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Can I get a reduction if I pay off my card debt in full?
I am soon to be in a position where I can just about afford to pay off all my credit card balances in full (from the proceeds of a house sale). I know from previous experience that once you are in arrears and on a payment plan, lenders often offer a reduced settlement figure to try to get you to clear the full debt,…
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Advice needed in how to avoid being rejected for possibly being too good a customer
Hello everyone. I'm thinking of applying for the Halifax Clarity Card, and will have a 'perfect' record according to the CRAs when applying. I will be hoping for the 12.9% rate, and using this card for the perks and to replace my HSBC one. I know the laws have been changed and less people will get this rate, so I'm using…
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Supplemantary Credit Cards
hi all wanted to find out if my brother has an american express credit card or any other uk credit card for that matter and they offer supplementary cards on his account. If he wants to give me one will i also be credit searched or not? is it possible to be rejected for a supplementry card or not, i know that he will be…
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Reduced Settlement of Credit Card – affect credit score?
Wondering if anyone could offer some advice so I can decide whether it is worth investigating whether Credit Card companies would accept an early lump sum settlement. Quite a few years ago now got myself into a credit mess, building up a crazy amount of debt across 6 credit cards in addition to a loan that I also had. The…
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Mbna Rate Jacking
When i recently looked at my online statement i realised that my interest rate was higher than i thought. When i phoned them i was informed that they sent me a letter in September informing me of the rate rise. Not happy with this i asked to speak to a supervisor who phoned me back later that day. My main point being that…
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credit card paying by phone
Hello in dec i payed for our windows by credit card over the phone at the time i thought it was dodgy,anyway two weeks later i had a invoice from same company with my order and my credit card details on them including three digit code anyway my question is what should i do next has i am paranoid ,how many people have seen…
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Amex - Personal Info request
I have had an Amex card for a number of years but have now been told I must send in copies of my passport page or driving licence and also a copy of a bank, building society or utility bill. I have been told by Amex that this is a legal requirement without which i can no longer have an account/card with them. Can anyone…
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Virgin Credit card
I have recently paid a large balance off my Virgin Credit card with a bonus I received. I checked the balance on line and paid the whole thing off before the due date. I logged in again and my balance was zero. happy days I thought. Then I logged in 4 days later and an interest amount has been added of £200. surely if you…
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Phone scam
Beware - phone scam - we've had voice mail left claiming an online purchase (laptop) hasn't been paid for. We have received the product and a receipt, and have a zero balance online at the purchase site. We haven't received any mail or email concerning an issue with payment. However, the latest voice mail threatens debt…
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Halifax Clarity Card
My daughter is a 4th year medical student and is about to travel to Malaysia for 6 weeks as part of her study course. She has a Halifax Student Current Account which is in credit and a Clarity Card which she pays off in full by DD each month. She has no debt apart from her student loan. Halifax has refused to increase her…
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Barclaycard credit limit increase
I received an automatic credit limit increase in September. I'd like to increase it further but according to the website you can't apply for an increase if you have asked for one in the last six months, so my question is this - am i eligible for an increase now (as i never asked for the last one) or will i have to wait 6…
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xbox live unauthorised payments
I had an xbox for a week in November last year, it was borrowed from my brother to try it out. And I've signed up for monthly live subs and to my horror I just found out that Microsoft is pulling money from my account on a regular basis. I'm pretty sure that I've signed up for a one month non recurring account. Is there…
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Tesco Credit Card Question
Right Guys i had tesco credit card for good while to buy thing pay things off etc, for 12 months 0% no intrest the 12 months ends end off april what happens after this , can i buy things and pay monthly payments as normal or is intrest ridculous high and charge on top of my payments if you get me, or can i cancel the…
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Closing one c/c, does it have a positive effect?
Hi all, The title might be vague, just didn't want to make it too long. I think by mistake I have just closed an old cashback card which I see Halifax not advertising anymore. The reason I did this was because I want to open up one of their Clarity card (non reward version), as I go abroad often. I was told by the Halifax…
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Bank Of Scotland
Now opened a bank of scotland account up with £250 OD,just wondered do they do pre-approved offers once your account has been satisfactory for a while? Thanks
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Virgin Rate Hikes
Hi, I am looking for advice regarding the above if anyone can help or give guidance what I should do. I have had a Virgin card for about 3 years and in June 2010 time my monthly payments jumped from £85 approx to £210 a month on my last payment. I have read the posts on here, but there appears to be a 60 day limit on time…
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Money Supermarket Smart Search??
Just wondering how accurate the Money Supermarket Smart Search is? I've just put in my details, and got the following results MBNA Balance Transfer Card 8/10 Virgin Credit Card 8/10 MBNA Platinum Rewards Card 8/10 BT Credit Card 8/10 Birmingham City FC Platinum 8/10 Cystic Fibrosis Trust Standard 8/10 AA Rewards Credit…
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Barclay Card Initial with old CCJ
Hi folks, I currently have a Capital One Classic, which I have been running for about a year, with no late payments and never "maxed out" - always pay off in full each month. Also have mobile phone contract, no payments ever missed, and I bank with Barclays for last 6 years, they confirmed my account has always been ran…
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What credit check does Barclaycard do ?
I recently got accepted for a Barclaycard Initial with a starting limit of £800.I cannot however get a card with Vanquis,or even a payday loan. So im wondering what credit search BC do as it must differ from Vanquis and paydays ? Also,who has the same searching system as BC ? Cheers
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credit card overpayment
Hi All, wondering if anyone can give me any advice. Stupidly I made an overpayment of £900 to my credit card (AMERICAN EXPRESS). I realised my mistake straight away and called them to request they reimburse me ASAP. They assured me they would do it but it could take up to 10 days to get it back. 10 days on I phone to see…
