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Santander/GE Capitol Bank or whatever they were!
Excuse my tone, ive just spent 30 minutes of my life getting nowhere! Not even sure this is the right board!...but please read to the end before you decide :-) Ok, I had a store card yonks ago with New Look, it was all done through GE Capitol Bank and I used to pay over the automated line each month (and yes I did have…
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banks
If you have a credit card with your bank and you have missed a payment can they just take the money out of your account?
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Credit card - interest free deal
Hi, excuse my ignornace...but I've just got applied for a Halifax credit card with interest free deal for 10 months which seemed pretty good to me. Now silly question time...could I in theory max it out immediately up to my credit limit and then in 10 months from now, pay the entire balance in one pop or do they expect a…
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Asda don't want me
I've just had a letter about my Asda credit card. Because I have not used it for a year they are going to cancel it unless I use it in the next 30 days:(. Oh well, their loss, they should not have reduced the petrol discount to 1p per litre, at least at Tesco it is 1 point per £1, not litre and I also get cashback with my…
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have I been accepted?
Hello, sorry if this question has been asked before, I applied for a vanquis card online on the 23rd of May and received an email with the terms and conditions, stating that the receipt of these did not mean I had been accepted. I have just had a telephone call from a lady at Vanquis, asking for my address, date of birth,…
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Credit Card balance settlement
Hi, does anyone have or know of any tips or examples on how to negotiate a discount on my account if I were in a position to clear most of it? I have spoken with Barclaycard who are adamant that they do not offer settlement figures, does anyone know different?
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please help advice following a death ....
Hi my dad passed away in october and had a argos and homebase card i think there was a total amount of about £1500 owing on them. He has left no money etc...my mum is financially struggling and they are saying my mum is liable to pay these?? she never signed anything and dad had no ppi or anything.....someone has also said…
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Getting a Credit card in my circumstances....
hey everyone, I have recently finally learnt the grasp of credit cards and what the best strategy is to do for creating a good credit rating! But the problem is i have not history! I graduated uni last summer, completely debt free(no student loan), i am now currently full time employed and live at home! The bills i've only…
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Sainsbury's credit card rejection – shall I apply again?
I was turned down a couple of months ago for a Sainsbury's credit card. I want it for the double nectar points as we do all our food shopping there and will often get petrol and electricals from there too. I was turned down, and as I've never missed a payment on my mobile phone or contact lenses (the only credit contracts…
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Barclaycard call real or scam?
My Mum got an automated message telephone call yesterday afternoon at 17:40 and again this morning which was supposed to be from Barclaycard. It stated that they wanted her to contact them on the following telephone number 00442071506686. They did provide a 0845 number but I didn't get it wrote down in time. The telephone…
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Credit Card Interest Rates
I currently have basic Capital One CC with a limit of £500 and an interest rate of 34.080%. I have had the Card since 2006 and in that time I have had one late payment which was in 2006. I have a good credit file, but I am always turned down for mainstream credit, I think this is because of the wife's file, so I am…
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Help please! Bad credit
I need a credit card or loan, i earn enough money - £21500 pa, but my credit rating is awful. I've had a CCJ in the past. Has anyone been in this situation? what did you do? I can pay the cash back in July/August. I need max £1000 Please help!
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Address Change
One of my customers asked me one question but I'm not sure abut the answer: "i recently changed my address and i called bank to change billing address.from now for online orders i have to enter new billing address or i have to wait 1 more month till my bank update their files" i have to say enter your old billing address ?
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BT from card in different name??
Can i do a balance transfer from my partners (Lloyds) CC to my (Virgin) CC.? or does a blance transfer have to be between cards in the same name? (we are not registered at the same address either) Thanks :)
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MSE News: Don't ruin balance transfer savings by foolishly spending
This is the discussion thread for the following MSE News Story: "Cheap balance transfer credit cards are back in vogue but millions still don't know how to use one properly which has cost them hundreds of pounds a year ..." Read the full story: Don't ruin balance transfer savings by foolishly spending
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cancel my credit card??
hi i am just wondering if it is best to cancel my credit card once i have paid the £180 i still owe on it, i have being told this can be a bad thing on your credit scoring, and i dont want risk doing that as i am trying to build my credit rating/score. also i have a littlewoods account, paid off all together, but not…
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Overseas Card Balance Transfer
Hi, does anyone know whether it is possible to transfer a balance from a HSBC visa/mastercard taken out with HSBC in Dubai, to a UK credit card?
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How do Credit Card Limit Increases work ?
I am just wondering how the credit limit increases work ?, as say I apply for a card now and they ask all my details including income, and say I then get approved for a card with a £2000 limit, in six months that’s increased say to £2600, £3000 in a year etc. Now in that time I could have changed jobs, have a higher or…
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Credit card to take on holiday
I am getting married in Tobago and then going on my honeymoon to Las Vegas and Hawaii. Which cc should I take with me? I already have a santander card not the zero one though and this is for bt. I have a virgin cc which has no credit on it which I was planning to use. I also have a nationwide flex account and cashbuilder…
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Reapplying for credit cards
I have recently cancelled my barclaycard and capital one ccs. Next April I will need cards to bt onto at a 0% rate - how long do I need to wait till I can reapply? Also I still have a Virgin card which someone told me not to cancel as its hard to then reapply. Is this true?
