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Late Payment Removal
I've recently seen on various forums that it is possible to remove defaults from a credit file. Now I'm wondering, is it possible to remove late payment? I have 3 consecutive late payments from November to January, all I want to do is explain my situation of being ill and not in work until a few weeks later, it was nearly…
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Charged over 4 months after using
I paid for an NCP car park with my credit card at the exit barrier (avoiding the huuuge queues at the pay stations on 12 November 2010 - however the amount was just taken off my credit card on the 30th March 2011. Can they do this?? Surely there must be a time limit on how long they can wait beofre charging the card??
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Never had a credit card
Would like to get one to pay for car insurance. What ones are the best for 12 months interest free?
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Consolidation Catch 22?
Hi, this my first post, I hope someone can help. My spouse has approx £20K of CC debt, I have none. The 2 cards are up to their limits. We want to consolidate this debt into a loan as we are sick and tired of all the money we are paying each month in interest, money which could be going towards our pensions, our children's…
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Some basic advice required.
I just need some basic advice on if its worth doing the following. I have 4 cc with various amounts on them cc1 £4470 at 20% APR cc2 £1776 at 6% APR cc3 £7915 at 6.95% APR cc4 £1577 at 4.9% APR Is it worth me trying for a loan if possible (£12000) at around 7.5% APR and pay off the majority of the cash on the cards or just…
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Which CC should I ditch?
I am taking stock of my CCs and what benefit they are to me. I currently hold: HSBC credit card (4 years): £0.00/£1500 @ 21.9% Halifax Clarity card (9 months): £0.00/£600 @ 17.9% Barclaycard plat. (2 months): £42.50/£1000 @16.9% I got the Halifax CC solely for use abroad; the Barclaycard for the rewards programme (which I…
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letter from HSBC
Hi all I have recieved a letter from HSBC saying my credit card is over its limit ( which it is) and also saying something along the lines of that if I cannot afford to pay my credit card, I should cut it up, mail it back to them and then phone them to provide a proposal to repay the amount owed... is this some kind of…
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Warners Holidays
Has anyone got a discount code for Warners Holidays that goes beyond May
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Best credit card for buying petrol/diesel?
I do a lot of miles each year and obviously buy a lot of diesel. I am nearby all major supermarkets and usually use ASDA or Sainsbury's, though I can use the others. I was wondering if anyone knows which store would be the best to get a credit card with that I only use for fuel. I would be spending about £400 a month on it…
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Help and advice needed plz :)
Hi, first time poster here. First the good news, i have just paid off my capital one card and it's balance is £0.00 :D Now i am left with 3 credit cards.. HSBC, Barclaycard and Virgin total amount of debt combined on all of them is £7500, i'm looking to pay this off quickly so the thought of a consolidation loans scares me…
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what's gone wrong?!?! help plzzz
hi after a bit of advice please. i got accepted for the barclaycard 0% bt for 20 months. never done this bt stuff before so it's all new to me. anyway, i got a limit of £4100. when i applied, i told them i was taking advantage of the 0% bt and gave them tesco cc details. when i registered online last night, i had full…
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Capital One Classic - Anyone applied recently ?
Hi I have just applied for a capital one classic credit card. It says its been accepted and my card will be sent out etc. I'm sure I applied for one a couple of years back and it said the same thing but then the card never appeared, and when I called up it was delclined.... anyone applied for one recently ?
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OPS Direct debit issue
Hi All, Please be gentle with me! I did a balance transfer to a Virgin card at 0% (5% transfer fee) for £7750 in feb, then went on hols. It appears that the DD to virgin somehow got canceled, and while i was away, it missed the payment to virgin. It now appears that this has resulted in the lapsing the offer (meaning i owe…
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Barclaycard to First Direct Balance Transfer.
Hi all, Just a quick one and some possible advice? I am looking to transfer a balance from Barclaycard to the First Direct Gold card. Not sure if I am over thinking it but if I transfer the balance and then regularly spend on the FD card when I make payments will that clear the 0% free amount first? Would this result in…
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what to do
Hi Guys. I want to take my wife away for our anniversary next month, but have no immediate cash...i can afford £50 a month, so was wondering about applying for a credit card, and paying for it that way. Do you think i should and if so what is the best credit card . thanks and regards Garry.
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Best Credit card to apply for for using in USA
Im going to Vegas and need a credit card for emergancys which is the best one to get any ideas?
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ATM problem
Dear Forum users I'm after a bit of advice for my mother..hope someone can help. Yesterday she attempted to withdraw £150 from a Natwest atm at her local supermarket. During the transaction the screen said there was a fault and popped her card back out. She then received an advice slip stating that her account HAD NOT been…
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Balance transfer from American Express (AMEX) issues
Hi everyone, I have been having problems paying off my American Express (AMEX) Cashback credit card via a balance transfer from a Santander Zero Credit Card, which is great since it offers 0% for 6 months plus 0% balance transfer fee if you have a current account or as I do an ISA which has been at the top of the best buy…
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clarity card charges....
I have just received the halifax clarity card which I have read on here its the cheapest way to spend abroad, but also have noticed even if I pay the balance in full there will still be some interest so how exactly do you manage to clear your balance? We are going to mexico in June and I was just going to take this card…
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Worried about a fraudulent credit card application
Hi, I have just received a letter from the Post Office rejecting my applicaton for a credit card. My worry is that I haven't applied for a Post Office credit card ever. It does have my correct name and address on it. Has anyone experienced anything similar. Should I be worried I wonder? Thanks
