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Can't get credit?
I am trying to apply for a credit card and keep getting rejected. I have applied for my credit report which is good/excellent other than the electrol roll which is 'fair' due to me only being on it for 2 years. I do know that my property was repossessed at one time or another before i bought it but this info is not showing…
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How can you tell what of your balance is purchases and what is Balance transfer?
As per title, I have never been in the position yet where I have used a credit card for a balance transfer and purchase at the same time. Noob question, but how do you tell what of your say £1000 balance is made up of purchases and what of it is from balance transfers? Do they come up under different sections? So say after…
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Buying with credit card direct
I recently booked a hotel break and gave credit card details at a flower show and was told confirmation would be sent by post. Arriving home I visited the hotels web site only to find the worst reviews i have ever seen. I need to know what my legal rights are regarding cancelation etc. I will be most grateful for any…
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MBNA 0% BT & 0% Purchases query
We had an 0% BT offer a few months ago which we took MBNA up on. The promo end date is May 2012. When that date comes, we will hopefully BT the remaining amount onto another 0% offer or pay it off if there are no worthwhile offers on the go. We now also have a 0% purchases offer on the same card so if we buy something that…
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Capital One Cashback
Hi, How strict Capital One is for their World Cashback against MBNA Amex cashback card? I applied for Capital One World card with 5%cashback for first 3 months then 1.25% unlimited cashback. They declined my application online but offered alternative card with 0.5% cashback only. I then went on MBNA website and applied for…
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Capital One Progress Card Increases Feedback
After having a classic account for about 6mths had an increase from £200 to £450. I decided to apply for a progress card was accepted with £1000 limit but card is capital one platinum mastercard. Just wondering what everyone elses increases have been? also time scale? think the 4 statement thing has been offloaded as i had…
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Capital One UK Mobile Site?
I've seen there's a m.capitalone.com site, but that doesn't allow me to log in using my details. I presume it's just a States-side site. Does anyone know of a UK-based one? It's frustrating having to load the full webpage on my phone to check things. There is an app, but not for Android, which is disappointing and slightly…
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Need help before applying for a credit card
I basically got myself into a situation, where I need to pay off my student overdraft. The overdraft is £3000.00. I also owe my mum £1000, which I had completely forgotten about. I got a bank loan the other day for £3000.00 and shut down my overdraft. My mum then asked for the £1000.00. I am thinking about getting the m+s…
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Reduce payment advice plz.
Hi i am currently paying of a dept to a dept recovery company at x amount each month, as agreed on the telephone. Because at the moment my finances are not as good, id like to reduce my monthly payments to the dept company. If the dept company were to be awkward about this, is there anything they can do to me example take…
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credit card default and paying off
sorry if this is the wrong section but looking for some advice In Jan 2009 I requested an arrangement to pay on 2 credit cards, Natwest and Capital One. They agreed but both defaulted whilst it was going on and it looks like it was for a late payment even though I have in writing from Cap One they would not whilst on…
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Travel Credit Cards
Hi all, my first post so bear with me. I am about to spend in the region of £9000 paying for wedding/honeymoon. I am in the forces and deployed overseas currently, so I will have this money at my disposal by the end of October. I am trying to find out what my best option is in terms of Travel Credit cards, we are looking…
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Next on credit file
Hi All, I applied for a next directory account in 2009 and it got rejected. It shows on my file as opened around Octotber 2009 and settled around May 2010. I was under the impression that it should show as a search and not an account which is seperate thing altogether on credit expert? Any ideas??? Martin
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Credit file score
Hi All, I have a credit score of 674 and is classed as poor. Just wondered about people who have had the similar score or score on orange if thinking of the scale; and what they did if they wanted any credit. I really wanna move my TSB loan to to get rid of them and wondered about any possibilities about what I can do.…
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Mint Credit card 3rd party charges help
Hi, Mint seem to be putting barriers up when it comes to my helping a relative re-claim default charges. They say one has to have power of attorney on the account via a solicitor ... is this true? even though they have provided info on various charges posted on the account. Can anyone help?
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Another Clarity card Question
I am going to use my new Clarity card to withdraw cash in Greece, if my statement date is on a Monday, what is the latest I can withdraw cash to make sure it goes on my statement date on that Monday, assuming I allow 3 days, do they have to be working days, not weekends, for example if I withdraw money on the Saturday and…
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using paypal to transfer money from a credit card
Is it a legitimate technique to send money from a credit card to a friend, for them to bacs the money into your current account? Is it possible to make this show as a purchase rather than a cash advance,thus avoiding paying a high rate of interest to your credit card company? I honestly don't know if I am allowed to do…
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Paying rent on credit card?
Hello, I am wondering if it is possible to pay rent by credit card (or any other similar payment)? I usually do direct bank transfer into landlord's account every month. I just got a tesco clubcard credit card and thought it would be great to receive clubcard points on rent, that's my biggest spend every month. I don't…
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Rewards Credit Card
Hi, I am coming over from Canada... so I am totally new to the UK market. I used to have MBNA and AMEX credit cards. Seems most credit cards in the UK are focused on balance transfer and low interest rates. Since I always pay my balance monthly, I don't need that kind of thing and am trying to get the best rewards credit…
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Credit Card Shuffle
My next door neighbour has asked me about shuffling one of his debts. He has 2 cards 1 with apr 22.9 and another with apr 24.8 he wants to move 2500 from card 2 to card 1. Is he going to save anything over the years or is this a pointless shuffle for such a small difference in apr. I told him it would depend on the…
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Don't completely understand how my credit card works!
Hi, Sorry, I've tried searching everywhere on the forums and articles on the main site... It sounds ridiculous, but I don't completely understand how paying my credit card statement works! I'd really really appreciate it if you could give me a hand :) I have a credit card (Halifax Clarity Mastercard), which I use very…
