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HSBC MasterCard: Should I stay or should I go?
Hi I have had my HSBC MasterCard since I opened my current account with HSBC in 1998. The rate on the card is 16.9%, which I believe is quite high. I only use the card in situations where a credit card saves a lot of hassle, e.g. unexpected expense (car repairs), expense whilst abroad (mainland Europe), high value…
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Debenhams/Santander credit card
Hi, not sure if this is the right place to post. In October a Debenhams/Santander credit card statement was received at my address. It was addressed to someone that I'd never heard of and that has never lived at the address. I opened the envelope as the Debenhams logo was displayed and I do have a Debenhams account. I…
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Barclaycard Increase ?
I have a Lloyds TSB Duo Amex limit £2600 and a Barclaycard Initial limit £400, both these are paid off in full each month by Direct Debit, I use my Barclaycard to get the freedom rewards and I find the limit of £400 a bit tight. I want to increase the limit and went on to the screen to do this on Barclaycard but chickened…
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CC application: info on other CCs
In the next few weeks I'll be applying for a new credit card. I have checked my credit report from CreditExpert/Experian and noticed that the information on my current credit card is not up to date. Let's say my balance is £500 - Experian says it's £1,000. I understand why this happens but I don't know what to write in the…
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Natwest credit card for a second time - BT required
Hi there, I previously had a credit card with Natwest - probably about a year or 2 ago. I have a balance transfer that needs sorting around March and currently have Virgin and Barclays credit cards. Was thinking of trying to get another natwest credit card to transfer to... will they let me? Current acct is still with them…
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MBNA charges despite clear balance
Hello, last month I cleared my MBNA credit card and cancelled my direct debit (with my bank). Today I received a statement showing a £12 charge incurred for an unpaid direct debit. I called up to query and was told this charge was made because I didn't notify them I'd cancelled my direct debit despite them admitting my…
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Challenge credit card interest rate hikes?
Hi all I've already posted on the DFW forum having accepted that I've been overspending for way too long and have had some great support and advice on how to turn this around. My question is this: Is it possible to challenge rate hikes and roll back to an earlier more reasonable percentage rate? I don't recall receiving…
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Virgin Promo offer, transfer out then back?
I have a virgin card with 0% about to expire. If I look at my promo offers they are offering 0% until Dec 2011 on new balance transfers. I have a Tesco card with a zero balance. Could I get away with moving all to Tesco then back to Virgin right away to take advantage of the offer? Thanks
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Moving to USA for 5 months
Hi All, In January I'm moving abroad for 5 months and I'm trying to figure out which will be the best way to manage my money. I'm going to be living off savings. At the moment I have them in a high interest account and just move it into my Natwest current account as and when I need it. I remember years ago Nationwide used…
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How to get experian report without signing up
Hi All, Not sure if this is the right forum, but basically i want to get my experian credit report, but there doesn't seem to be a way of doing it without signing up for a monthly charge? Can anyone advise how to do it?
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MBNA Platinum
Hi everyone. I have had a Vanquis card for 18 months - gone from £500 to £1750 limit (and to the "gold" card - woo haha!). Never missed a payment, pay by direct debit blah blah. Anyway, I thought today would be the day to try and transfer the balance (£1000) to a more mainstream card. I applied for the MBNA Platinum 16.9%…
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How long before credit report update?
Hey, Merry Christmas! I cancelled my credit card last week. How long is it typically before it shows up on your credit report and cancelled?
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Tips for improving credit rating
Hello, I was looking for some advice from anyone that has some :) I'm looking to improve my credit rating to eventually buy a house, I do not have bad debt but I didn't use any credit at all until I was 23 and I'm 26 now. I have now got 4 empty credit cards with a reasonable APR (15-20%). I couldn't find much advise on how…
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Credit File Impacted by Egg
Hi everyone Interested in your thoughts on this and any advice. I may have posted to the wrong forum - if so I apologise. I have an Egg card and earlier this year was late for a payment. When Egg contacted me I mentioned that my circumstances had changed with my wife and I having had a baby (and that she was on maternity…
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Egg account and direct debit
We cleared off my husband's Egg card about a month ago. I cancelled the direct debit and today we got a letter in saying that we need to have a direct debit set up, even if we have nothing owing on the account. We have actually overpaid and have over £60 credit on the account. Do I need to write to them to ask them to…
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NATWEST payment protection insurance
Can anyone offer me any advice on this please ??? In June of this year, my employment contract was not renewed. I'd worked in my department for just under a year. At the start of November I requested that Natwest send me the forms so that I could utilise the payment protection I have paid for, for my Mastercard. (June -…
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Refund to credit card I no longer use
I used a credit card to buy a plane ticket for a flight that was cancelled this week due to the snow. The airline says they will refund the money to the credit card I used to buy the ticket, but I no longer have that credit card account. Can I ask them to refund the money to a different credit card?
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Credit card questions
Credit card limit Does it usually match your monthly salary more or less (before tax, NI, etc...)? Type of credit card I have an overdraft which I hardly used, so I guess I will have 'limited' credit history or 'next to none' credit history. What is my chances of getting a credit card that doesn't have a high interest rate…
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how long for non-delivery of airmail?
A few quick questions. I'm awaiting an airmail package from a retailer that's sending it from Hong Kong/China, ordered in Novemeber. I paid via paypal on their website. There are clearly delays in this country due to snow. The retailer is answering emails and has given me a tracking number than I can keep checking on-line.…
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Managing juggling credit cards - practical tips?
Hi Husband & I started using interest free credit cards last year to help with budgeting and also to split "spending money" outlay, rather than one of us buy something and then ask the other for money etc. However we now have a Sainsbury's card that is not interest free but does gain us nectar points so we are using it for…
