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What counts as household income?
Hi there, I've recently started my first job after university and wanted to apply for a better credit card than the student one I've got with a limit of £500. I only use it for emergencies and to build up a credit rating, pay off everything each month, and wanted a card which will give me cashback or rewards or something.…
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credit card debt
I currently have three credit cards which i am paying off £4.714 on a mint card, £2.247 on mbna and £2.448 on visa. My minimum payments are £106 for mint £52 for mbna and £46 for visa(hsbc), my incompetance in handling this debt is probably self evident, i would dearly love some advice on how best to pay them…
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Advice needed
I have currently around 7400 debt divided between 3 credit cards all of which are near their limits. I want to do a balance transfer but have been refused when I have applied for my preferred balance transfer card. I have checked my credit reports at Equifax and Experian and there is only one negative on them which is that…
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Halifax 0% over 9 months (sorry im a bit thick)
Hey guys, just a quick one Basically my laptop is packing in (nightmare this close to Christmas) and checked compare the market and on the credit cards section it got the Halifax card which offers 0% for 9months interest free. Am I right in thinking that, if I get this card and buy a laptop on it, as long as I pay it off…
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Halifax "one" interest with low balance.
I just noticed something on Halifax One if you have a small (<£30?) balance and pay it off plus the interest that will be added next month you save a small amount because the minimum interest payment is 50p but if you account is in balance this does not apply. This only works if your interest owed is less than 50p though…
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New Credit Card - Lloyds TSB
Hi All, I am holding Natwest Current Plus Account (with overdraft of £500) and Lloyds TSB Current Account (without overdraft), since Dec 2005. I have been living on my past address for 4.5 years and in my current address 3 months. I was not on the election register in my previous address. Now in my new address I am on…
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Vanquis Credit Card
Hi Guys, I recently have taken out a Vanquis credit card and am paying it off in full each month. I received my latest statement through the post and am both annoyed and astonished to see a £1 "minimum finance charge" that was due to come out on the 2nd December. Granted, this isn't a large amount of money, but why the…
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Balance transfer from overdraft
Hi, I'm looking for some advice from the experts out there please. I've been offered the 6.9% balance transfer for life on to Barclaycard for £4k. The only downfall is that I want to do this from my Lloyds TSB overdraft which Barclaycard don't allow as far as I can tell. As far as I can tell I can transfer onto my Egg card…
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can the bank legally take £10,000 out of my fiance's account if half of the money ...
is mine? my fiance and i have just gotten a joint mortgage which included money to renovate the house we were buying, We had the money paid in to his account as we were waiting for the paperwork for our joint account to come through. During all this we were also combining all our debts and entering a debt repayment plan in…
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Working out exactly when interest free period ends
How can I work out when the latest date is to pay off an interest free card without incurring any interest ? I have a card that is interest fre until Jan 2010. Should I be paying it off before the Jan statement comes out or at the end of Jan or prior to the Feb statement ?
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Barclaycard fraud dept complaints
Does anyone know a way to get BC to take complaints seriously? I was the victim of credit card fraud this summer, and now months later it's still not resolved. I spoke to the merchant who took the transactions and they agreed to refund them if requested formally by BC; but despite this, 6 months down the line I still have…
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credit card, benefits and court
Ok I got a £650 been told to pay something like £220 by the 17th otherwise court. Rung up today to make a £100 payment (obviously cant afford £220 a month) and they said no we cant doit, it breaks the agreement of £220! (I made no agreement) I was to pay £35 a month, and accidently missed 1 payment! any advice? should i…
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Equifax yearly subscription charged despite cancellation request
I signed up to the Equifax free trial on 7th November to check my credit report. Approx 2 weeks later I sent an email through the internal messaging system in order to cancel my subscription. I forgot about it until today when I noticed a £69.99 charge on my credit card on 7th December. I never had an email back about the…
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Over paying on a card
My son has recently obtained his first credit card and as a consequence his credit limit is initially low at £100. He would like to use the card to obtain the consumer benefits that go with credit card payment, but the card credit limit severely restricts this. Is it possible to pay additional over and above the monthly…
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Virgin refusing to chase up a misplaced charge
At the end of August, I noticed a transaction on my credit card from Macy's in California. Naturally I was confused about this as I'd never been to California so I phoned Virgin up straight away. I was told that this was unlikely to be fraudulent as it's a one off transaction and the system said the card was presented.…
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Principles Store Card
Hi There New to this but have a question to ask. My wife has a Principles store Card through Ikano Finance, Principles went into administration about 6 months ago and my wife is still paying off her debt at about £15 a month. We thought everything is fine but when we signed up to check her credit report it says the debt…
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Clever Christmas Thieves
Just received an out of the blue credit card statement from Nationwide. A card I rarely use, have never lost it and do not use it for online purchases. Apparently I spent £537 online with Fortnum and Mason in London. Reported the fraud immediately. Helpful person at Nationwide/Visa. Was told that another £620 had been…
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Bank of Scotland Easy Rate or Student Credit Card
Hi all, I'm about to apply for a credit card as I'm switching banks to the Bank of Scotland. I'm currently a first year student and am wondering if I should apply for the Bank of Scotland Easy Rate Credit Card rather than the student one as it seems to be better. The APR is about half of what the student card is and there…
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unauthorised ebay transaction on my credit card
i have an unauthorised transaction on my credit card for £285 from EBAY EUROPE SARL. I dont have an ebay acc and havent bought anything off ebay in the last 6 months. Cant seem to get anywhere, going round in circles.... Can anyone help me.........please:mad::mad::eek::eek:
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Seems Like I'm in a CPA Situation, but...
...this was never agreed from what I can recall. I run a small business and three years ago I took out an advert with online directory, Touch Local. This was paid for, done and dusted. The payment was made electronically via internet banking. At the point of renewal, decided not to go along with it and declined the offer;…
