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Applying for credit card after 8 years
I hope I am posting in the right section if not pls. advice I am sure it has been asked many time before so apologies in advance If I apply for a credit card and get turned down will it show on my credit history and will it have a negative impact? I have been sent by my bank Santander an offer for their credit card (not…
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Balance transfer
I have recently applied for a balance transfer credit card and have had it declined. This has never happened before and the reason given was due to my credit rating. Having checked this with Experian i find that my rating is excellent and no searches have been made for well over one year. The only reason i can think of is…
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Declined for a credit card
Hi, Today I applied for the RBS/Natwest 20 month 0% finance for a balance transfer from my barclaycard but I was declined!! I checked my credit rating on experian and it says its excellent. I have never missed a credit card payment or mortgage payment or went into overdraft. I earn double the minimum income required. Would…
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Pay off car loan with credit card??
Hi there, about 12 months ago i got a £5500 car loan for 26months so i have 16 months left. i haven't checked but i think i owe about 3000. I was wondering if i should pay the rest of the loan off with a card? im paying £257pm at the minute.. thank you for your time.
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Credit Reports
When is best to get my (£2) credit reports from Experian and Equifax? I have used the free service in the past. I know most finance providers produce their CAIS report at month end [so tonight] but can take a little while to update at the credit agencies so want to get the best picture. I need to know which accounts to…
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Credit cards to build credit ratings?
I applied for a Capital One credit card for people with poor credit ratings, does this now help me improve my credit rating? If so how? I will pay off the balance before my 0% offer expires, i plan on closing the card account after too? Is this how to improve my credit rating?? Thanks
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Debt free journey
Hello All I am new here. I startred a journey to become debt free. I am getting help from CAP and at the moment I am quite devastated. I had a budget meeting with CAP and given the fact that I am unemlpoyed and on ESA I am looking for ways to save money. I am using everything prepaid at the moment. utilies phone and so on.…
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credit rating
looking for some help please, I have no credit none whatso ever never had a loan,credit card, moblie contract, store card nothing and whenever i have applied in the past to get something i have been rejected :S i dont know what to do, how can i get good credit if i cant get any at all? I am 23 work part time, my husband…
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MSE Blog: Don’t let contactless cards make you look a fool
Hi all, this is a thread to discuss the MSE blog: Don’t let contactless cards make you look a fool "I’ve been getting nasty stares as I enter my local train station over recent weeks, like I’m some kind of pariah, for the heinous crime of my Oyster card not opening the gates quickly enough in the London rush hour...."
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how long does it take to transfer your balance to another card?
my o/h is looking to transfer her balance form her tesco credit card to another 0% card. we are both a bit new to credit cards. how long would a transfer take?
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Capital One App
Couldn't see it mentioned here but thought it worth mentioning that Capital One have launched an App for iPhone and Android devices. Having used it for about 5 minutes it seems very good so far. UPDATE: If you have more then one account / card then use the one you would like to have access to as you can only register one…
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Can I pay my late tax return penalty by credit card?
Hi everyone! I have just received a letter from HMRevenue: penalty of £100 to pay... I thought I'd done this tax return last August but have checked it now and it was only 90% completed. I don't how this happened. So silly :( ... Can I use my credit card to pay it? Thanks Anya
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Disputing 'Contravening a Red Light' offence
Hi, Amidst a moment’s lack of concentration, I recently went through a red light. Never broken the law in any context before and I know some of you will think I deserve my fine and points etc (even though it was accidental and a late changing light). However, I have received the NIP and it says Contravening a 'Road' light…
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is this idea possible??
quick question i have a 4k loan with santander i want to pay off i just got a 3k virgin card with 20months free on money transfers and i also just got a nationwide 2.5k with 17 months free on blanace transfers (before you ask nobody will give me higher limits as im on a low wage after redundancy) if i transfer 2250 from my…
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Rejected by Tesco
Hi, I applied for a Tesco credit card online and they approved me for a £2500 limit only for a few days later be declined by post. My Experion credit report is fine barring a missed payment on another card. This black mark was actually NatWest's fault as the wrong minimum payment was shown on the website when I went to…
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Closing Credit Card?
Hi guys, just wondering if closing my credit card account with BOS will affect my credit rating? Just signed up for the Tesco one and want to keep things simple and only have one on the go at one time.
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Best place to get a Student Credit Card (and build a credit rating?)
Hey I'm 20, a full-time student with a pretty decent part-time job. I've been with HSBC since I was 13, but they've just rejected my application for a credit card. I don't actually want one to use, I rarely use my overdraft, but one day I'm gonna want a mortgage and it's not gonna happen. Where am I likely to be accepted?…
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Cannot pay by cash ? What the ?
I have just received my statement from Tesco Credit Card. It says on the front:- "Please Note you are no longer able to make cash payments to your Tesco Credit Card account, over the counter at a bank..." Has anyone else noticed this ? Has anyone got any thoughts on this ? Why would "they" want to restrict paying in this…
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Payment dates
Does anyone know how easy it is to change a payment date on a CC? Also, if I say, pay a little more than the minimum on the payment due date, then pay the full balance off the next day (when I get paid), so before my next statement is due, will they still charge me interest on it? First month that this has ever happened -…
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Capital One - a bit disturbing emails
I got 2 emails from Capital One. One saying "Thank you for calling us to register your card for online banking". The other one sending my temporary password for online banking. What the hell? I haven't received my card yet! Thoughts?
