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Trying to get a single credit card for balance transfer but cant get enough credit
So, after having to get several credit cards due to various reasons, namely my partners redundancy a while ago, i've decided to try and get a single card to transfer all the balances on to, but its just not happening! Currently, I have: Barclaycard with £500 limit Halifax with £800 limit Asda Finance with £650 limit…
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barclaycard transfer to current account
Hi I am an existing barclaycard customer with a Barclays Current Account. I have never missed any payments, however, after requesting a transfer of money to my Barclays current account, I have been advised over the phone that barclaycard have recently changed policy and no longer allow for any money transfers from…
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Need advice on balance transfer
Hi there, I need a bit of advice. I have a Capital One credit card, current purchase interest rate of 30.34% and i have an £800 balance on it at the moment. £850 limit. I also have a Barclaycard with a £2500 limit and £1000 balance.27.90% purchase interest rate. The barclaycard has a balance transfer option of 6.9% until…
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Student Credit?
Hi, I'm a university student. I have two bank accounts, both with an authorised overdraft that I use during the year, then over the summer, try to bring them up into the black. (Both are interest free student overdrafts, I don't pay anything monthly etc, and they're available until I graduate). I was given a Natwest…
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Barclaycard existing customer BT question
Hi folks, I recently cleared my barclaycard with a view to transferring a balance from a more expensive card and taking advantage of whatever offer was on at the moment. Annoyingly I have just spoken with them, and I have no existing offers and consequently can't transfer a balance at all! Is this usual, and any idea how…
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MBNA agreed to reduce my minimum payment
Following the recent rise by MBNA of the minimum payments, as i couldn't afford to pay the new rate I asked MBNA if they could reduce it. They said yes for both my MBNA & Virgin cards, although they will place an arrangement to pay marker on my credit reference file which will stay on there for 11 yrs. I have no option but…
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Paying off my credit card.
Hi all, Ive recentlyon the come into a sum of cash and want to get rid of my credit card balance completely, not close the card down as i like to have it for those little emergencies. Now a friend of mine has told me not to pay off the final balance, but to make them an offer on it. eg: final balance is £1500, but you…
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Unauthorised Cash Withdraw Abroad
I've just got back from a trip to India and it appears money has been stolen from all 3 of my credit cards, two days in a row. Approx £250 cash has been withdrawn on each card, (£750) two days in a row (£1500). I didn't use my credit cards to withdraw any cash whilst away, and only for some purchases in reputable retailers…
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Capital One - Payment Protection - Redundancy
Hi, my OH was made redundant on Friday, nice of them considering he'd only been there for a month and half. Luckily (???) he has been paying monthly for Payment Protection Insurance on his CC. Am I right in thinking that this would pay his monthly minimum fee? Can't seem to find it on their UK website, only on a .com one,…
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Vanquis: Minimum payment question
Hi guys! Vanquis ask me for a minimum payment every month, which i pay on the day that the new statement is produced. But for the last two months, it would appear that the amount that they're asking for isn't enough and they've charged me 2x £12. The statements have shown the balance, which is just within the limit and I…
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RBS Credit Card - Section 75 claim
I am in need of some advice if anyone can help me? My wife had signed up to a website called Elite World Systems (search google) which provide training to individuals who want to create a e-commerce website. She first saw an advertisement on the internet and called to speak to them, they offered her a cheap package which…
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Is it worth me applying to mainstream yet?
I have a good credit rating, have 3 credit cards (one is mainstreamish with Natwest, 17%) and have an over draft, current plus bank account and a couple of store cards (argos and next). Never miss a payment, never late, always buy stuff, always let them make a bit of interest on me - But I want rid of the high interest…
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Being placed on someone else's credit card ?
I was looking at establishing and rebuilding my credit Report, However i simply cannot get accepted for any credit card at the moment, Would i be able to be put on my dad's Barclaycard gold (With his permission of course) ? I heard that you can be issued a card with only a light credit check being done, and payments being…
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Lloyds Airmiles Duo CC
I have just opened a Classic Vantage account with Lloyds Checking with my online banking I see I will be getting the airmiles duo cards. I only really want an ordinary CC I don't spend enough to get free flights. Now I will be getting two cards I have just googled for reviews and they are all negative with people…
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Virgin Credit Card - Promotional Offers
Hi, I just wanted to ask if anyone knew how long I need to have a zero balance on my Virgin card for before they start to offer me 'promotional offers' again? I paid it off in full about 6 weeks ago and have had a statement confirming this. The reason I am asking is that last time I had a balance of '0' I got offered rates…
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what else can affect your credit rating ?
what else can affect your credit rating ? i have never borrowed anything nor am i in debt yet i still have a bad credit rating
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What Experian doesnt tell you
I got my free-for-30-days credit report from Experian having never had a report before. I was encouraged to do this by the passport agency to discover if there was any fraud. Experian took my one and only credit card details for future payment and then did not even include this credit card as part of my report. My report…
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does changing banks influence acceptability with CC Companies??
Just tried with the better half to be a rate tart and shift existing balance to a 18month 0% offer on moneysupermarket.com - however the computer said No after entering bank details. She'd changed banks last year for convenience reasons, so only banked with them for less than 12 months. Should she really have waited to…
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MBNA AMEX vs Platinum Rewards
Was looking on the MBNA website at the AMEX cashback card and noticed the Platinum rewards where you get 1 point for every pound you spend. What card is better? also just noticed the Retail Rewards American Express Card looks the same card design as the cashback card but a rewards programme.
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0% balance transfers
Hi guys, Decided that I should transfer my credit card balance to a 0% deal and save some cash... I'm not very experienced in these matters so would appreciate some advice. I know that at the application stage you are given the option of saying that you would like to transfer a balance. I was wondering if it is necessary…
