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Three Empty Credit Card Accounts - should I close them?
Hi I have 3 recently paid off, empty credit card accounts: Santander £500 limit Santander (again) £500 limit Barclaycard £900 limit I currently have a Halifax credit card with £2,200 outstanding (£2,300 limit) with no special deals. I want transfer my Halifax debt to a cheaper card. Can I do this with my current cards…
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Need some help on which credit card to apply for
Hello helpful peeps. I'm looking at applying for a new credit card 18 months after my HSBC Credit card was closed by them. The current APR on this account is 26 or 27.9% I have been looking at Halifax's Clarity card and wondering whether there is any point in applying. 1stly i've looked at my Equifax report and it is…
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Activ Kapital
I had a letter from Aktiv Capital. I sent the prove it letter to which I got a reply saying that the account is on hold. In the meantime Aktiv Capital have added a Default Notice onto my credit file. The old default from Egg was removed a couple of months ago. Can they add the Default if the account is on hold? Thanks in…
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bizzare behaviour from barclaycard
Is this normal? I had agreed with barclaycard a rate of 11.9% after they tried to put my rate up a few years ago (I've had a card with them 13 years, always paid off at least the minimum payment, never gone over my limit) and then they sneakily put it up recently to 16.9% (they say they sent me a letter but I never saw…
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Best cashback card?
Hi all I always pay off any credit card amount as soon as the bill comes in, so my main reason for having them is really for cashback and convenience. With that in mind, I'm currently looking to see which is the best cashback card out there. I currently have a Barclaycard which gives: 0.25% on spend up to £200 0.35 on…
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RBS - MINT credit card rate increase
Dear All, if you have one of the above, check your statements arriving today! Mine is telling me of a rise from just over 18%apr to 21.66% in the next couple of months. I called MINT, who advised that this is due to reviewing my credit profile - some customers have reduced rates (anyone here getting a reduction??!!) and…
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Is a credit card still valid once it has expired?
We provisionally booked a hotel room in March for our stay in August in France and gave the hotel our credit card number and 3 digit code. Come August we were unable to get to the hotel and the hotel wishes to charges us for the "no show". Our credit card however expired at the end of August and we would like to know…
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CCA Not Received for 11 months...! Please Help..!
Hi All, I sent a letter to MBNA requesting the CCA of my CC. I never received anything in the last 11 months. I did not sign any agreement with MBNA as this CC was sold to MBNA by BOS. I am thinking of sending the second letter now (although I should have sent it after 12+2 days). Can I still send the second letter or this…
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stressed out and ashamed
I own a property in the uk (mortgage) which hopefully it will be sold in 3 months,i got credit cards to pay off with the left over equity but i know i will b 2o,ooo short!!!! the problem it's worse as i live in the EU with my children and own a small property,i phoned national helpline and made a default payment to a…
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Please help - irregular payments from cc to Netbanx bonefish
Hi, can anyone help? I have just seen payments to this company for £14.99 a month. Saw it on the last statement and now twice on this one. I'll need to look back further if also on prior statements. I haev no idea who this is and why taking money from me. The cc company dont know either. The number that is on cc statement…
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Should minimum payment be more than interest charged?
My husband has a Santander credit card and when I looked at the statement this morning I discovered that the minimum payment that is taken by direct debit does not even cover the interest payment so our debt is increasing !!! Is this legal??? I can only find one reference on google to the banking code and I'm not sure if…
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Very unhelpful
Hi (new poster so don't be too harsh!), I have a number of credit cards with low balances on, including one with MBNA. In May I paid off the balance in full and haven't used it since, however there remained a couple of recurring internet subscriptions charged to that card which I had completely forgotten about. I got a…
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Re Shuffling Credit Card Debts Advice Please
Hello I would like to get some help with re shuffling my credit card debts to an introductory card for 0% or I am not sure if I would be better with a certain % on lifetime of the balance. I have been reading up on c cards but figures is not my strong point. So I have 2 credit cards Virgin which is curently sitting at…
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Donations by CC ?
Hi , quick question , If i make a donation by CC Or as a "Gift" is this classed as a "Cash" transaction ? Cheers
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Credit Reference Agencies
Hello everyone. I'm James and at 29 thinking of buying a house in the next few years. I like many in my early 20's got into a financial mess with loans, credit cards and everything. A point came when I wised up and started paying it back and trying to get things right again. Slowly its getting better, but have recently…
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PrePaid Cards
This is probably the dumest question, thinking of getting a Prepard Debit Card to make purchase over the internet. If I charge it for £100 and spend £60 then someone tries to debit £75 from it would that be reject as 'no funds' and if it does go through the systems would the card supplier be liable for the difference in…
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Building credit, Getting out of benefits and Going freelance
A little background on me - the only things on my credit history will be; +A T-Mobile Contract Phone +A couple of pay-day loans paid off on time or early -Card applications declined Now a bit about me, I'm 18 and have bipolar disorder. I've worked since 16 yet had a massive break-down this year; under the community mental…
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Direct debit for minimum payments
Hi I have 2 cards at the minute with balances on 0% (both MBNA). I have always made on time payment online with debit card but am a bit paranoid about missing a payment and voiding the 0% offer. Is it worth setting up a direct debit for the minimum amount and are there any pitfalls / disadvantages of doing this? At the…
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Debit card payment not gone out
I dont know if im in the right forum. I just payed for a tv over the phone after looking at a website, and i got it delivered to my house the very next day. Its been a couple days since iv had my new tv so i thought i would check my balance. It looks like they havnt taken any money out. When i checked the balance on the…
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credit rating and vanquis
hi there i have a question i was needing some help on. i have just got a vanquis card and am planning on using it and paying it off every month to strengthen my credit rating. i know some people say that 18 months of doing so will stand you in good stead to get a card from a mainstream lender. my question is this though. i…
