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Cancel a barcley card affect credit rating?
Hi, new to this forum. Just wondering If I cancel my barcley card and the re apply in 10 months time, would this affect my credit rating by cancelling it? Thank you:money:
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Credit Card Rate DECREASE - Should I request limit decrease??
With all the talk of rate-jacking I thought I'd check my credit card statement to see my rate and to my surprise it has gone down! It is a Halifax card and when I originally took it out in 2008 the rate was 14.9% but having checked back through my statements it was reduced to 12.9% five months back. There is an £8,000…
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e-credit plus
e-credit plus cards are a scam thay promise you instant £1000 credit then wen you get your card eventually you can only use it in there catalogue,,, where the price items are sky high and you still have to pay half the sum of your order up front before you get any goods.. not only that i never even applied to them for this…
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Liverpool FC Credit Card
A few years ago i saw one of these advertised and i saw it again recently is it really worth getting one from that sort of sponser or is it rediculously OTT APR on one as i am considering buying one because i support this team has any one ever got one of these?
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CC to cover car insurance?
Hi guys, I'm looking to get a credit card (Tesco 0%) to pay for my car insurance renewal next month. I try to save but with being back at college (and paying for it £££) plus other stuff I haven't managed to save anything. So... at 21, 1.3 1996 toyota is coming to £650 - £750; paying in full saves me roughly £80. Is it…
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best credit card when travelling?
im going away soon to australia to do a working visa for a year and i wanna be safe in the knowlegde that i have the best credit card for the venture, i used debit and credit cards when i live in portugal only to return after a season of work to see the horrible costs ive amounted!! i think the best is the halifax clarity…
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Tesco Clubcard 0% 13 Months - Need to somehow transfer the cash so I have it upfront
To cut a long story short im looking at getting a new car, I have around £1000 saved, im in a good job and can afford the repayments I applied for a Tesco Clubcard credit card, 0% interest on purchases for 13 months and 0% interest on balance transfers for 9 months, now when looking for cars, i dont want to be restricted…
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Debt settled after death of account holder
My problem is that my late father-in-law had a credit card, unfortunattelly after his death the insurance company refused to pay out, they claim he had not informed them about his medical history, my mother-in-law is now getting harassing phone calls from the credit card company trying to reclaim the money. Has anyone got…
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Impact of bounced DD on credit score
I had a bad month and stupidly forgot to transfer some money into my main bank account. I had 5 DD payments to card companies bounce. I called up all the Credit Card companies within 2 days of the bounce to pay the due amount over the phone. Now apart from the nasty missed DD fees my bank will charge me, and the late…
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Egg Statements
My Egg card statement is due on the 9th. Last few months it's been late, again this moning, (12th) I still hadn't received it. They had added the monthly interest on the 9th but the transaction wasn't shown in recent transactions (it would have been shown on the statement) I have contacted them before but when they've…
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Result From Complaining About Natwest!
Hey guys the other day you may remember my thread about them insisting my bill issues needed extra pay because i paid on the same day before the bill arrived at my doorstep didnt count https://forums.moneysavingexpert.com/discussion/2973852 Well i phone them today on instruction of the ombudsmen to inform them of my…
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HSBC Credit Card reduced Interest
I currently have a HSBC Credit card with a 4k balance on it @ 20.9%, I called up Internet banking and explained that things are tight and i really want to pay of the balance. I was put through to the CC department and they said they would look at reducing the rate for a six month period, the Guy came back after a minute…
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credit debt
can you just pay off 1 credit card (high apr) with another (low apr) without transfer the debt onto it? eg the card was 0% on purchases for 3 months
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no refunds
my dad booked a holiday direct with diamond coaches, who have unfortunately gone into administration. He paid for it on his marble credit card, and today they informed him that it is not upto them to refund him his money. is there anything that he can do about this?
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Debt free
This is a simple idea that i dont really see on mse. If a credit card offers you a 0% bt with a fee of 2.9% and 0% on new purchases. why not pay off the card as a new purchase and avoid the 2.9% fee? Or am i missing the obvious?.
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Cancelling new credit card - Bad?
Hi Guys, Quick one, last night i applied and was accepted for a balance transfer card, however since this morning i realised that i actually need a 'super balance transfer' card. I was going to apply today for the MBNA SBT card and cancel the accepted Barclays BT one. Would this be bad for my credit rating since i've yet…
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increased int rates on Virgin CC
I did a balance transfer of £3k at 0% in January last year and the std rate for bal trn at that time was 1.59pm. After reading Martins article about rate jacking I noticed that my standard interest rates went up to 2.20%pm in June 2010. I can only pay the minimum payment now because I can only get part time/temp work and…
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Interest on paid off credit card
Okay, so I managed to obtain a loan at a lower interest rate than my credit card,with the intention of paying said credit card off in full,never to use the card again. A light at the end of the tunnel and a date by when I will be cleared of this debt! Did just that,paid the amount shown thinking that would be the end of…
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Virgin 16 month 0% application
Applied for this card online on Monday and was accepted immediately with a limit of £6,300 (which is perfect, as I have £4k on a 0% deal ending soon on another card, which needs to be transferred). But I have yet to receive any email or anything from them... anyone else in the same situation? I'm just wondering if they've…
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Just been accepted for Lloyds Credit Card WITHOUT preapproval
Just a quick one for those on here who bank with Lloyds and are not getting a credit card pre approval on online banking and are put off from applying online. I have banked with Lloyds for 1 year and have a £1000 overdraft which was renewed on its review last week. Based on that, and the fact I have not incurred any…
