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What does "monthly spend limit" mean?
I have a BarclayCard business credit card with a "monthly spend limit" of £500. What does this mean? Can I spend £500 per month, or is it just another word for the total credit limit? Thanks for any insight!
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Debt calls
Hi there My daughter has got herself into debt and we are getting ongoing telephone calls and as much as I push her to seek professional help with her debts she is afraid due to the fact she works in the bank. Can she loose her job if she goes onto a debt repayment plan? Can the debtors contact her place or work? Causing…
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Pensioner balance transfer...
My mum has offered to apply for a balance transfer card so I can reduce some card debt. This is great news but I wondered if her age and income might stop any card application? I thought I would ask before we start applying. She is 76 and does have a recently applied for M&S credit card. Yes I have bought her flowers.…
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Dozy Barclaycard making a mountain out of a mole hill
Several months ago my OH and me received letters from Barclaycard saying that if we transferred to their on-line statements we would get £20 of vouchers. So that evening I went on-line and changed both of our billing to on-line. Great, we now get e-mails instead of written statements. BUT, my OH's vouchers arrived a few…
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How long do banks keep your default account history?
I have 6 defaulted accounts from 2007/2008 now i understand after 6yrs from date of default the information is removed from my credit file if paid or not now one of them banks HSBC specifically is one I owe around £900. I am not too bothered by the others Lloyds, Natwest, Vanquis etc but it occurred to me how long by law…
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Balance Transfer HELP!
Hey everybody! Needing a little advice on doing a balance transfer and how it works afterwards. At the moment I have a Bank Of Scotland credit card with a limit of £2500 and available amount of around £25. Last month after having paid £50 payment, I recieved my new statement which showed of that £50, only £2.60 had came of…
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Balance transfers declined
Hello, I have just been turned down for 0% balance transfers by RBS and Egg. The Egg one literally took a split second to say no ... I wondered, do they automatically turn you down if you are self-employed, as I am? I'm on the electoral roll and all payments are up to date on my three credit cards, don't think I've ever…
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Getting money back due to scam?
Hi, (please move the thread if it's not in the right section) Feeling quite silly at the moment but here goes. A few weeks ago I bought some electronic goods from the famous wholesaler in China - alibaba.com (or rather one of its advertisers). This is something I dealt with before with good outcomes. However, this time I…
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Debenhams Card - Wrong Card Sent
My wife applied a few weeks ago for a Debenhams Mastercard online, got accepted with £500 limit, got email confirmation as it being a Credit Card with Card and PIN to follow. Today she gets a Debenhams store card !, phones up and gets someone in india who did not have a clue, said just to close this account and reapply !,…
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What counts as balance transfer?
It might sound silly, but I was just wondering, if you have to pay online credit account outstanding balance (littlewoods, very) with credit card, does that counts as balance transfer or it's just ordinary payment?
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Should I??
hey, finally got my sweaty palms on a CC from my Bank, Santander which gave me a guaranteed acceptance, 0% BT for 16months with no fee and 0% on buys for 3 months. I was also offered card insurance from PPI, £34.99 for for a year with no payment due or interest for 6 months, (i accepted but may well cancel under cooling…
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Should I keep my 'Sub Prime' account open?
Hello! I've had a 'sub prime' credit card with capital one for a few years now, as my credit rating wasn't great at the time. As anyone will know, the interest rate is ridiculous (around 33.3% for me now - I think even higher for new customers!). My credit rating has improved a lot recently as I get a grip on my finances.…
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silver credit card sygma
I had applied for a card a week ago but now i changed my mind is & have phoned to cancel the agreement. I had read bad reports on this company, as i haven't received the card & canceled the agreement which they said they will do i have to when the card arrives destroy it Is this all i need to do & won't have any problems…
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Help Plaease: MBNA Rip off
Can anybody help me. 12 months ago i was in a dire situation but managed just to pay monthly balances to avoid going down a IVA / Bankruptcy route. I have since changed jobs & have more monthly £. I have a large sum of £11000 on a credit card with MBNA, i let them know a year ago i was struggling & the way they helped me…
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getting cash and paying for goods in usa
i have nationwide flex and gold credit card and santander debit card any good for usa
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Assessment due to being unable to pay?
I'm not sure if this is in the right forum, so apologies if it isn't! I've recently lost my job and am currently serving my notice out. I'm currently trying to communicate with my CC Companies to advise them that I'm not going to be able to make the payments this month (or any other month) as I don't have a job, but…
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Capital One & order of repayments
My wife & I use a Capital One card for its 1% cashback. Practically all our spending goes on it & I have always repaid in full every month. Last October I received a leaflet (still got it) detailing the changes to order of repayments. This stated that any payments credited to the a/c after 19th November would pay off the…
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Credit card groups
I am in posession of lots of credit cards aas i do a lot of "tarting" however they all have balances on them. I am looking for a new balance transfer deal but as i have 5 credit cards, i'm not sure which one to go far or what group they all fall under. I have Bank of Scotland, Santander, Virgin, Barclaycard and Capital…
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Bhs
I have an M & S credit card which I use to get points but was persuaded in BHS to take out one of theirs to just use on cardholders day when u get an extra 10% off. I pay this off each time but now received a letter stating that my interest rates will be increased due to the way I manage my account. I know this does not…
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How to build your credit History
Hey all, I want to build up my credit history , this month i will pay off my barclaycard , then shall i apply for a capital one card to build my credit history..?
