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Good credit rating cant get credit!
Hi guy's I am new to this site. Just a quick question regarding balance transfer cards... I am a member of experian and have been for a while, my credit score is good, not far off excellent, I have tried to get a santander balance transfer card but got refused so I decided to try one more which was barclaycard which was…
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Balance transfer to pay off a loan
Hi can anyone help? Am helping my parents to get their debts sorted out. Just wondering if you can get a 0% credit card deal to pay off a bank loan? They are pensioners but still working and I have done a snowball calculator and reckon could get them debt free by late next year if it was on 0%. Otherwise these loans have 4…
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Credit Report - Late Payment! :(
I'm considering buying a house so I checked my online credit report yesterday, only to find that there is a '1 Payment Late' notice on my HSBC current account from 3 months ago in Equifax! An isolated blemish on an account I've had for 30 years, but a blemish nonetheless, and so recent! I'm not sure if it's accurately…
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Independant mortgage advisor charges
I am currently discussing a remortgage (offset type) with an independant mortgage advisor and he advises me that his companies charges are £1,440 which will be added to the mortgage advance. is it standard to be charged by the advisor in this way.
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How can I pay?
Hi all, I've just got my first credit card. I've got a sizeable bill to pay for house refurbishments. I'd like to use my credit card, however when enquring how to pay the company told me they don't accept credit cards :eek:. As it happens I have made arrangements so I can cover the cost from my bank account. However, I was…
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Virgin card interest
I have a virgin credit card. I was one day late in paying the balance off - very annoying but it happened. Anyway, I was then charged £12 late fee. Late in the month I was charged £44 interest. Both seem excessive but ok, it was my fault. However, at the end of the following month, I have again been charged £10 interest. I…
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Nationwide balance transfer
So got the nationwide card for balance transfers for 20months interest free but it appears to only let me transfer between credit cards/store cards!! Is there anyway i can transfer to my bank account using the 16 digit card on the debit card? As i am looking to clear my loan off, or will i have to clear another credit card…
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claiming flight money bought with credit card
Hi wonder if anyone can help, I have booked a holiday for a large group of friends which has been a nightmare, but that's another story. One of my friends has recently been diagnosed with breast cancer and has undergone a mastectomy, subsequently she wont be able to travel. The holiday company has quoted us £170 to change…
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Questions regarding payments and balance transfers.
From what I understand, repayments made to a credit card are deducted from the portion of the balance with the highest interest rate first. Is this also true for outgoing balance transfers? Also, if for example I had a credit card that was -1000.00 (it owed me due to overpayment) can i transfer a balance of 1000 to it from…
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Is Increasing your monthly payments 'fair'?
I'd value some opinions on this please as Virgin have me a little bit fuming at the moment. Some background first. I am finance literate (well like to think so) having worked in finance for 15years and holding relatively senior positions especially in decision making and risk. I regularly change my CC to take advantage of…
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Building up my Credit
Hi all, For the last couple of years i've been on Payplan to repay my debts and slowly but surely im getting there. One of the conversations I had when I signed up to it was when its possible look to try and build up your credit whne you can. Well today i've received a letter from Vanquais with the usual pre selected…
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Bank of Scotland APR Increase, Close Card, Credit Rating impact?
Hi everyone, I've had a Bank of Scotland credit card for about 2 years now. They sent me a letter saying they were going to increase my APR / interest rate around 7 months ago - at that time, I phoned up, and they agreed to not increase my rate for the next 6 months. Surprise surprise, 6 months later (Dec 2010) another…
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Interest Charges
Can anyone tell me whether interest charges on credit cards are based on daily outstanding balances, or the balance at the start of the month x all the days in that month? Thanks!
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Apex / RMA question
So I have moved abroad and thought I had no balance on my credit card but my old address forwarded a letter from Apex which asked me to contact them. I think it can only be my credit card as I had a small balance with Natwest at one point that I thought I had cleared. The time difference means I can not call them in their…
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credit rating
anyone know if I myself applied for an MBNA credit card & my wife applied for a HSBC around the same time would this effect applications with us both being registered at the same address or would it be taken as individual credit rating. Thanks
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Can you use 0% balance transers to pay back loans?
Hi Please can someone let me know if you can use 0% balance transfers to pay back personal loans or overdrafts?? Thank you
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Egg being sold to Barclaycard
Is there any way you can stop Egg giving personal details for closed credit cards to Barclaycard ? Egg quote the following but I still don't see why they should be allowed to do this :- Please be aware that we're required under FSA regulations and the Banking Code to keep your details for up to 6 years. As all our credit…
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Declined with very good credit score
Hi All I've just been declined with what I though was a very good credit score and history. Details as follows; * Excellent payment history on all debts * no other loans except a £90k mortgage * One other credit cards which I pay off in full monthly * I have checked my Experian report and all is well there. Nothing apart…
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credit card fraud
Hi, I have just had three different credit cards with fraudulent activity on them dating between 15th March-17th March 2011, all activity was for Microsoft Xbox Live. The total was in excess of £800. I have contacted all the credit cards but how has this been done, all credit cards are kept securely and one has not been…
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Credit score and applying for credit cards
Hi there, I applied for an M&S 0% on purchases on 15 months credit card and I have been refused on the grounds of the information they have received from Experian. I then went onto Experian and signed up to view my credit score and found out my score is 976 (in the excellent band). How come I have been refused for credit…
