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Credit Rating question
Hi everyone, I'm new to the forum so please forgive me or feel free to move if i've posted in the wrong place! I'm currently in a bit of a pickle. I'm 21 years old and in full-time employment (with my current employer for nearly 4 years). I've been obsessively watching the property market in my area and have managed to…
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Does "Household Income" on credit card applications include parents income?
Living with my parents, just wondering if under the "household income" section I should put my income or my parents + mine.
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Tricked into getting a Debenhams credit card, are employees on commission?
When purchasing some pillows I was asked if I wanted a 'store card' and I could get 10% off today's purchase. I said yes and was then asked a series of questions about my address, employment status etc. which I thought was OTT but since she'd already swiped my current credit card I assumed these were just necessary details…
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Credit card charges for internet purchase from USA
I am just about to sign up to an online back up service and it charges in US dollars. Will there be any charges/fees from using a credit card (Nationwide) or is it better to use a debit card? Many thanks
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Balance Transfer Basic Info needed
Apologies in advance for my ignorance with the following basics questions regarding balance transfers. Once a balance has been transferred, will there be regular monthly statements with a minimum amount to pay for the duration or does nothing happen until after the 12 or 15 month period whereby statements payments then…
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Late Charges?
Just wondering if anyone has any advice... I am rubbish with my finances but have decided that now is the time that I pulled myself together and sorted it all out. I have a credit card with my bank which I haven't used for years and is always over its limit. The thing is the bank automatically take out money from my…
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Urgent help needed for my Mum ... Got letter told she owes £15k which she doesn't
As thread title. My Mum got a letter saying she owes £15k on a barclay card which she apparantly took out in 1990. Letter was from Morgan solicitors. Apparantly theyve tried contacting her for ages but this is the first contact. They said my Mum has got a CCJ on her file now because of it. Rang them up as a thought it my…
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Capital One & Equifax
Hi Applied for a Capital One credit card and got my card about 2 weeks later. Signed up for the 2 free Equifax credit reports and Identity watch. Just got an email saying there has been a change to my credit file. Just checked, and an old (Defaulted) account has just been deleted, I have been stressing about it for a…
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Egg card or Egg money?
I was thinking about applying for an Egg credit card, as it is issued by Citi and they have been good to me opening full current accounts and even giving a cheque guarantee card. What Egg card is best. I am not interested in cashback, but the no fee balance transfer of Egg money to a current account looks attractive to me…
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Balance transfers
wanting to do a balance transfer on my credit cards i have a very good credit rating]but because my income is low less than £10.000 i cant transfer i am just short of that fiqure would i be able to get it or not thanks littleles
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Business Credit Card
Is there a business credit card with no fee and a rewards programme?
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Credit card or not for wedding purchases?
Hiya, i've recently become engaged and am starting to plan the wedding. The venue we like require a 2k deposit to book and my bank has advised that i should get a credit card to pay this as it will then be covered should anything happen. So my qustion is would it be advisable to get a credit card pay the balance in full…
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cca egg dispute
before i start, i've posted on these forums before, please, please if you've come to give me the moral high ground of 'pay your debts', 'you borrowed it' etc, without knowing anything about me or my situation, then p**s off, don't wanna hear it, go and be an unhelpful ar***le somewhere else thank you, to all you helpful…
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Nationwide Credit Card new DDR problem
Nationwide customer services tell me Nationwide have meddled with their IT systems to ensure direct debits which have not been used for a long time are wiped off their system. Unfortunately the programmers' hard work has resulted in any brand new direct debit instructions being wiped off the system, too. So you might find…
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Help wanted
After a financial hiccup we have arrived at owing 2 card companies a total of 28k, has anyone had experience of negotiating with card companies to significantly reduce the interest rates so that we can repay them with out using an IVA?
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How regular do Virgin mbna have existing customer 0% offers?
Hubby will be transfering balance from virgin mbna to Egg but will still have £2400 on a Halifax one which is coming to end of 0%. How likely is it that when his balance is nil with Virgin mbna he will be quickly offered an existing customer 0% offer? Could he apply for a Virgin money master card whilst holding a Virgin…
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What Credit Card should I Get
Hello there all I am wanting to get a credit card to make my credit score better. I dont think I have one at the mo. I'm not in any debts apart from my mortgage which I am starting to over pay on. I earn about 10k per year, and just looking for the best one for both myself and my wife.. (she looks after our daughter) and…
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Mint. Changing the goalposts?
Hi I just wondered if anyone had any experience of challenging APR increases under the following circumstances. Mint reduced my credit limit quite significantly about five months ago. I have high outstanding debts, though a perfect payment record, and under the current circumstances I can understand the decision. The…
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Store card...
Hi new here basically in June , I got a Burton card, bought stuff and paid it the next week or so. I'm still cluEless about credit cards( yea why did I apply? anyway I'm planning to use the card again, it says it's got 29.9% apr. Say fo example, I bought 70£ worth of items, how much interest would I pay? And there is no…
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Transfer overdraft to a credit card??
does anyone know if i can get a credit card with (X) amount of months intrest free and transfer my overdraft onto it? if so which are the best places with the most amount of free months? thanks
