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Struggling to pay credit cards Advice needed Please
Hello all, As the title says I'm struggling paying off my credit cards. To be honest I'm up to my eyes in debt, due to my last job cutting my salary but now have a new job paying more but we've had to rely on credit cards for most of 2010. I have cut out on most of life little pleasures, no sky, shopping about for best…
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Called up Sainsburys CC and they stopped rate jack on Halifax CC
I called up Sainsburys CC and asked for them to reduce my interest rate (he couldn't because part cash) but he asked did I have any other cards and then was able to hold the interest rate jack on my Halifax card (its at 14.9). So I am delighted....trying to get rid of the damn things, its hard but I am getting…
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MBNA - Virgin Atlantic Card
Hi there.... Virgin has recently moved over to web based statements and so a hard copy does not get posted to me anymore. I used to pay by cheque in addition to the monthly DD. However, now its electronic statements, I no longer have access to the credit slips that come with a hard copy. On the electronic statement it…
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Adverse Order of Payments
Hi, I was able to pay £5k off my £15k MBNA balance in November of last year. The monthly payment dropped from £395 per month to £298 per month. I would have expected the expected payment amount to drop by 33% like the balance, instead it's only dropped by about 25% but I realise now that there are probably different…
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egg credit limit
hi, i applied yesterday for an egg credit card,i received a message upon logging in today that i have been approved and to go through and sign the agreement.upon looking at the agreement,next to total amount of credit it says 'We will set and tell you the credit limit from time to time'. do they not tell you what your…
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0% Credit Cards
Hi, New to the forum, just trying to figure out some of these confusing figures when looking at 0% Credit Cards. I want to basically improve my credit rating - i was thinking of basically buying just small things, for example i want to buy a TomTom 1000 which is roughly about £200 on Amazon and i was thinking if i pay say…
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Need a new Card for Worldwide Travel?
Hi Guys, I will be needing a new card for my business travel over the next year. I will be needing a limit of £15,000 - £20,000 and am not too fussed about rates as this will be paid off every month. I was wondering what you can recommend for the best benefits, air miles ect.
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Barclaycard cashback rebate
ive had a Barclays cashback credit card for just under 2 1/2 years. Following Martin's good advice ive paid it off in full each month in order to get the cashback rebate. The only month in all that time I was late with my payment was last month & so obviously i had to pay around £12 in interest. However, ive just received…
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Advice needed regarding credit card application
I have 3 credit cards: Barclaycard and Virgin and a Debenhams store card. Credit limit of £2000 on Barclaycard, £4500 on Virgin and £500 on Debenhams. I did a 0% balance transfer of £4500 onto Virgin card last year. Now my balance transfer period on Virgin card is coming to an end in the next few days so I wanted to apply…
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Credit card guarantee
My son and his girlfriend are planning to do some travelling, and as neither of them has a credit card to purchase the flight tickets I was wondering if I bought the tickets on my card would the credit card guarantee still be valid were there to be any problems?
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Default on credit report...PLEASE HELP
I really need advise on what I should do next. I had not looked at my credit report for over a year and all of a sudden for no particular reason, I looked at it today. To my horror, there is a default on there for £28 from T-mobile from back to 2009. Apart from paying the £28 which I will do, the fact that it was put on my…
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Beware Paying off Tesco CC early!
My Tesco Visa bill is due around the 20th of each month and I always pay in full the due amount. However, as I was going on holiday in January I checked on-line and paid the full amount due on the 17th January (two days before next bill was due). Today, I went to access my account on-line with the intention of paying my…
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Eligibility question
I'm 20years old and have no debt what so ever. I pay my mobile contract back in full every month and have done for almost 2years. I've never in 7years of owning a bank account been overdrawn. I was accepted for a capital one credit card last year with a whopping 34% interest rate and have paid it back in full or in large…
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Balance Transfer options
I have just shifted my Credit Card Debt to the Barclaycard 0% for 17 months offer and was wondering if its possible to transfer the remaining balance on a Loan I have onto this card. I spoke to Barclaycard customer services and I am not entirely sure she understood what I wanted to do... if they let me do it this way…
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Pay full ammt each month or leave a little on card-best for credit-file improvement?
Hi guys/gals, Just been approved for Aqua & Vanquis (cap 1 STILL no decision-'further checks'-that was a week ago-guy on phone this sat said 'approved' but I will be notified if 'decision overturned'(??!) -said no 100% decision yet).... Applied for probably too many cards in a short space of time as Mycreditfile rating was…
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Santander/Topshop card
I took up the offer of a Topshop card when buying some boots for £90 as I was told in store there would be a 15% dicount for spending over £80. I've had my first bill from Santander for the card with the full amount of £90 to pay. E-mails to Topshop customer service have led nowhere. 'Was the discount offered by Santander?…
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Precise date for end of 0%
I would be grateful if someone could tell me the exact date I would need to make a payment not to incur any interest I have a 0% which ends on 26th May Statement date is 27th of the month with payment due by the 12th of the next month Am I correct in thinking I will have to have settled by the 11th June not to incur any…
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Cashback with Stoozing.
could i use one credit card with a cashback of say 1% return to make all of my purchases with and then use a 0% purchase card to pay off the original cashback card, and then pay the minimum off the purchase card and save the rest in a high interest ISA? would this be feasible to take advantage of both stoozing and…
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Credit Card Advice
I can't seem to be accepted for anything at the moment but I'm not sure why. I'm hoping somebody could give me advice on the next step to take in building my credit. Firstly, I am quite young, so little credit history. I have had a current account for over 6 years (which is on my credit file), all good. Recently got…
