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What Next?
Hi there, I was made bankrupt in may 2005, This will come off my file in may, I have a vanquis which was opened in january 2010, Littlewoods that was opened in the may 2010. I have been running these accounts perfectly but wondered if its worth applying for any other credit cards or to leave it till the bankruptcy falls…
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The Nations Credit Card - must I pay? (I was never an authorised cardholder!)
Am I alone in thinking that every time I have seen G Osborne on the box lately, he has been on about paying off "the Nations Credit Card"? If I am to understand him correctly he is suggesting that I need to contribute but I have never been an authorised cardholder and I don't remember signing any credit agreement. Worse…
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Best way to use my card
I have no problem with my credit card, balance is paid off by DD every month. But is it bad or worse for my credit history to use more of my credit? I have a 4.5k limit and usually don't spend more than 500 a month but went to 2.2k over Xmas, is that terribly naughty?
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Next and their ever fluctuating credit limits...
I have been a victim of this, to which Next are blaming too many searches (even though 2/3 have dropped off) and two defualts have been removed (same default duplicated). Went from £150 credit limit to zero! After four months of good payments paid a day or two after statement date. So annoyed and makes you feel like your a…
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Holiday balance by credit card
Good afternoon all, I have to pay the remaining balance of my holiday at the end of the month, the total remaining is £659.00. I wasnt sure whether it is better to pay for this on the credit card, which incurs a 2.5% charge (£16+) or on my debit card which has no charge. The reason I am usure is because as I understand…
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How to work out the interest i may acrew
To Forum; Can anyone tell me how to work out interest? if something says 3% AER, how would i work that out saying i put £1000 somewhere and didnt add or take away from that amount, only acrewed interest on it
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Never had a credit card before...
But i need some furniture for my son's bedroom and i've found a set on argos. They had a credit card which states that 'No interest will be charged if you pay the cash price before the payment date shown on your next statement. Typical 29.9 % APR variable. ' I've never understood credit cards, so does that mean as long as…
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Confused - Gd credit, refused CCs
Hi, Can anyone please advise? My husband and I are going abroad, so following MSEs advice for overseas spending, my husband and I applied for a Halifax Clarity CC, (we both meet the criteria in terms of salary etc) we were both rejected. We then both applied for a Nationwide CC, and were both rejected again. We have a…
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debit card
Going to france for hols again this year but Nationwide started charging to use debit cards, which always used in supermarket. Is there any alternatives, don't mind online banking but don't want credit card:)
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Credit Card Balance Transfer Question
Hi Guys, Just managed to get the Barclay Card 17 month 0% BT offer. I am transferring balance from Capital One. I work away from home a lot and pay my expenses up front and claim back from my employer monthly so I am generally out of pocket. With the new card I have got, is it possible for me to use it for my expenses…
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Balance transfer - any bright ideas?
Hi Have been stupid and wondered if anyone can help with my predicament? I wanted to transfer the balance of my Egg card (£3440) to Barclaycard. So I went on to Barclaycards website, and tried to do the transfer - got right through to the end but it said there was an error. So I tried again, this time it said I could only…
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NatWest Your points
Hi guys, does anyone here collect Yourpoints with NatWest credit card? Do they ever have special offers on points? ie-you could collect extra points this month or double points this month or anything? Theoreticaly the rewards work out the same as M&S card, but practicaly I get loads of extra points at M&S so just wondering…
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Search/account on credit report - card with no search?
I've recently applied for and received a Nat West credit card (I also bank with them). The account itself hasn't appeared on my credit report yet, which is presumably because it's new. Interestingly though, no search has appeared on my report either. Do these normally appear straight away? Is it possible that I've been…
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MBNA super balance transfer to someone else's bank account
Hi Can I super balance transfer from an MBNA credit card to someone else's bank account. It only gives me the option of sort code and account number. You don't need the name as well do you? Thanks
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First Credit Card with bad credit.
Hey posters, This is my first time posting on this site so hopefully not repeating a post thats been discussed. Basiclly i'm a stay at home mum, with hardly any credit. I've never had a credit card or anything like that. I have general bills coming out of my account and some have been paid late. I do also have a catalouge…
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Will credit card companies offer a lower apr?
I had 5 credit cards, weve paid off 4 of them, asda (Santander), virgin (MBNA), lloyds and capital one We have M&S left (with £2700 left on it) The total credit limit on all 5 cards is £16,000 Now I am interested in the MBNA lifetime low balance APR to move the M&S one too (I wouldnt be able to get Barlcays as I dont earn…
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Best card for purchases in the US
Morning, I've been purchasing many items over the internet in the US as it's been much cheaper. As my current card is charging me a fee for the priveledge, what options are out there for a fee free purchases abroad? Thanks
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Natwest CC - Payment hierachy (effective date) confusion
Hi, I recall receiving a Notice of Variation for my Natwest CC some time in November, but have misplaced it. I can't find the notice, but recall (from memory) that the new payment hierachy will be on 1 January 2011. However, on the story "Credit Card Payment Trap ends" it says "RBS/Natwest: January (dependent on statement…
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Natwest cc
I applied for a natwest cc as the online banking showed i may qualify. The guy tells me that natwest do not offer any ppi on their cards at present just on loans etc. Not a bad thing as I just want to use it for small purchases online but when the amount was approved it way more than I expected and they assured me i could…
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Barclaycard BT Help
So I applied for the BT Barclaycard, got accepted etc. One BT went through fine, one has not, although both are showing on the account. I rang Barclaycard after the 8 working days and it hadn't hit the account, they originally said it was fine, then she changed her mind and said there has been an internal error. So she…
