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Great Universal do 7 searches!!!!!!!
Well having a tinkering about, thought I would try for a GUS catalogue, so went through the apply for a catalogue, it came up approved with a £750 limit. So today thought I would check my Equifax credit file and hells bells what a shocker:eek: There were 7 full credit searches by the Shop direct group, so rang the credit…
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Vanquis-my history with them!
I applied last July 09, was accepted instantly, then 3 month's later in October my credit limit was raised from the starting limit of £250, up to £500. Now another 3 month's have gone on and it's now gone up to £1250, so that isn't bad really.
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Paying off car loan with credit card
Hello, I have £4500 outstanding on a car with VW Finance, I also have just got a Halifax CC with a £7000 limit with 0% on purchases for 9 months. Do you think I could pay off the car loan with the CC? My intention would be to pay off the balance within the 9 month period as the loan is being charged at 14%... Thanks
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Car insurance quote showing up on my credit file??
i used confused.com the other day to get a quote for a car that i may buy. ive just went to my account on creditexpert and its showing up as 2 searches :mad: will this affect my credit score in anyway?
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Is there a way of finding out which cards are MBNA etc before applying
Currently have 3 cards which I want to shift either to a personal loan or a low rate/ 0% card. I have a Co-op, TSB and Bank of Scotland card. I dont want to apply for a better rate card if it's likely to be declined cos the debt is already with that group, eg MBNA etc. Is there a way of finding out, so as to minimise…
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Virgin Follow on Deals
Have just paid up the balance after my 0% period on my Virgin CC expired:T is anyone having any luck with follow on deals at the moment and if so what length and what balance transfer fee are they offering as I have a Barclaycard one finishing in a few weeks. I need to ring them but always worth knowing whats out there…
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Credit review team
Hi. Hubby has an RB of S credit card and had a letter today from their credit review team acknowledging he hadn't missed any payments, and was under his limit etc but they believed his financial situation had recently changed and wanted him to call them to see if they could be of assistance ??? We did have a blip in recent…
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Would you buy a car with a credit card?
I am in the process of buying a car £3k and wondered is it worth paying for some of it with my credit card? Would it cover you in anyway? There is a 2.5% fee for paying it, so i was thinking perhaps pay £1900(only£2k limit) on the card and the rest cash. Other than it being interest free(apart from the fee) so i can spread…
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HSBC CC/Nationwide in America advice...
Hi guys I have a Nationwide Debit card I'm going to be taking abroad to America for a month with my holiday savings on. Will I incure any kind of charges when spending on this? I know they say it's free to use abroad but are there any hidden costs? I also have a HSBC Mastercard Credit Card with £1000 on it. My question is…
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Residual interest with MBNA
For the past few years with MBNA every time I have a balance which is on a 0% interest rate I get charged £1 each month in interest. I have queried this a few times in the past, and the person I spoke to was unaware of why it was happening, and has credited the amount back to me, and stopped it happening for the life of…
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CC refusal
I have had a mortgage for years, and a new one about to start, and a CC with HSBC, used occasionally and always paid off... and been refused a cc with Sainsbury's, which erks me. Is it, as I assume, because I have no intention of giving them any money and am merely taking advantage of the nectar points and 0% wotnot? I…
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Anyone else having problems with M&S and Mastercard
Paid a large bill with my M&S mastercard in Nov09.card decined. had lots of credit on it.embarassment for me. Tried again after ringing mastercard. declined again. Went through third time. No explanation except that the shop assistant said if customer not present then Mastercard M&S often declines,infact she'd had the same…
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Which credit card to choose as 1st one !
hi all, I am in need of help about choosing a credit card which will be my 1st one, the reason im looking for one is to build up a good credit score so im able to take out a morgage in the future (around 4 to 5 years time), after hearing martins:money: last show on radio 2 a caller was in a posion where she had saved alot…
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Stolen card reading "Default" on credit Report
Hi all, Just looked at my credit report on Experian and noticed a "EGG BANKING PLC" reading default for £608. This card was reported stolen a few years back & I had dialogue with them at the time. I reported in to the police immediately after I found out and gave the crime number to EGG. Are they still allowed to put this…
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Barclays card help please...
I have a barclays credit card, the limit is £400. My balance last month was something like £395.00. I can only manage to pay the minimum payment at the moment. Only I got a bill this month and ive been charge £25.00 "interest and charges", which they have added onto my £395.00. Taking me over the limit. Now I owe god knows…
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Credit Cards - Definition of 'Default'
Hi all, May seem like a foolish question, but if the interest applied to my card balance places me over-limit one month, am I in 'default' even though that over-limit amount is included in the next minimum payment due ? My card provider has pulled my credit (and demanded full settlement of the outstanding amount) based on…
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To transfer or not?
Following our wedding & honeymoon last year we now have the following CC situation. Virgin limit 10000 / balance 8900 (3785 @ 0% until March 2010 then 18.9%, rest @ 0% until June 2010 then 18.9%) Halifax limit 11000 / balance 2475 (2000 @ 0% until June 2010, rest @ 14.9%) Barclaycard Simplicity limit 3980 / balance of 805…
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Playing catch up all the time
Can somebody help me with the understanding on online statements. I've a Barclaycard account where I can access online and see the current outstanding. When the statement is produced its not entirely clear what is payable. I.E. On a paper statement there is an amount due to be paid by a certain date to settle in full.…
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Can i ask a CC company for a payment break?
It would help me very much to have a break of between 3-6 months on one of my cards. I have had the card for years and never missed a payment or even had a late payment. I would use the time to pay off another debt which would free up more monthly money to help repay the CC. Is this possible (i think i saw a letter…
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Halifax help please
I have missed a payment on my card this month (thought I had inadvertently deleted my direct debit online when I was clearing old unused ones). HSBC charged me £25 for the privilege of sending it back to Halifax. Have a statement and letter from Halifax today saying that they have charged me £12 for an unpaid item, £13.26…
