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CC Application
An application has been made for a CC and the paperwork has been sent through the post however i've found a better one with my bank, as an existing customer. Am I okay to go ahead and apply for the one with my bank and simply disregard the other application or do I need to cancel the first somehow?
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any idea about this?
i applied for a granite card about 6 weeks ago because i already had a vanquis card. i now keep having missed calls on my home phone saying 'you have been called by barclaycard or one of its representatives. its not important and we will call you back at some point' im never home to get these calls and i did apply for a…
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Trying to cancel Next credit account... they keep fibbing about cancelling it!
Hi guys, Apologies if this is in the wrong place, I couldn't find anywhere more suitable. I've tried to cancel my Next credit account twice now, and each time I'm told 'yes, I'll get that done for you' and both times they haven't cancelled it! I can still log in and see that I have credit. Is there anything you guys can…
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Any helpful advice greatly appreciated
Hi, I am 24 and I have approx 5k on two different credit cards. I have had a tough year due to losing a great job due to the recession. I now earn siginificantly less than I used to. However, I now live like a saint and I have surplus income each month. However, this surplus is being eaten away by approx £160 a month just…
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Santander Credit Card Application Debacle
Hi All Firstly, apologies if this has been covered before in another thread, I'm new to this and a bit blinded by posts! Also it's a bit of an essay I'm afraid. I've had a really bad experience with a credit card application and wondered if anyone else had and have managed to do anything about it etc... I have £3,500 debt…
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£4000 o/s on Nationwide credit card
I have 4k on my Nationwide credit card. It's my only debt. I have no savings but would like to get rid of this debt. Mortgage has just reduced by £165 per month, so was going to clear it via this which will take a while. My latest monthly statement had £10 added for interest. Would I be better taking a personal loan to…
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Halifax DDM help please
DDM due to be taken in about 10 days time. Card has been paid in full and has a small credit balance on it. I have cancelled DDM as terms say that "DD will be collected every month even if you send us an additional payment". Can anyone advise what might happen as if the DD was collected the account would be even further in…
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Barclaycard no longer do upgrades it seems !
Tried to do a upgrade to a different barclaycard and got this email, which is daft because now I would have to open a new account, close down the other, set up a new direct debit etc, where before I would have simply had a change of card. The email itself looks a bit cut and paste (Thank you for your email is repeated…
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young person refused credit card
My daughter, 20, has been reused a credit card. Circumstances as follows In August applied - living at home just finished being a student job starting in September in Scotland (one year trainee) has bank account on electoral roll no cards, loans etc runs own car, pays own tax, servicing etc Refused by 2 or 3 cards, even…
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Different cards displayed on Barclays and Barclaycard website
After a random browse around at the Barclays website and the Barclaycard one, Barclays website display only some credit cards from the Barclaycard website. Barclaycard website has the full range of cards. Why is this?
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Your egg card will not be renewed - unfair practice?
Hi, I've been lurking here for a while and thought I'd get involved to see if anyone else has come across this. I have an egg card, had it for many years but a couple of years ago I stopped using it and started keeping it as a "back up" as I travel a lot for work and like to keep a spare card out of my wallet in case of an…
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seperate or combined BT & shopping 0% cards
Are there any disadvantages to a combined Balance Transfer and Shopping card, compared to two separate cards. I'm considering a Tesco card to transfer a balance, and use for 0% shopping. Are the two balances partitioned and treated separately?
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Can i use a CC to avoid paying Google overseas fee
Each time i purchace something for my Android phone Google charges me £1.25 for "overseas" fee. This is very annoying when the app is only 60p. Can a credit card help?
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Getting Turned Down For Credt Card
Hi, Hoping someone can give me some input/advice. I have 3 credit cards, and an overdraft - CC1 = £1,500ish CC2 = £1,200ish CC3 = £0 Overdraft = £1,200ish From doing a free credit check recently, I know my report is pretty good. I've also just moved house, and they do a credit check for that to see if you require a…
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Quick question - vanquis
Just a quicky, no longer need my vanquis card and was looking at the barclaycard platinum card. Do Vanquis allow balance transfers?
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Reducing Credit Card Limit
Hi, I'm new to the forum and I'm not sure if this is the best place to post but basically I have two credit cards I'm currently paying off. I wanted to know if it was a good idea to request a decrease to my limit once I had paid off a certain amount of money. Is this a good idea or will it play havoc with my credit rating?…
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Got a Late Fee.... but no idea why?
OK so I'm not exactly an expert with CCs. However in my recent transactions I've recieved a late fee. Now I am not sure why, it's on a 0% card and now that seems to have gone (I assume because of the late fee). Doesn't matter for me, I can pay it off in one sweep, which I will do now. But I don't see why I got a late fee…
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Am i nearly mainstream?
:hello: Hello all, Whilst being on maternity leave have had a bit of time on my hands so been sorting my life out while quietly lurking around here! I would like to start my post by thanking you all for your posts i have had my eyes opened by all of your invaluable (for the most part!) posts. Now for my question...... Am i…
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missed payments
i have missed 4 payments on my credit card, i had a direct debit set up to debenhams (santander) which i have now found for some unknown reason hasnt been collected for the past 4 months I was going to do a balance transfer tomorrow to this card, would i still need to clear the missed payments on top of this or will they…
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Paying off bank loan with credit card
Hi Money Saving Experts, I have a quick question regarding paying off a First Direct Loan I have outstanding. I have 5 months left to pay off a bank loan (about £1200 outstanding) but I was thinking I could save some money by paying off the remaining balance using a 0% interest credit card instead. If I were to do this,…
