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Options re Barclaycard 5% interest rate rise
Hi all I have received my latest Barclaycard statement advising me that they are putting up the interest rate on my card from 17.9% to 22.9%. Apparently, though, I am "in control" and whilst they "would love" me to "stay with Barclaycard" I "may prefer to close" my "account because of this change". They say that if I…
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Credit rating as 2nd hard holder
Hi I was just reading the news letter sent recently and it says 2nd card holders do not the same right as the main card holder. A bit scary fact to learn as I am the 2nd card holder but I need to start building up my credit rating can I do that being the 2nd card holder? Or should really get my own card?
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Credit Card Application
Hi there, I recently applied for a Vanquis Credit Card as ive been reading a lot about the chances to repair my credit rating and have been making positive steps to do such that. I had been close to a month since my application and i have not been contacted by Vanquis but i was contacted twice this week by a third party…
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useing cc for holliday and spends
i want to pay for my holliday and spends on a credit card do i just get a spending credit card or do i need a special one??? please help i dont want to be stung with charges.
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Reduction in Credit Limit – Impact on Credit Score?
Hi all, Just noticed yesterday when on Internet Banking that Halifax had reduced my credit limit from approximately £8,500 to £6,500. No warning or anything given. Balance is around £6,000. Just off the phone to them, letter was already on its way to me apparently. They explained they review credit limits every month,…
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Transfer of CC Account to new provider
Hi, On the 21st November 2010 my Citi Financial Credit Card account will be transferred to a new provider CC Asset Management Ltd (this is being imposed on me). I currently have a promotional 'Life of Balance' interest rate on the outstanding balance. Is the new provider able to scrap this promotional rate and charge me…
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Credit cards abroad
Hi im going on holliday i was just wondering what cc would be best for spending abroad?
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Citi card to Opus: Will existing Life of Balance transfer be honoured?
Hi all, Newbie here. I recently received some communication from Citi Card saying that they had sold their CC business to Opus UK, and that from 21st Nov my account would transfer to them. Trouble is, the only reason I have a Citi card (which I took out 2 years ago) was due to an offer at that time of a fixed rate of…
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credit card cash interest
Hi, Can anyone out there explain why . . . paid my Barclaycard off in full in May and since then have been logging complaints with their overseas customer services because they are still charging me interest but they couldnt tell me why - have not spent a penny on it since it was paid off (incidently 6 days before payment…
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Worth getting Halifax Clarity with 21.9% APR?
Hello All, I'm travelling to South Africa in December and applied for a Halifax Clarity card as recommended in the Money Saving Expert travel section. I've been accepted but have been offered a card with an APR of 21.9% rather than the 12.9% that is offered. Not sure why, as I don't have any debts or anything that would…
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Credit Rports and Vanquis
Hi I have had problems in the past with credit, but from March this year everything has been paid and defaults have 'fallen off' (the six year thing), so my credit report show show no signs of defaults or CCJ's. However, I have applied for a couple of loans recently and have been turned down. I still have my old Vanquis…
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Claim for cancelled train travel on credit card
Hi I wonder if someone could help please? I've booked a trip on Eurostar next week to Paris, where I am getting a connecting train to the centre of France. I've just realised that there is industrial action in France at the moment and my connecting train will probably be cancelled. Fortuanately (or not!) Eurostar trains…
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Abusing a balance transfer to my benefit?
I am about to do a blance transfer, unfortunately we have had to dip into the overdraft over the summer with days out for the family etc. If I balance transfer the £800 I need, plus another £300, then will my credit card show a positive balance of £300? At which point I will shut down the card and receive a cheque I…
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Balance transfer to Natwest CC
Hi I have recently opened a Natwest Platinum cc with 0% on balance transfers for 15 months. I transferred balance from my Virgin card. I have since spent on Virgin card. Can i transfer the Virgin balance again ? Not sure how it works when transferring from same card twice. Thanks
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bt credit card
ive just got a bt credit card with 3 months free interest on purchases, £40 off my bt bill and everytime i spend i get money off my bt bill, as its free to get one i thought i might have been mentioned somewhere on this site, apologies if it has been mentioned but just thought i would point it out
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First credit card?
Hey - Just looking for some help; Basically I don't currently have a credit card but I am looking to get one as a way of improving my credit scoring? I am 23, working full time on a decent salary, I am getting married in December so was hoping to use the credit card to pay for larger items and then pay it off in full. I…
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Help with credit report
Help!!!!!!! I cancelled my credit card with Barclaycard a few months ago...at least, I thought I had. I then got a bill which had a fine for non payment. Turned out that something like a couple of quid left (interest for the month despite paying it off to zero). I had a charge for nineteen quid...so I phoned up customer…
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newbie question on credit report/score/notes
Basically, my bank told me I had adverse credit information/ notes on my credit score so I signed up with experian and read what was on on file. It looks like there are two notes with a status of 'default' - one from C L FINANCE LTD from 2007 for 160 pounds showing as satisfied (I think acting on behalf of my Bank when I…
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Barclaycard?
Barclaycard are offering one of the best deals I can see for my circumstances at the moment but tbh I am put off by the number of threads slating Barclaycard in here. It seems to come under fire more than any other card. Is this just because, for example, it's (one of) the most popular therefore comes in for more criticism…
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12 month 0% free only 50 weeks free
I have a 0% Credit Card which I opened 50 weeks ago and with it being advertised as 12 months at 0% interest silly me thought the 0% interest would end exactly 12 months after applying for the card (I kept a note of the date I applied) and that they would only start charging interest after this. No this in not the case:…
