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help with what to balance transfer
i have just been accectepted for a barclycard gold card & was planning to do a balance transfer from my other cards & take advantage of the 0% apr until march 2011. the problem is that they have only gave me a £1500 limit. my current outstanding balances are: clydesdale bank credit card balance: £2150 APR: 26.5% argos card…
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MSE Team Blog: The AA changes gear to ‘neutral’ on new credit card
This is the discussion for the MSE team blog: The AA changes gear to ‘neutral’ on new credit card Click reply to discuss
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Barclaycard initial provisionally accepted
Hello there I applied for a Barclaycard initial and have received today a letter saying I am provisionally accepted. They ask for further information to help check my identity and address. They ask for a utility bill, two months banks statements and two recent pay slips, self assessment or confirmation of NI contributions.…
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Amex Rewards
Hi Everyone? Does anyone know how good your credit rating has to be to be accepted for a Amex Rewards account? I have one and now my girlfriend wants one! She meets the minimum earning etc etc. Cheers
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Negative impact of closing a CC account?
I have 4 credit cards in my name. 3 of them have rate jacked me and so as a result I have used my option to close 2 of the accounts and freeze the interest rate. The 3rd one jacked the rate prior to the rule change in Jan 09 and so I had to accept that one. Today I have just recieved a letter from Credit Card number 4…
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Amazing Miles Card in the US, One like it in the UK??
Heard about this card in the US, the deal for air miles is amazing and so much better than anything i've seen on the site. Citibank Premier Pass Elite. (just google it) The major thing about the card is this, for every dollar you spend you get 1-2 points (depending on where its spent). About 25.000 points for a domestic US…
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Will cancelling clear creditcards affect my credit rating?
Hi guys, could you please help.... Would cancelling clear creditcards and store cards that I don't owe any money on, affect my credit rating badly or would it free up credit that could I could obtain elsewhere from other companies??? Many thanks
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Best way to buy a car
Hi I am paying out £6000 cash for a car... I have the cash but wondered whether there is a smart way I can do it (rather than just paying on Maestro) that will give me some benefits back... i.e. might it work better to pay on a card and get some airmiles or something. Anyone got any ideas? Lara
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Halifax - Settlements???
Does anyone know if the Halifax will accept anything lower than the outstaning balance? My wifes income halved, and we ran up a £15k credit card debt with them - Stupid I know! My wifes income never returned and we are struggling to pay the reduced amount to them. I have around 5k in savings and would hope to offer this as…
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Legal action aginst credit card?
Am getting charged for a transaction that I did not make going back to September last year, I have raised with them signed the forms, also made complaints but nothing. They say that they might have proof that I used it on the "adult website" but I haven't. I know it’s only £45 but why should have to pay for something that…
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Balance Transfer Credit Card
We've spent on our 0% transfer card without realising how the interest and payments were applied. Is there anything we can do to limit the cost of our stupid actions with this card?
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Capitalone have put up my limit - I think ?
The limit on my Capitalone card has always been £1100 for a year at least, I pay in full every month and today I log in and I get........ Credit Limit£2,100.00Current Balance£691.34Available Credit£408.27Cash Available£408.27Amount Overlimit£0.00 But The available would need to be £1408.27 for the limit to be £2100, but…
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Freezing credit card interest??
Hi, I'm new here and after a bit of advice. My credit card company recently wrote to me to inform me they were changing my credit limit on my card altho i'm not really bothered about this I'm really struggling with repayments each month and then with interest on the top I'm not getting anywhere near to paying it off. So my…
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help please
hi guys and girls me and my wife have huge debt on cards me about 9k and her about 7k so total £16k but she was made redundent in october and we have been living the best we can and can not afford to keep up payments as 2 of her 3 cards wont pay the protection as she works part time now but did not when she took the cards…
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How do credit cards affect rating?
Hi, My wife and I always pay off the full balance of our credit cards each month by direct debit from our bank account to avoid any interest charges. How does this affect our credit rating? I've heard that this doesn't help our credit rating because we're not actually building up any debt to pay off. Would it be better for…
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repaying cardds -what Pence in the pound?
HI newbie here so lets get going- short story - 3 redundancies in 5 yrs, debts mounted up , equity in property so selling to clear the os debt. Everything has always been kept up to date but it's becoming a struggle. anywho i've got debts with Egg, Barclaycard, Coop, Bank of Scotland and santandair. Back in the day you…
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Credit record and searches
I have just got my credit record from both Experian and Equifax, my report is very good overall but I do have 12 searches in the last 12 months, is this a lot? Am I right in saying that the searches come off after a year? If so, 6 are due to come off in June, 1 in July and the rest in November, I would really like to apply…
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Flybe
Anyone else having any bother logging in to their online account? x
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Advice on using a loan to get rid of all crdit cards
Hi all, I am looking for some views or recommendations about what i should do in my present situation. I have accumulated some debt over the last few years, nothing major, about 7k. i had got this down to about 4K, on a 0% balance credit card and was getting rid of it well, however there was an emergency last year and an…
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credit history...help needed?
Hi Guys, Need some advice on the credit report area……I want to go through my credit report with a fine tooth comb and protest anything that shouldn’t be there so I can clean it up a little bit. Can anyone suggest the best way to do this and in which format should I get my credit history? I look forward to your replies.…
