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Credit Report - Linked Addresses
Can anyone clarify what Linked Addresses are and how they affect the report & lending decisions??? Some how I have 40 on my account, granted 7 of them are the wrong person and this is being sorted. If the company does not appear on the Previous Searches (also confirmed with CRA that no search was done by them) yet appears…
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Balance Transfer between spouses
Can someone please give me a definitive answer on this Can you transfer a balance from a Wife's Card where she is the main account holder, to A Husband's card, where he is the main account holder I tried it with my Santander card and because I'm not the main account holder on both it cannot be done, Yet, I remember Halifax…
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Virgin reduced credit limit can't have it back for 6 months
I have a virgin c/c with a small credit balance on it. I got a letter in September to say my credit limit was £5700. So today decided to do a b/t onto this card but was told my credit limit was £1000. They said, because I hadn't used it, they had reduced the limit. Fine, but then they tell me that I can't reapply for a…
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PayPal good card?
I've not had a credit cards for years, prefering instead to use cash, however decided to give my whole finances a complete makeover and it seems silly to not take advantage of the bonuses from cards. I'm in a decent, reasonably well paid job and intend setting up a DD to pay off the whole amount every month. This seems…
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Long term credit
Hey there everyone. Its come to the point where i now need to switch some debt around as my 0% term has almost come to an end :-( I was reading the article about long term credit, the one with Barclaycard at 6.9% for 3 years. I used the minimum payment calculator and if i have used it correctly its saying that i would be…
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Info needed!! Capital One
I applied for a Capital One credit card on Sunday (03 Oct) and the online application told me instantly that I had been accepted. Only thing I am worried about is that I still owe them money from a previous card took out years ago (around £600) which now has an arrangement in place. Do you think they will still send me…
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Best credit card at present
I am now paying interest on my tesco credit cards so am looking to do a balance tranfer to a different card. what is the best card at present for a low/no balance transfer rate which also includes 0% on new purchases? if there is any?
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Mistake-Used wrong card !! How much will it cost ?
I mistakingly used my credit card to withdraw cash rather than ny debit card. Wish the bank wouldn't make them so damn similar, theyre near enough identical ! Grrrr!!! Anyway last few months I've cleared my balance on the credit card in full, this month was due to be cleared by 11th Oct again in full, but have since spent…
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Tesco credit card, accepted, then rejected.
Earlier tonight I applied for a Tesco credit card online, to take advantage of 13 months interest free to buy some appliances for my new kitchen. I went through the application process, and was accepted, given a credit limit, and just had to 'tick' for my signature, but wanted to check I had definately opted out of any…
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Struggling with credit cards high interest
Ive currently got 3 credit cards and owe around £15000 on them , I took these out with the 0% 12 months interest with the incentive to pay the balances of them after the 12 months interest free period but instead we used the money to buy another house as a buy to let and the plan was to pay around £1000 a month of the…
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advice please
Hi everyone, My partner and I are trying to sort our finances out to move. My question is My partner has approx £5000 in debt on 3 credit cards the interest is stopping us getting on top of paying them off. I have 2 credit cards a capital one card that I haven't used for about a year and has a zero balance and a natwest…
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Credit Card Confusion?
Hi Guys Im 18 and Iv recently had bad problem with my car insurance with getting quotes and also charging an enourmous ammount of intrest for monthly payments, so i looked at this site and founf that using a 0% credit card will be the best way to go :j But i have a problem being my parents have a very very bad credit…
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HSBC Credit card, interest free if....
Hi just a quick simple question here. If I have a HSBC credit card and buy somthing with it online, but then pay it off in the same week, would I be charged any interest or anything at all? cheers.
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Credit card for PhD student
Hi all, I currently have a couple of credit cards which I got a couple of years ago. Their interest free periods are up now, so I am looking for a new one to balance transfer... The problem is thus - I have a very good credit score, and have had no problems in the past obtaining any card or loan I've applied for. However,…
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Creditcard Shuffle Inc. Overdrafts
Hi all, Looking for best advice consolidating the following: 1)Barclaycard - £3110 @ 6.9% for life (however, there is £300 cash advance at the start of this debt at a much higher rate so it needs shifting somewhere, then back again...) 2)BoS Overdraft - £1250 @ £30 per month (it's a fee rather than interest) 3)RBS…
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Confused about Tesco Credit Card and points
Hiya, wondering if someone could clear up for me a question on the Tesco Credit Card. It says * Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world. * Plus, your card doubles as a Clubcard. So when you use your Clubcard Credit Card to pay at Tesco, not only will you get 1…
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Credit Card Debts
Hello I hope i'm posting in the correct place with this. I have read through a lot of the advice guides on the site and i'm feeling a little overwhelmed by all the possible remedies that are available. The situation. £30,000 credit card debts. £300 surplus after doing an income expenditure. Not enough to meet minimum…
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Quick question!
Hi there, Just a real quick question.... My husband is being asked by his company to take a company credit card out and we wondered if he would be credit checked for this. We had a failed iva a few years ago (having pulled the money situ. round now) but we are worried if they decline it it would be because of this. Any…
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Cant pay credit card
Hi all, Basically I have a credit card with a balance of £1100 doesnt seem much at all but I cant pay it! I have had to give up work as i have 1 yr old twins and cant afford the childcare. I am on income support and cant always meet the minimum repayments, so TSB took out £40 from my account to pay it last week which was…
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Account in dispute
According to Banking code 13.4 Account in dispute the credit reference agencies cannot update your credit file. I instigated court procedings for unfair charges on my CC, thus the amount owed was in dispute. I didnt pay the minimum payment as amount on account was in dispute. The FOS have come back and stated that I cannot…
