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Air miles or cashback card which is best for me?
Hi all, I currently use a capitalone card for all my ad-hoc spending. Most regular outgoings are by direct debit and standing order, so CC spending is mainly just for large purchases, like holidays, one off goods etc. Over the past 6 months I've spent on average £440 per month. I tend to have one to two large overseas…
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HSBC Online Card
Please could someone 'in the know' advise me please. I have a CC with HSBC 'Online' I am led to believe that they are part of HSBC possibly First direct? I know that there is no direct link to HSBC other than the name on the card. My question is.... Is HSBC online card in the same group as Virgin CC ? I was hoping to…
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Using my card to buy items for other people, then giving me the cash .....
Hey :) My family are not very capable when it comes to computers, so I often order whatever they want online for them on my credit card and they pay me the cash. I keep this cash till the end of the month then go into the bank and pay my account of in full using the cash they have give me (Plus sometimes a cheque or cash…
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Unauthorised credit to my cc account
Apologies, this is a bit of a saga so I hope you are seating comfortably. In early Jan I used my Tesco Visa to purchase goods in a store in Florida. No problem - paid exactly what I should have done. On 10th Feb I noticed a credit to my visa from the same store for £148.14 As I wasn't due any money from them I contacted…
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Best time to apply with 1 rejection?
Hi There. Thanks to other people's great advice, i'm not feeling too worried or disapointed about being rejected for an Amex Platinum card today. However I would like another credit card for 0% on purchases by mid March and i MUST have a balance transfer card at 0% for mid october otherwise i will have 3K left. When should…
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Lloyds TSB Airmiles Duo - Application Process
Hi everyone, I applied for the Lloyds TSB Airmiles Duo card on the 02/02/2011 in a bid to boost my airmiles collecting. After 2 weeks of hearing nothing i got a letter requesting a utility bill. bank statement etc as part of their anti money laundering checks and the letter stated this was one of their final checks. I sent…
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Credit Card for Postgraduate Students
Hi, My partner is doing her PhD and was wonderign if she can apply for any credit cards? She's not in debt, mainly the credit card will be used for 0% purchases and/or cashback offers from the provider. I was wondering if she stands any chance in applying for any credit card? M&S 0% interest for 15 months credit card…
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MBNA Shocking !!!
In short - no job and 9k balance on card - rung them in November 10 and said my parents offered to pay £100 a week off this debt would they meet me half way and reduce interest rate even if by 1% - they gave a point blank no - but I pointed out willing to pay debt off wouldn't they rather have their money back than me…
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Repayment allocation
Hi, Does anyone know when the new rules come into force relating to credit card providers allocating repayments to more expensive debt first? HSBC and NatWest in particular? I can't find anything on this. Many thanks
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Advice - Want to get first credit card - REJECTED
I am 25 and have a full time permanent job (salary £28000). I moved to London in September and am on the electoral register. I have never had a credit card, but think for several obvious reasons it would be a good idea to have one. I recently applied for a Sainsbury's credit card and was rejected. I have checked my credit…
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Advise Please
Hi, Any advise appreciated. I currently have £700 on a halifax credit card (21.9%apr, just had a rate hike) which will take me approximately 4-6 months to pay off. In the last 4 months I have successfully carried out two balance transfers (£3000 To MBNA, £800 to Barclaycard) to shift debt onto a 0% deal. I'm thinking of…
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Consequential loss?
Last year I woke on the day I was due to fly out to Turkey to find that Goldtrail had gone bust at 6pm the night before and I had no flights. I had booked flights from plymouth to gatwick and vice versa as means of transport to the airport. Due to the collapse of goldtrail, flights from the UK were few and far between, and…
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Barclaycard & Debt managers Ltd.
I wonder if anyone can help me with what I should do next? A few weeks ago I received a letter from Debt managers Ltd. chasing payment of a Barclaycard which is seriously over its limit. I did as many have suggested and sent them a letter (recorded delivery) along with a postal order for £1 to get a copy of my CCA. I have…
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Impact of living at two addresses
I'm not sure which forum to post to but considering the main question will be about credit rating impact, I'll post it under credit cards. At present all my financial, banking and credit history is based at my parent's address. I have never changed any addresses when I moved out for university and since coming back. I…
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Is DMP the answer for me? Please Help!
Hi there, I'm recently separated from an emotionally abusive husband who has left me with a load of debt (£32k in total, one loan and 5 CCs). Things came to light which meant that he had to leave the house immediately and will never be back. Myself and 7 year old daughter are living in the home still. I'm the main…
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High interest barclaycard
Hi everyone any advice on ringing barclaycard and asking them to reduce my current APR? will they do this? I have been with them a few years now and cannot transfer my balance to a 0% card :o
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minimum payment to credit cards
Hi I am currently making reduced payments to my credit cards and I have arranged this with 4 different companies, virgin,mbna and capital one. How long will they allow me to do this and what happens if the stop allowing me to do this? Thanks
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Pay off full balance or pay minimum amount?
Hi, I'm looking for some advice please. I am looking to get a morgage at the end of the year as a first time buyer with my husband. Therefore I want the best possible credit score. I have one credit card (I don't owe a lot on it) which I pay the minimum amount each month. Should I continue to pay the minimum amount and…
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what to do
Hello forum users I am new. I am propted to send a request for help following the Mental Health brochure Martin & co have put together. I suffered a mental breakdown nearly two years ago. My business fell apart. My relationship has now broken up and we are selling our property. Hopefully, there might be some cash left to…
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Credit Rating
I am at loss on how to improve my rating. Due to a work injury I was off work 3 years ago and then fell into debt because of my Employers actions, which then led to me doing an Employment Tribunal Case. The ET is ongoing and since I had no income I went in Bankruptcy which in 2009 I was discharged from. Ever Since, I can…
