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Credit limits
We are planning to apply for a 0% purchases card to buy a car for £4000-£5000; we are going to pay half off in a lump straightaway (or within a couple of months - waiting for my grandma's estate to be finalised) and then pay the rest off over a year. The problem is we need a £5000 limit to do this; is there any way to find…
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Refund for Scams
I have very foolishly been caught out by an American co selling holidays. I was charged for the taxes for a "free" 2 week holiday. I put this on my M&S Mastercard. Now I've tried getting a refund from the co as I have a phone No for them , they tell me I will be called back but they never do. Have phoned M&S and they say…
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Juggling credit cards - advice please
Ok here is the scenario - does it work? A small business has two credit cards and a supplier to pay: Credit Card A is maxed out at £5000 29.9% interest Credit Card B is maxed out at £5000 20.7% interest Cash in bank £5000 Supplier due £5000 Instead of using cash in bank to pay supplier... If the cash in bank is used to pay…
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Barclay's Initial card
Hi. Having recently moved into a flat, paying a huge deposit and other expenses, it's now time for my M.0.T. I'm expecting a bill for around £200-£300 and can no way fit that into my budget. Firstly I applied for the tesco 0% card and got turned down so went through credit expert and their search matched me with the…
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HSBC Gold Card - Visa
Hi, I hold a hsbc gold card, and have not been using for a while now as I use other credit cards. If the HSBC card is inactive for a certain period will I be charged? I am holding on to this card for emergency usage and the fact that I have had this for a very long time. Cheers
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Ppi
Ive had 6 seperate phone calls in 2 weeks saying that i can get compensation if i have had a loan!! Has anybody had more than that?????
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Victim of card fraud! - HSBC-
I have found out today that some **** has got my card detailssome how. The bank phones me asking to ring them bak urgently, so I did, they tell me that they have stoped an online transaction for about 50p and have canceled my bank card and will send me a new one. After going in the bank I then find out that they have taken…
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overdraft and balance transfer
Can I get a credit card on 0% balance transfer by transferring my overdraft balance?? Overdraft currently £1750 and i'm paying approx £25 per month on interest. Would love to try and lower my debt my cutting out the interest and using it to pay off the debt. Please help me!!!! Emma x
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balance transfer & loan... help!
Okay quite simply i'm overwhelmed and confused! I have been researching for days on what my best plan of action should be with regards to paying off debts to no avail... i need your help! In simple terms i owe: £5,500 total on credit cards and £2,000 overdraft and unfortunately I also need another £650 next month as i have…
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First Credit Card
Im wanting to get a credit card to improve my credit rating. Never had one before so I don’t want to abuse it. All I really want to do is buy perhaps a tank of petrol or some food shopping and pay it back at the end of the each month. Can anyone recommend a good credit card that would suit my current situation?
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Acceptable score for 0% deals
I have a 0% deal with Virgin (MBNA) which ends around now and the new APR will be 25%. My credit score (experian) is 839 which is listed as fair. Do you think I will be able to get another 0% deal anywhere or do you need a score of excellent to get such a deal? It is a real pain as the payments will be crippling as I owe…
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Credit Card Advice
Hi First time poster, but looked through quite a bit before. After some advice. I owe approx 13k on credit cards from a previous relationship gone sour. The interest has been frozen on them all, and I'm paying £180 p/m towards paying them off, but with the amount I owe this is going to take me 10years to repay the largest…
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Can I ask santander to freeze interest on relatively low debt?
Hello there, Many apologies if this has been asked before, but I've googled all over and can only find answers which apply to extreme cases.. Basically I am an (unfortunately) unemployed single mother, I AM looking for work but never seem to get a response to ones I apply for, and have three main debts with banks: £2000…
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Amex reduces credit 24 hours after I add cash
I have an Amex card. It has a £2,000 of credit, I leave it at around £1,900 - paying off the minimum balance each month. I normally put more than the minimum balance back on the card so I can pay bills and any goods online (credit card protection). A few days ago I put on £550, it appeared almost straight away - the…
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Should I be worried about my credit report?
I was applying for a Debenhams store card (and did not want a credit card) but was refused. I went instore and online as well. Debenhams have stated: "After reviewing your details, we are unable to open an account for you at this time. You can find an explanation of the decision by downloading the document below. It will…
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credit score
looking for a bit of genral advice. Would 8 credit searches in the past year four being in the past 6 months severly effect my credit score in the long run? or is it mostly the past 6 months creditors look at and after that are they overlooked by creditors as such? thankyou for any help.
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Should i cancel my old card?
Hello! ...I currently have 3 credit cards (one of which is a rewards card that i just took out). My question is: if I’m not using all my credit cards regularly is it better to cancel one or leave them all open?? The cards i have are: 1 - With my main bank, which i use now and again for big purchases. 2 - I took out a year…
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increasing my credit score. HELP!!!
Hey folks, Dont know if this is in the right section of the forums or no but I couldnt find a section discussing credit reports. Anyhoo, I have a "poor" credit rating (the score is in the 600's), and I am trying to up my score and sort out all my financial problems that i have caused myself due to my "wild" living in the…
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double balance transfer
does anyone know if you can transfer a balance from one card to another. then use the original card to make a new purchase and then transfer that balance aswell? thus doing 2 balance transfers (staying within the limits) but from the same card!? thanks
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using a balance transfer card for purchases
Hi, my virgin card has a new promo rate (0% for 6 months) on it for balance transfers so here's my scenario. The rule of thumb is not to use a balance transfer card for purchases, but virgin state that the higher interest rate attracting balance is paid off first. I have a reasonable limit on and want to make use of it. If…
