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Highest credit limits for new applications
Does anyone know whether any companies will give a credit limit of £8000 for a new application. I have £8k on a Virgin which is currently getting 0% till April but nearer to the time I want to change it to one of the long term 0% deals (ie.15%) but don't want to apply if they never normally give credit limits that high to…
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Mbna!
Dear All This is my first post, so please excuse my complete financial ineptitude (which will have Martin jumping up and down!) And bear with me as it's long... I had an MBNA credit card when I was a student and ran into difficulties with it: my payment would be classed as a day late (often the bills arrived only two days…
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Barclaycard question
hi i was wondering if anyone could help me? DH has a barclaycard with around £5k on it. he negotiated a sort of DMP with them at the beginning of the year as he was out of work. we've been saving some money in order to pay it off as we want to buy a house next year and want it paid off before we apply for a mortgage. now…
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Plz help re Credit Card debt under / over 6 yrs?
Please could someone advise me my best options…. I am going through a divorce at the moment and 7-8 years ago my wife ran up a huge debt with my credit card (£3000), withdrawing cash from ATM’s without my knowledge. This cash was squandered and over time it came to light along with several other debts (utility bills,…
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Help!!!!!!!! Credit card theft
I made 2 payments of £4.09 using my credit card to purchase goods online in October, however they never arrived! In November 2 further payments of £73.33 were taken from my account without my authourisation, i cantacted the credit card company immediately.It was a call centre abroad who informed me that i would have to…
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Interest rate maths...
Trying to juggle all my cards around - yet again - (and getting sick of doing it to be honest !), and I've got my spreadsheet with all the cards and balances on, plus each company's current balance transfer deals (if any). I'm trying to work out which is cheaper, but I'm having trouble with the maths ! e.g. Lloyds are…
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Getting a new credit card with no provable income
I already have a Student credit card from my days at uni but the limit is piddly at £250 and have been told that's the max limit they offer on that card. If I want something higher I'll have to apply for a new card. However I recently lost my job after finishing uni and being there for 18 months. As I have no way of…
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tesco credit card
be aware that if you have a tesco credit card and it's coming up for renewal it will be automically requested, but will also cancel out your existing card at the same time, so you will find yourself without your card for 2-3 weeks until you recieve your new one. I had this problem today, and apparently this is not the…
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Will bounced Direct Debit affect my credit rating?
I have an MBNA credit card. They were offering me a 0% bal trans offer. As my fiance owed a wee bit on a C card which he was paying interest on, we transferred it over to my card. He set the payment up as a direct debit (I also had him manually pay the minimum payment on top of that as soon as the bill was issued just in…
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Credit Card Protection (not PPI) & Experian Protection
Hi all, I've just called Virgin Money to activate my new credit card and was treated to the usual hard sell for their card and identity theft protection schemes (separate schemes btw). If I remember correctly the costs were approximately £35/year and £66/year respectively. I never have given either much thought, but with…
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Help!!!!!!!! Credit card theft
I authourised 2 payments of £4.09 in October with my capital one credit card to a company named healthfocus & never received the goods. The company took 2 further payments in November of £73.35 & 2 payments in December of £73.89. Capital one refunded the 2 payments of £4.09 but refuse to help me any further & advised me to…
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Used to be A&L Visa Card now mbna -suggestions for new card please!
We have had an A&L cash back credit card for years but it has recently changed to mbna and do we know it ... customer service has become non-existent and we are looking for an alternative cash back credit card, the more ethical the company the better -any suggestions please? Many thanks!
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Advice needed please! Help with credit card question
Hi, I just want some advice for my mum. My dad has a Lloyds TSB Credit Card which he's had for years and I think he owes around £10,000 on. He was paying protection payments for years but mum has just found that he has cancelled these payments which in the event of his death, the debt would be wiped out. Now she is worried…
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Halifax/Bank Of Scotland All In One Credit Card 20.00 + Cashback
For accepted applications : Thought worth a thread as a lot of people apply directly for no Cashback. Fatcheese 20.80 Cashback (Inc 4% xtra Cashback until end of Jan 2010) + Cashback Guarantee. http://www.fatcheese.co.uk/merchant/?site=Halifax%20All%20in%20One%20Credit%20Card…
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Credit Card Transfer Questions
Hi. Sorry if these questions are stupid or obvious but here goes!! Can you transfer the balance of an overdraft to a credit card? Does it have to be with the same bank? Can you transfer money from a credit card into somebody else's credit card or bank account? Thanks
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How many days do Application 'footprints' take to appear on your credit file ?
If you apply for credit- loan or a card etc.... this puts a footprint/mark on your credit file. but how long does it take from the day you apply to when this application is an actual documented mark on your credit file as a mark? or is it immediate? (but I wouldn’t think so, as it takes time to process, etc.. and from the…
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Should I take advantage of 9.9% for life?
Hi - I am beginning to get a handle on my cc debts and have been swapping to take advantage of 0% deals where I can. But, with the bt fees, I feel like I am moving too much and not actually getting anywhere. I have been offered 9.9% with no fee from Nat West and if they approve a slightly higher limit, I could move my…
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BALANCE TRANSERING between 2 cards 'Alternatively' for MONTHS??..IS IT A GOOD IDEA ?
If you keep doing balance transfers between 2 credit cards, by shifting the balance every month-40 days to the alternative card (interest incurring I know) would the credit card companies who are doing the transfers be ok with this? is it an ok thing to do? or is a bad idea? and can make them stop allowing transfers or…
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American Credit Cards etc
I am emigrating to the USA in January. As I have only just graduated I do not have much money behind me to make the move. In addition, once I make the move I will initially have quite a lot of outgoings and my first pay won't be made for at least two weeks. I suppose I have two questions really: 1) Will I manage to apply…
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Bridgewater claims and Credit Card loan
Thanks for this. What did you do in the end? I have been approached by the same company Bridge water claims management ltd. webaddress is world wide web.bridgewaterclaims.com. they have promised to write off my off Egg Credit card debt 100% for £399. The say it because the goverment have said credit agrements must be…
