caused them to do this. I called them up and they were most unhelpful - whilst I…
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Help - late payment markers!
I've been trying to rebuild a credit history and to a decent degree of success - Full bank account, visa debit card, overdraft, together with a Vanquis card which has been ran well for 12 months. My wife opened two catalogue accounts with Shop direct companies and they are showing on my credit file, in my name. One of them…
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Natwest Increase in APR on £250 balance and they said i HAVE to accept it??
Hi, This morning i received my latest statement from Natwest and they have stated that from next month my intrest rate will increase to nearly 1% more!! I have a balance on the card of still £250 and cant afford to pay this all off in one go. I called them and told them i reject the rise and i will not use the card anymore…
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virgin card and transferring overdraft
Hi all, first timer on here so be gentle! i am thinking of transferring £3500 worth of overdraft (current account) to a virgin card 0% plus £2000 on a homebase card. is this even possible before i apply? thanks in advance.
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Advice Required
I was having coffee today with a friend who asked me a question I did not think I could answer. She has an outstanding CC debt with Tesco(?RBS) of around £5800. She is paying it off at £185.00 a month, The rate is 1.456% a month balance after September payment of £40.06 was £2817.45. The life of the balance is 0.658%…
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aussie needing uk credit card advice
i have moved to the uk and have been here about 5 months now, but i have a credit card back in australia that i need to get paid off. however it will cost me a fortune to constantly pay off through transfer of funds from here so am wishing to get a uk credit card and do a balance transfer if possible. Which credit card…
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Halifax Credit Card - re-apply immediately?
Hi, My OH is looking for a new credit card (for purchases). She currently banks with Halifax and already has a credit card with them, but the 0% term has run out. She doesn't have much credit history, and has only registered for the electoral roll in the recent canvassing so likely won't actually be on it yet in her…
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Virgin Credit Card disaster
Hi there and thanks for taking the time to read my thread. I have a virgin credit card with around £5500 in debt on it. I was paying around £70 a month ( and i think around £40 was interest. By mistake my partner transferred a balnce on the internet and with the charge it took me 50p over my credit agreement. This has…
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capital one late payment chargers
hi, starting to get problems with capital one that i have never had before.i always make my payment via there website the day before the payment is due by my debit card,i always pay my balance in full so i am never in credit to them.but the last two months there are charging me late payment fees,if though i have an email…
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Help with arrangement to pay
Hi, I have a barclaycard account that is currently marked arrangement to pay on my equifax file- the interest is about 1.5% though I am paying more than my minimum payment- I got in t a bit off a mess one month last year as I wasn't paid for some work ,wrote to them so they put me on a payment plan. I have since tried to…
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When credit card providers raise the APR...
Are they required to offer to keep you at the previous rate provided you stop using the card and pay off the balance? Also, would they expect the whole balance settled at once?
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Payment Protection Insurance, but not re claiming!
Gentlemen and Ladies, I'm pretty new to all this and have a question that hopefully some of you can help with. I was injured at work in May 2007, at the time I had a credit card that was covered by a Payment Protection Insurance Plan, so happy days! or so i thought! The system was that at the time of claiming the card…
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Decreased Credit Limit with AmEx
twice in the past 12 months my credit limit has been decreased from 1900 to 1300 then just to 800. I asked why and got the usual "we are a responsible lender" rubbish. Never missed a payment, never gone over or anywhere near my credit limit got an average credit rating, havent applied for more credit etc. so why have they…
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Card Tarting and Credit Checking Problems
Hi, I'm new to the forum thing but I was wondering if anyone could help me out. I'm 24 and have been doing the card tarting thing, I got my first 'tart' card easily and when it came to applying for a new card I got rejected. Not thinking I applied for others and have since come to realise I probably did not do myself any…
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Virgin Money login issues?
EDIT - I mean Credit Card card Not sure if its just me, but my password is currently being rejected as incorrect (i know it isnt). I rang Virgin who confirmed my last date of login (which was me). They say its not possible to change password without loggin in so at a bit of a loss! They have suggested they delete my…
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MBNA 0% interest on vehicle purchases
In August of this year I purchased a vehicle using my MBNA credit card which entitled me to 0% interest until April 2010. I've held this credit card for a good number of years and always clear the balance each month. However, in October, despite my bank transferring my full payment to MBNA, which arrived with them on the…
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claiminf from visa debit cards
Hi, could someone help me please. My wife bought some hair straighteners from a non UK based website, they arrived but they were fake. She paid for them with her visa debit card. Does anyone know if she can claim the money back through her bank or not. She has been told that she won't be able to claim the money back but i…
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egg card
Is it possible to have an egg card and an egg money card? I already have the egg money card which I use for spending. They have an ad on website for a 0% BT with 3% fee but it says for new egg card customers only and I dont know if that means I wouldnt get one.
