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Cap 1, ruined limit increase chance?
In July 2010 a year ago I opened a Cap 1 account. The limit was £100. In January 2011, the initial limit was increased from £100 to £400. In March 2011, I inadvertantly went over my limit by £7 for two days, but immediately paid in £40 - no other mishaps have occured since the card was opened 12 months ago. A few days…
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Newbie to CCforum need help with nationwide
Hi All, I've got 3k OD in my current account, for which I'm paying interest of £42 a month, this can't go for long, So I'm looking for an CC that transfer balance from a current account OD. The card that I'm more likely to go for is from Nationwide as I've got some of the other cards like Postoffice and Egg - Barclay card…
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M&S CC v Lloyds Duo Reward Schemes
Hi, I wondered if someone can advise which card has the better reward scheme i.e. the represents better value. I have an M&S card which I use as my principal card. I never pay interest. I occasionally shop in M&S and I always redeem the vouchers for say, shirts for work. I'm interested in the Lloyds Duo card(s) as I would…
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(Tesco) Am i SUPPOSED to get a cancellation confirmation?
Cancelled my Tesco credit card over a week ago now. I'm fairly sure they said they'd send out confirmation, yet i'm still waiting. I can't access my Tesco online account since i cancelled, but that's about it. No paperwork. Shouldn't i be receiving some?
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Accidentally gone over credit card limit - HELP
Hi I have just realised that I have gone over my credit card limit, I am so cross with myself!! :mad: I keep a spreadsheet and update it every time I spend money (well clearly not always as I forgot one transaction this month). Can any of you offer me any advice as to what to do to limit the negative effects of this…
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Dormant Credit Cards?
Hello MSE. I will try to be brief. 5 years ago (when i turned 18), I took out a capital one credit card, purely to boost my credit rating as I was planning to get a mortgage ASAP (which I did 8 months later). I used it only a couple of times, paying off the balance each time in full, and then once I bought my house, I…
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Claiming a charge back, is it possible?
Hi, just wondering if anyone can help really as i don't know much about credit cards. We've just been away on holiday and rented a car and had to give my credit card details for them to release the car. Didn't opt for any optional extra's, signed the contract and off we went. On return of the car it was scanned and no…
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Going over your limit
Hey guys, I just noticed that on my vanquis card it says Balance carried forward£243.48 Credits to your account£243.48 Debits to your account£248.61 Current balance£0.00 CREDIT LIMIT Credit limit£250.00 Available to spend£-3.50 I was sure tho that I had 4 pounds available to spend, I used the card yesterday at boots and…
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Halifax Clarity Card Advice.
I am off on my holiday to New York in November this year (pretty eager forward planning I know..) and have come across the section on the MSE website regarding travel money. Having read a few threads on the Halifax Clarity Card I just wondered if anyone could help confirm a few questions.. I am saving at the moment, and am…
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Argos store card.
i have a argos store card with 6 mounths intrest free i paid one month late and now thay say i owe intrest on the six mounths can any boddy help thanks neil.
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Bank Default from Hsbc Plc - I was 15 Years Old
Hi, I've recently turned 19, so I was 15 in 2007. I've just checked my equifax credit report for the first time and found this: Bank Default from Hsbc Plc (I) / XXXXXXXXXXXXXX Name Mr XXXXXXXX Date of Birth XX/XX/XXXX Terms 0 @ £ 0 (Periodically) Status Settled Current Balance £ 0 Start Balance £ 0 Credit Limit £ 0 Default…
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Help needed to improve my credit score!
Help! I have a poor credit score and don't know how I can improve it! This site says I need to make payments but the more I apply for credit (and get refused) the worse my credit score gets! I have never had a credit or store card in my life and even my mobile phone (which I have paid for religiously for the last 10 years)…
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Overdaft transfers
Hi there I'm new to all this so apologies if it's obvious! Is there a credit card I can transfer an overdraft onto rather than a credit card! Many thanks DCG
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Should I cancel a credit card that has a zero balance?
Hi there I'm in the process of some debt consolidation! I have just cleared my Barclaycard balance and I am now wondering whether to close the account or just leave it at a zero balance. Please can anyone advise which would be best for my credit rating/score? I don't plan on using this card again but I have small balances…
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Transferring credit card balance
Hi, My husband and I have recently split up and I'm trying to sort some financial stuff. He has a credit card which he took out in his name but it was used to pay for my car. I want to take this off him...what is the best way. Should I get a credit card with 0% purchases so I can then pay the balance on his? I'm a bit…
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Barclaycard BT Query
I have just taken advantage of the great 0% BT Barclaycard are doing. I transferred 2 CC balances on the 24th June, bot of which have gone through fine. I did another one on the 29th June to my Natwest CC. When I did the previous 2 BT, the balance on my Barclaycard was Pending. However, when I did the Natwest, the…
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Advice on cleared cards please
Hello, I have 2 credits cards with zero balance on them. Will it improve my credit rating/ chances of getting another card if I close the accounts? The credit limits on the cards are £10K and £2.5K
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Short term borrowing
I'm going to Italy a week Sat & my pay won't go into my account till I get home. I need to pay for excursions & food, £500.00 will easily cover it. I can't get an overdraft or credit card because a payment bounced on my account last month due to insufficient funds. This was a one off event. I'll be able to pay the extra…
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Order of payment application - Tesco Crediot Card
Hi all, I have a Tesco credit card with 9 months @ 0% for balance transfers and 13 months for purchases. I have a mixture of purchases and transfers on the card. If I make a payment, what does it go against - the one that would cost me more interest (the balance transfer)? Thanks
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retention offers?
hi. I rang up virgin to cancel my credit card today. (the 12 mnths 0% on it finnishes soon) the lady on the telephone persuaded me to wait a while because they may offer more interest free after that. was she just blagging it to prevent me from closing the account? or is it normal for them to offer 0% for a longer period?…
