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Reducing credit limits and credit score
I ill advisedly ran up over £50k on 7 credit cards. Somewhat luckily I had a windfall and paid off all the cards bar an odd £200. My debt to credit available ratio is thus fantastic but my available credit is still over £50k and I understand that this can scare lenders. If I reduce my overall credit limits to £10k (which…
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Rewards/Cashback Credit Cards
Hi Everyone, Recently I have got the new Goldfish credit card for the £30 of free vouchers. When I have the vouchers what would be the best card to have for rewards in the long term? Should I stick with the Goldfish or get another card?
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I D Protection
Hello, i had a credit card for a year and cancelled it in may 2009, i paid it off and recieved a letter saying it had been cancelled. I then checked up on my other card i still had opended and noticed there was two cards showing but one showed as closed. I then noticed there was no statements generated for June/July/August…
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Nationwide turned my down!!!
I'm currently trying to reduce the amount of debt I have at the moment. In terms of credit cards I have £4k on Barclaycard, £3.5k on Halifax (both 0%) and £6k on MBNA (which is killing me at 19%). I also have a graduate loan of £10k and a car loan of £9k. That said I always make my payments on time, don't miss a payment…
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credit card interest
I have recently become unemployed and am now getting £64.oo per week job seekers allowance, i also get£47 a week for my daughter from tax credits, i have 3 credit cards the biggest balance outstanding is mastercard @£2,600 I have been paying the minumum amount because i couldnt afford anymore, but now I am unemployed have…
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Low Credit Score! Help...
Want to get a morgage, but my score is low...525.. Will i get a morgage? if so what rate can i expect? How can i better my score?
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Goldfish interset rate rise
Hi I don't know if this is the right place to ask my question but it's concerning my Barclaycard Goldfish card. On my Barclaycard Platinum card, earlier this year I had the choice of a 0% balance transfer over a few months then it would revert to the normal rate or 6.9% for the life of the debt, which is what I chose as it…
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Finally got accepted for a vanquis card!!
Hi guys, I was made bankrupt in 2004, discharged in 2005. Took me untill early this year to get a Barclays account with a Debit card so am now happy with that.. Last night I filled out a Vanquis Credit card application and had a call this morning to say that I was accepted!! Whoo Hoo.... so things are finally going back in…
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Zero percent period ends
I have a halifax all-in-one card. My zero percent period ends in february and there is currently £850 on the card. I dont think i would be able to pay this off before the period ends, with christmas coming up and what not. What i need to know is what would the damage be on this card when the zero percent interest ends, how…
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advice on halifax credit debt.
My friend has had her Halifax credit card back from university of which she is still paying off TEN years later so I am trying to help her of which you can understand alot of interest / late fees have been applied throughout it. At the moment she started paying off £40 per calender month but £20 alone of it is just going…
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Which type of credit card do i choose?
I've recently had a nightmare in the airport where a credit card would have been extremely useful, i am now going to get one. The problemis i don't know what type to get. Martin says that if you're going to pay the full amount off every month then go for the cashback card. I won't be spending the £3k pa to earn any…
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Lloyds TSB highway robbery
Just joined MSE & I am taking steps to sort out all my financial problems , most can be easily sorted with the exception of my Lloyds TSB card. I cannot afford to pay this off & just pay the minimum by DD monthly. The issue I have is on 10 Oct 2008 my balance was £11783 , after paying £2946 this year my current balance is…
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Cross selling anti-fraud insurance
I'm not sure if this has already been reported in the forums: I can't see anything but I haven't been on for a while, so forgive me if I am repeating something which has already been discussed among regulars. When I had to activate 2 of my credit cards during the past month (Barclaycard and Capital One) I was given a…
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Are Abbey having a laugh....
or am I missing something?? I have an Abbey Zero credit card. My last statement balance for September was £1076.95. I paid off £1076, for some reason I missed the 95p, probably an oversight. Today I get my new October statement and it says I've been charged interest of £19.36. The payment due date on September's statement…
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Postal strike - Charged for late payment
Hi, we have never missed a monthly payment for our Tesco credit card. However, due to the postal strikes our cheque arrived late and we have been charged £12. They say we have other options to pay!:mad: Really, really annoyed. Does anyone know of anything we can do?
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Credit Conumdrum
I have a dilema... ... I have this new Barclaycard Initial on its way to me, but I don't really have annything to use it for. I don't want to leave it dormant waiting for Barclaycard to close it or have it there with enough available credit for a new PC tempting me, so I've decided to help my other half. Other half has a…
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Credit rating affected?
Hi i live with my partner and have done since 2006, she has lived at this address since approx 2000, she moved ou for 6 months in 2002 but has been back at the same address since. The person who lived here during that time has just had a letter sent to this address for her from Credit Account Management chasing her for a…
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Punished by Partnership Card (John Lewis) for being Paperless
I'm trying to add my boyfriend as a cardholder on my JL Partnership card. They asked for a utility bill and bank statement. I duly printed these from my online accounts and sent them off. Got a letter back today saying Online Printed statements are no good!! I asked if I took the Bank statement to my Branch and had it…
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Problems with Fairfx.com
Hi both me and my husband have got the fairfx.com prepay dollar cards, we have been unable to change our pin numbers to ones that we will remember and having emailed them 3 times have had no response, because of this i tried to withdraw the money but cant even do this has anyone had any problems having emails answered or…
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Vanquis - Fraud and locked account
:mad: Just had a rather heated phone conversation with Vanquis regarding my credit card. I have made some purchases as per normal over the last week or so. On Saturday, I added up my receipts and sent a payment from my bank (as normal) to clear my account. Just happened to call their automated service tonight to check my…
