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Capital One
Hiya Haven't used the card, in fact destroyed it, about three years ago. Still paying charges galore. Hubby has offered to pay it off, just about 350. They won't take any money off if I clear the debt but offered to set up a payment plan. Basically, we want to pay it off with a reduction and they won't budge - pretty hard…
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Barclaycard/ Credit report problem - HELP
Hi I had a i24 card for years with about £6k on it in August I had the money to pay it off so I called Barclaycard and asked how much to9 close the account I was told £6314 and I double checked that was all I needed to pay. I then wrote a cheque out and the guy told me that he could not guarantee that the DD payment would…
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How long does good credit rating last?
Just a question i was wondering about... My problem (that's in the process of being fixed) was that I've never really used credit, so until September I haven't been 'on the radar' to be able to prove I can manage money. I'm paying a small amount onto my Cap One credit card every month (<£30) and paying it off the next,…
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First CC, £500 limit, is this a joke?
£500 is nothing, I was hoping for at least £1000 for stoozing. Can I ask for a higher limit?
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Making a CC payment to someone who doesnt take CC's
Hi, I'm having some building works done. I will have to make a payment to my builder of about £10k. I would like to do this via credit card as I have a card with a limit that will allow me to do this. My problem is that my builder doesn't accept credit cards. How do I pay him without incurring ridiculous "cash withdrawal"…
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Monthly payment store clubs
My partner has received their monthly account throught the post. With it is a notice of a change in terms and conditions. They are changing the monthly payments to every 28 days. This converts 12 payments/year into 13, effectively raising the yearly interest rate through the back door. Is anyone else aware of this?…
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What protection dio I get if I only pay the deposit for our holiday on a credit card
If we pay the deposit for our holiday( in our case £150 per person) by credit card then pay the balance by debit card, does the credit card payment cover the whole holiday (both deposit and balance) if there is a problem. Or is the maximum amount covered by the credit card restricted to the deposit and the rest covered by…
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egg/Barclaycard transfers - check your statements
I'm more of a lurker than a poster here, but I just wanted to warn all ex-egg customers who have recently been forced to move to Barclaycard about some problems I've had with interest charges. I always paid my egg card off in full every month. I've just got my first statement from Barclaycard and it had an interest charge…
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When and What to apply for? Advice from those who've been there
Hi guys So my situation is as follows; Been with Halifax for 4 years, in July 2011 they approved me for a current account, which I now have. I have an overdraft facility on that account for £100 (which I asked for) although I have never used it and hopefully won't but if I screw my accounts or forget about something it's a…
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Refused for credit card and no idea why
Evenin all! Originally posted in DFW but didn't get many takers. I applied for a John Lewis credit card the other day (jointly with my partner) and got refused. Hmph. No reason given, just a big fat 'no'. We've got a credit card already which we've always paid off and never been any trouble with it. I've had (arranged)…
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Been given a credit limit increase, is it best to reduce the limit if I wont use?
As above Vanquis have given me a credit limit increase for managing my account well. I first got this card to rebuild my credit file by making purchases each month and paying off in full the statement. They have now given me a couple of increases. Originally from £250 to £750 and now one for £1500. I never use any more…
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High limited or lower limited?
I have applied for a Credit Card,but I not sure which one to choose?a High limited or lower limited.the high one is twice as the lower one. any suggestions?
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money transfer into bank account
First post. Be nice :) I have been searching the Internet for a loan. Reading on here it has been suggested a credit card would be cheaper. From what I can understand would it work out like this.. I get my credit card with 20 months interest free. I ask my credit card to do a balance transfer to my bank account. So let's…
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paying tax bill with credit card
Hello, I'm self-employed and will pay my tax bill in Jan 2012. I have what I owe in a savings account ready. My wife has a Sainsburys and Tesco credit card, both that earn either clubcard or nectar points. I have the option to pay the tax bill on a credit card. If my tax bill was paid by either of these credit cards, would…
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Cash from credit card advice
Hi all, I have an Argos card. It was great during the interest free period and I took it out with the intention to pay it off asap and whatever wasn't paid off was to go to an interest free transfer credit card to pay the rest off. Sadly, this didn't go to plan. I called Argos today to pay off my balance. They told me what…
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Building credit back up?
Evening MSE'ers, I'm not sure if this is the correct part of the forum (hope somone will point me the correct way if not) I came out of a DRO about 6 months ago and want to start building my credit history back up. I have my mobile and car insurance on contracts to pay monthly. However I was looking to get a credit card to…
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Ref: Returning goods for a refund SAFETY.
Hello, i wrote the other day about recieving an order that i paid for online with visa credit card, that i was not happy about regarding the "fitness of goods" recieved.I tried to contact the company to no result, then asked visa to send me claim forms. However the company DID contact me yesterday and today to say that…
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Very Catalogue Problem
Good evening all, Firstly sorry for posting here, I couldn't locate a forum thread for catalogue related enquiries. Just looking for a few legal pointers if ok with regard to my wifes Very catalogue account. All operating correctly, payments made on time etc and enquiry not in relation to this. My wife placed a few orders…
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cruising
which is the best/cheapest credit card to register with a cruise line (ie; Holland America) where $ is the only accepted currency? I have used cash $ before, but Holland America insist on $60 a day, which if I don't spend, the refund is $ cash, which I may not need again for a long time...
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Simple questions from a simple newbee
Hello, I think I want a credit card but I do not have a job currently (I quit my last job first week of Nov and will get work soon , I have had interviews and have temp work lined up). So my question is should I get a credit card? If so what one? And only one? I spend a lot on Petrol driving 25 miles a day (When I work),…
