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Freezing credit card payments if not employed anymore?
Hi guys, basically I'm hoping to move away by march and start a new life up north. I owe Halifax 2k on my credit card, interest rate is about 29% and my credit score isn't great, I've been refused a loan from them in the past and a card from Barclay's with 0% which would have done nicely. Just wondering, would they freeze…
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CC fraud madness
I have just had our cards stopped because the bank's systems detected a fraudulant online payment of £3. So we now have no cards for over Christmas & NY. Brilliant! Apparently all the fraudster got hold of was the 16 digit no., the expiry date and the 3 digit security code, i.e. information available to any random waitress…
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Minimum payment question
Ok so i am new to this as my payments are set up with my direct debit. GF is awaiting her bank details and with being xmas not planning on them coming soon. She has a cap one progress card and she told them she would pay over the phone. Now the query is this. Say my minimum payment is £5 and i pay £50 on the payment date…
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Clear Credit Card with Overdraft...
Hi, Currently have access to over £3k overdraft but not being used... I have two credit cards - high apr 30/35% ish... (bad times lol) with a balance of around £1500 altogether.... rather than pay a bit to each every month, I am considering clearing both cards with the overdraft and paying this back... main issue,…
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The importance of internal scoring demonstrated?
I joined a big high street bank in April. My basic credit profile is that I am a 22 year old male, no mortgage, 14k student debt (SLC post 99), £1000 interest free overdraft, £750 limit split between two credit cards. Working for the bank meant I had to open a bank account with them. I applied for one of the better…
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no credit card but yes to a personal loan
I have a loan with my bank been paying it as my agreement requires never missed a payment blah blah blah. i also have a vanquis card to build up my credit rating. Around 6 months into my vanquis use my credit limit went up and I though i must be doing something right. another 6 months passed and I decided to apply to my…
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Credit card penalties
Hi, New here.... I have a Virgin Credit Card with x months interest free on balance transfers that is due to finish in Apr 2011. I regularly make payments around the 20th of each month when I get paid. I have just noticed that they (Virgin) have charged me for a late payment and reinstated the interest charges on the…
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card charge
Is it legal for a retailer to charge 50p for every card transaction weth oer local shop does this it just seems excesive
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Anyone Signed Upto Lloyds TSB ClickSafe??
Is The Service Any Good? Would I Still Be Able To Use Paypal? Cheers
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Credit Card limits and Credit Score
Hi, I was just wondering if my credit card limits have anything to do with my Credit score? At the moment I have £500 on a credit card and a £2000 overdraft, I have reduced my credit card by £1000 in 3 months. I recently applied for a tesco credit card to transfer my balance from my current credit card (with Natwest) to…
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credit card limit slashed.
hi all, have been reading this has happened to a lot of people recently, and has happened to me by both bos and barclaycard this month.Checked credit rating and noticed a late payment recorded by capital one just before i closed it.Is this the reason they have done this to my limits, didnt have very big balances on them…
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Closing a paid off Credit Card
Hi, I've got an old CC that I used for 0% balance transfer. I paid off the balance before the end of 0% period, and now I still have the card with the available credit. I just got a letter asking if I still wanted to keep the card. Should I close the account or keep the credit available? I don't really need the card btw.…
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0% Balance Transfer Credit Card Application
Hi, I'm after a 0% balance transfer credit card, to move £1500 from one card and £1000 from another to. I've just checked my credit score, I'm in the fair category, 864, 16 away from Good. I haven't applied for anything for around 6 months, but my score has been checked once by an insurance broker. I really don't want to…
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Balance transfers for idiots
Hi all I have read up on balance transfers a few times but all guides assume more knowledge than I've got. Crucially, the one thing I can't figure out is can all types of balance be transferred. In my case I am asking because I want to switch from a credit card I opened very recently, and for some reason I can't find any…
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Cash advance on a credit card
Hi all, Just need some help please, I had to use my credit card to withdraw cash - it was an emergency and I didn't have a choice. My old debit card was subject to fraud, replacement has not arrived, I got stuck in the snow over the weekend and either had to take a taxi or stay at a hotel. The taxi driver would not take me…
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CAB advising me to stop paying CC
Hi there all, I don't want to belittle any advice that was given to me today at the CAB, im just wanting to check that its the right advice as i dont want to get further into trouble. I have a debt of £2000 with HSBC and my account is closed as a result of asking for a drop in my interest. Interest sits at 24.9% and with…
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Re: Balance Transfer- New card help please not done before
Hi people, Have to sort out a new card soon as really looking for interest free period in which to repay c/card. I have a balance of £2000 and can afford to pay £250 off each mth if not more for time being. The limit is £4k but Halifax ended the interest free period ages ago and the apr is about 15%. I was declared…
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gift cards r they purchases??
if you buy a gift card/vouchers at a shop with a credit card is that a purchase or a cash advance?? i was planning on buying some debenhams vouchers, i even have a debenhams mastercard.... anyone brought debs giftcards on a card before?
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a credit card that is not Visa or Mastercard
Hello, does anyone know a credit card that is not Visa or Mastercard operated?
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Good Bye 2010 (Good Bye Debt) Hello 2011 (Hello Debt-Free) - A New Years Resolution
As we draw closer to the end of the 2010 (and lists begin to form) I thought it would be fitting to start a thread on wishes and desires of 2011. I will start off by saying, for 2011, I really want to clear my £9500 CC debt (thank you 2010:eek:) and also: 1. Apply for a new credit card with a healthier credit limit and APR…
