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Have I ruined my credit profile?
Hello everyone! I'm new to credit, so since september I have had both a capital one and vanquis cc. Vanquis bearing a limit of £250, and cap1 at £500. I have ran these cards very well, clearing the balance for the few months since opening. A couple of days ago, an emergency arisen whereby I had to put a lot onto these…
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Lloyds CC - time to clear payments
My Airmiles Duo credit card was rejected twice yesterday (27th), once for a £104 transaction and once for a £2.65 transaction. At the cash machine, I checked my balance and it said I had £125.04 in available credit. I could understand why the larger transaction had failed, but certainly not the £2.65 one, so I went into…
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Credit card newby: explain repayment terms
Hi, I've never had a credit card, I normally just use a debit card, so forgive my rudimentary question... I'm in the process of doing some rennovation on my house and need about £10,000 more than I have to finish the job off, which I'll comfortably be able to pay off within 12 months although probably won't have much money…
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Silly Question on credit cards! Or not?
Hoping someone can clarify this for me - I want to start using my credit card as my sole payment, For everything, utilities, on-line food orders ect each month. My thoughts are using this will mean i don't have to carry too much cash around - which gets spent too easily! :mad: If I ensure the full balance is paid by the…
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Help please
Not sure if this should be here or where it should be? Hi, I lent our Mortgage advisor(who was a friend) some money £3000 to be exact and got a written agreement from him signed by both parties that he would pay the money back on the 27th April. The 27th Came and no money was paid, i went round to pay him a visit and found…
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shifting debt
Hi can any one tell me how to find out what credit limit i could get form a new card before applying to shift balance from an old card? I have never done it before and have 1,500 to shift to zero interest for as long as i can cheers im a newbee!!
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car hire and credit cards
is it true that you have to have a credit card to hire cars and why can you not use a debit card?. I am going on holiday to portugal and want to hire a car but have only ever had a visa debit card, can anyone recommend a good credit card? Thanks , Andrew
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Balance transfer help
Hi guys, just got a quick question that I thought I'd ask for advice about before I go chasing up barclaycard. Basically I requested a balance transfer of about £300 from my barclaycard to my halifax credit card. I noticed that it had gone through onto my halifax card via online banking, so I thought nothing of it. Now, a…
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BT Credit Card - Frozen Account
I have a Bt Credit Card and they have frozen my account, hiked up the interest rate and refused to issue a new card. In essence I am stuck with them without being able to do a balance transfer to another provider. This came about due to a discussion on the phone last year with one of the call centre staff when I made a…
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Weight Loss Scam
I have just fallen for a ridicuous weight loss scam and desperately need help. I signed up for a free trial of two different weight loss pills, the only charge being the postage. It says on my invoice that I will be charged £2.95 for each one and that the charge will come off under the name pro pain and gives a ref number.…
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College Student - 22 - Wanting Credit Card - Little Income
Hey! I was wondering if anyone could help me. I am 22 years old and a student. I am currently at college, but going to university in September (I have an unconditional place - firmed). I want to get a credit card. I will be paying this off every month without question, so interest rate is not really an issue. I don't have…
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Insure & Go Prepaid Account
Hi all, Just wondering if anybody could give me some advice. I recently had a letter from Raphael's Bank telling me that the Insure & Go Prepaid Card Account is no longer in operation. It says if I have an outstanding balance (which I do!) I should email them asap and let them know how I want my refund. I was a bit wary of…
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CC companies not that interested in security?
As the PS3 network has been hacked and security advisers recommend people to cancel any cards they might have registered with PSN, I find it very odd that I had to literally demand with both Flybee and Natwest Bank that they actually cancel and replace my cards. Neither wanted to. Flybee reluctantly relented and cancelled…
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Should I accept a credit limit increase?
Hi there, I'm fairly new to all this credit stuff so still trying to get my head around it. I have a quick question... I'm a uni student studying from home, and recently applied for a credit card to start building up my credit score (December 2010). My application was successful and I was given a credit limit of £500. I…
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Freedom Eagle Pre-Paid Mastercard
I did not know where else to post this. Sorry, if this is in the wrong area. I seen this last week and fancied it to pay for goods online. The card came today and I have activated it and everything, received the pin. I have yet to load money onto it, but they said I can do it at any Paypoint or Post Office. Are they…
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Credit card that cannot be used for Cash transactions
Hi - this may be a long shot as Credit card issuers make alot of money from cash transactions but does anyone know of a credit card that will allow you to switch off the ability to take cash from an ATM? Its a long story but my second card holder has a gambling prob and has been using his CC to take out cash. The cc was…
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can i apply to strick out a claim against me?
Hi i am in the middle of a case defending against Creation Financial services. Whilst i am reasonably happy that they have an unenforceable credit agreement and the judge dismissing thier application to strick out on the grounds o no defence i am getting rather irritated with them by thier lack of compliance with court…
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Amex Rewards credit card
This card gives you equiv of £90 in vouchers if you spend min of £500 in each of the first 3 months. Can you then just collect the vouchers and get another cashback credit card? Or is there a condition that you need to have the card a year or something? thanks
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Vanquis - how have they calculated their interest?
Hello All, I have just been promised a call back from Vanquis as the matter I have raised with them is complex. I called them to ask for somebody to explain to me how they have calculated their interest on my latest statement. About a week ago, I called them about the same thing, and they sent me a letter to "explain" how…
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No idea why I cant get a credit card
Hi, I was wondering if someone could help me. I have applied for a couple of credit cards over the last 2 years and always refused. I tried with my bank HSBC and got turned down due to suspect account activty and Tesco just said no. I have carried out a credit check and I am in the green with nothing showing which looks…
