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Cancelling Old Credit Cards
Hi Everyone, I was wondering if it would be a good idea to cancel some of the credit cards that I don't use anymore because of their high interest rates etc. What are the potential advantages (e.g. would it help towards credit rating etc) and disadvantages (e.g. adverse credit rating). Some of the banks have started to…
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Is my credit rating affected by previous occupants in my house?
Just a quick question as I am starting to become quite concerned. I have lived at my property since March 2009. In this time we have received quite a lot of mail regarding previous occupants and upaid debt being passed onto baliffs etc, as well as actual letters from debt recovery agencies wanting money from other people.…
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Should I get the Barclaycard Platinum?
I have a 0% card with Halifax for 12 months which is nearing 30% of credit used, and a HSBC card which isn't being used at all (had it about a year) I meant to use the 0% card for everything, and put the money in savings, but ended up only using it for stuff like £40+ and using my debit card for everything else I have my…
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Rectified credit score but still declined credit card.
Hi there, really hope someone can help me... In January I applied for the usual post Xmas extion to my overdraft, I asked for £100. I do this every year with no bother so when I was rejected I was shocked. I checked my credit score, as advised, with equifax. Sure enough a bank account with Santander which had been closed…
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Capquest - Settled with Partial Payment?
Hi Guys, Need a bit of advice on a Capital One credit card I had - this has been passed onto Capquest for collection who have recently written to me offering a reduced settlement - the catch is they have stated that they will close my account as settled but will note a flag of partial settlement. Is this a good or bad…
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Just paying off interest!
Hi everyone. I have a dilemma.... my partner and I have a Virgin Credit card with a balance of approx £2000 on it. Now, we had a letter from Virgin to say they were going to freeze the account (but not the interest!). We didn't mind one bit as it was always our intention of paying it off and closing the account before…
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Egg card
I have one of these, but as im sure many of you know they don't allow closure, with the remaining balance to be paid off. Now what if i was to ask them to reduce my credit limit, would this have a similar effect, in other words i can't spend until it's below the limit. Anyone?
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What do we do now???
I am asking this question on behalf of a friend of mine who, because of a long illness and only being able to work part-time, has been unable to meet the contractual monthly payments on two credit cards. Both credit card providers allowed my friend to make token monthly payments of £1.00 for a period of six months to give…
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CC Balance Transfer Application Advice
Hi All I have currently got 3 CC. One is on a 0% interest and I am paying the min, whilst the other two I have prioritized by min on one and then the other due to it being the bigger %APR I have concentrated on and its working. Now, the 0% Card will soon be coming to the end of its promotion. Ive had it for almost a year…
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Transfer balance to Bank account Credit Cards?
Hi all, Is it just MBNA owned cards that let you transfer money into a bank account? If not who can you use? Many thanks in advance!:j
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Which cards are MBNA cards?
IS there a list that exisits somewhere? What if i have a credit card. Apply for a new one to transfer the balance and then find out i can't because they are both MBNA cards?! Thanks in advance.
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Credit card help
My husband and i have 5 credit cards with a total of £19k on them we currently pay £600 per month on all these most with minimum payment. We have tried to apply for a loan to consolidate but got turned down. It annoys me that they wont lend to us with a payment of £300 per month but we already pay out £600!!!! Does anyone…
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Amex application - referred
Hi all Was in Natwest yesterday asking to have my credit card limit extended (currently £500 from a student card that expires Sept). I was told I'd need to call up and cancel it, then apply for another as I can only have one. I need to book some flights which are going to be a lot more than the CC limit, but I'd sooner…
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Time limit for company to take payment
Hi all, just a quick question. I purchased a holiday with an airline company in April 2010, i put the full payment through on my virgin credit card, and received all the confirmations etc from the airline company. Now over 1 year on and having already been on the holiday, i noticed that the Airline company, did not take…
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Best Prepaid card
I want to give my granddaughter some money for her birthday and want to put it on a prepaid card, which would be the best card to get to do this on and also I want it to be a surprise can I give my address and change it after I have loaded on the money on and give it to her with her address on it. It will be her first card…
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Does a balance transfer count?
I am about to move a partial balance from MBNA to a new (interst free 12mth) card I have been offered by Lloyds. Will the balance transfer (taken from MBNA) count as a "payment" or will it simply remove a chunk of the balance and then reduce the monthly payment accordingly? Hope this makes sense
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Maximum interest free period
I was wondering when is the best time to use my credit card to get the maximum number of interest free days? My statement date is the 8th of the month. If I made purchases on the 29th of the month would it be added to the next statement or the one after? I haven't used the card at all yet. Thanks for any help.
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Barclaycard Card Protection
Hello, I've recently applied for Barclycard Initial and got accepted. Initially, I agreed to Barclaycard Card Protection plan. But now I'm thinking whether I really need it... Is it worth buying? They say that I would be covered up to £100 000 insurance against fraudulent card use, etc. It costs £39.99. Does anyone have…
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Barclaycard DD and online access.
Was not to keen on the idea of setting up a DD but Saturday Morning I decided to go ahead and set it up for my Platinum. I logged in online and set up a Direct Debit for Full Payment each month. Have some questions regarding the time it takes for it to kick in. I have read in other posts that it can take weeks, but I…
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BA Amex offer: is this a good deal?
Hubbie got this AMex offer in the post. Is it a good deal? British Airways AMEX premium Plus card Spend £3000 in the first 3 months and get 18,000 bonus miles. Plus earn 1.5 BA miles for every £1 spent on anything or 3 BA miles for every £1 spent with BA. £10000 spend in a year and you get the companion voucher with upto…
