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Cash advances very bad for credit rating?
I sat in the bank yesterday going over my credit file and my account manager told me this: 'Although you've not missed any payments on any of your credit accounts you have a cash advance on your credit card in June which makes banks think you're desperate for cash. Lloyds bank for example will refuse you a loan even if you…
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C/C transfer and overdraft combo
Hello, I have a few hundred on a c/card @ 16.9% and an overdraft that doesnt get cleared even on pay day so im constantly in the red. My thought is to pay off the overdraft using the avaliable funds on my c/card then transfer the balance to a 0% c/card such as Virgin with a 16 month interest free transfer rate. I could…
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M&S Interest help!!!!!
Hoping someone here can help me make sense of this....have battled now 6 times with M&S who can't explain it to me, nor my Mum who used to be book-keeper! Had balance of £72.78 on statement. Paid off £35 mid month WAY before Payment due date. When statement arrived, shows 72.78 and £35 payment, BUT! interest showing as…
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any other options?
My husband and I are trying to move our credit cards debts over to 0% cards. I've checked my credit report and that seems ok - two late payments about 6/7 months ago - that's it. About that time I was rejected frm Virgin, I also wasn't on the electoral roll at the time. I am now on the roll and tried to reapply with them…
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Help Please - Payments being taken from Credit Card
Hi I hope someone can give some advice? I signed up online for a 'free' trial of Smile Bryte teeth whitening and gave my credit card details - as far as I could see there where no T&C's and the only thing I was paying for was P&P. Now 2payments have been taken from my Capital One credit card (I only have a £200 limit as I…
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2nd card when on IVA
Hello all, Can some one help me, I need to hire a car but because I am in an IVA I cant have a credit card. I do have a Cash Plus card but not every car hire will take it. If my partner gets a second card for me will it effect her credit rating ? Thank you
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Why do I keep failing credit checks?
Hello all, I've lurked here for a long time but now I need some advice, here's my situation: I want to get a new car, got a few grand saved, but I want to get a 3-4 grand loan to cover the rest. My problem is, I've applied for 2 loans now and been turned down due to failing credit checks. I have signed up to both experian…
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CREDIT REPORT - Experian - Missing details
I pay monthly my Experian membership subscription. But on my Experian credit report I can't find all my details (monthly payments). I mean it's only Lloyds TSB who appears there (I'm also banking with Barclays, Premier Division but nothing about Barclays appears in my credit report). Nothing about my monthly payments to…
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MBNA have sold my debt
Hi I need some advice - after being made redundant I could not afford to pay my monthly amount so agreed to pay them £36 a month - now they have told me they are in the process of selling my debt - what will happen now and where do I stand.
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Halifax Online Banking/CC etc etc.
Is anyone else having difficulty logging onto Halifax Online Banking. It's been 3/4 days since I've been able to successfully log on without a critical error message appearing saying how there are problems and to try again later ??? Is this just me ?
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Egg money card screwing me over
Recently took out an Egg money card with their car insurance - given the 0% 12 months APR on the (quite substantial) insurance premium and their 1% cashback it seemed a no-brainer.I also started using the card for general shopping etc, with the aim of paying all the shopping off IN FULL monthly and making small…
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MBNA Questioning Insurance Claim
Hi, My father in law passed away in October and he had an MBNA credit card for which he was paying payment protection or insurance of £9.20 a month. When we contacted them they told us not to worry as there was insurance in place to cover the balance of £1300. They requested a copy of the death certificate which we sent…
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Santander Zero - Worst Customer Service
As this card appears to offer a good deal, I thought I should warn people of their appalling customer service. I applied for the card on the basis that it would be linked to my alliance and leicester current account, and all the literature was branded with A&L logos. However, I was fooled. This card has no affilliation…
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Closing CC account & SAR?
Hi, first post - thanks for taking an interest. I have a Nat West credit card that's about 25 years old. During that time it has never been defaulted, or had any missed payments etc. The balance is about £11,000 - and, I'm finding it increasingly difficult to meet the payments. Now, Nat West have given notice of another…
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Best Pre Paid CC
Done a little search but can not find an answer Which is the best Pre Paid Credit Card for £ I have a crap electron card which is fine 95% of the tiime but sometimes I can not use it So any suggestions please
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Cashback
I understand the idea that you should never withdraw money from an ATM with your credit card due to the insane rates of interest. However, if i were to say buy £7 worth of shopping from the supermarket and then get £30 cashback surely that would just be billed as £37 spent at asda or wherever? Therefore i would stand to…
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0% on purchases - how do I rack up charges?
MBNA are kindly offering me 0% on purchases until May. Anyone got any good ideas on how to quickly rack up charges to make some money off it? Last time I did this I got a company to charge my card and refund back to my current account thereby freeing up the cash. They seem to have clamped down on this method this time…
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Application for credit card with good credit
hello, my credit score is good and have a halifax all in one card,yet another turned me down. My question is ....should i give in the electoral roll info from my credit report when applying and match it when applying for credit card?I think this is where i went wrong by writing down that i live here longer than the…
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Read the info - Post Office Card
Hi all, I've a Virgin Money 16-month interest free card where the interest-free balance reverts to 15 odd per-cent next March. I was trying to plan ahead and saw the Post Office card, through Bank of Ireland, would give me another 12 months if I transfer my balance within 3 months of opening the account. Well, it's just…
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Barclaycard - is the site down?
Is the Barclaycard site down?:eek:
