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Finally got rid of my credit cards.
Right cut a long story short Well sort of short, it basically escalated around three to four years ago and escalated into applying for credit cards type Of addiction where I would get a buzz getting accepted. At my peak I was carrying a Halifax, barclaycard, Santander, & nationwide and carrying balances of around just over…
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Refused Tesco Credit Card
Hello I have just been refused a Tesco Credit Card. I wanted it to maximise Tesco points. I only have one other credit card which I have paid off each month for years. No other cards or credit. No CCJ's or other debts. Checked Experion etc. and no apparent problems. Rent flat from a housing association. Only possible…
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Unenforceable Credit Agreements
I keep getting calls about this and whilst it sounds all too dreamy to write off my credit card debts (two of them pre 2007), I cant understand why the company say that there is a gagging order in the press about these claims. Of course they want my credit card debt amount voiced over the phone and that there is a charge…
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Expat Sterling Credit Card
Hi, I'm looking for any suggestions: I have a Halifax sterling credit card that is automatically cleared every month via DD from my UK bank account. I have had the cc for 15 years and never paying a penny in interest. The credit limit was £18,000 until two years ago when Halifax reduced it to £5,000; presumably due to the…
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A real gold debit (and credit?) card
Shopping in Curry's one day I caught the tail end of a show on one of the TV's. The show discussed a debit card with a difference. Instead of depositing cash into your account you deposit gold. I guess you do this by buying gold from the card company rather than actually putting your own gold into an account. When you go…
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Use overdraft to pay off credit cards ?
Hello all i am new to this site, been reading lots of interesting posts on here so thought id ask you experts on my "dilemma " I have been bad in the past ( 6 years + ) but have no CCJ's or unpaid accounts , late payments etc What i have outstanding Vanquis bank - £650 outstanding £3000 limit Capital One - £1400 £2000…
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Virgin Credit Cards
Hi, I am looking at transferring my balances to a virgin credit card as this would be my cheapest option. However I have seen through u switch that they are planning to hike APR rates for some of their customers, could this affect an agreement after formally agreeing the rates for a balance transfer? Thanks for any info in…
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Improve credit score and trying to understand debit
Hello, I just received my 1st experian credit report ever and I'm not quite sure about how I should do to do things the right way, for example, I have 3 doubts that I'd like to understand: Q1. Would I score better if I ask for an overdraft, or if I ask for my credit limit to be increased? Single Bank Account: * Overdraft…
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6 X Status 3's on credit file.
I have 6 X status 3's ( 3 months late on my credit file. This information is going to be removed this month by the bank in question because the ombudsman has forced them to do it. This is the only real negative information on my file. Apart from an arrangement to pay. Can I expect my credit rating to improve and by how…
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Bad Credit
Hiya I wonder if anyone can answer a question for me please? When you have been on a debt management plan has your credit record been badly affected in the same way as if you had had a CCJ or default? I only ask as I want to improve my credit history and have a Capital One card to help me with that but when I tried…
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cash withdrawal
From a tesco finest credit card with a credit limit of £9200 how much cash can been withdrawn from the card? Is there a daily limit from the atm or can this amount whatever it may be be withdrawn in one go? Cheers John
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Pay off Overdraft with Credit Card Balance Transfer
Hi there. I was just wonderring wether or not it is possible. For example, take apply for a formal £2,000 overdraft with HSBC, and then pay this off with the HSBC 0% Balance Transfer. Or maybe even pay off a HSBC loan with the Credit Card Balance Transfer Thank you.
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Credit Card Suggestions for Excellent Credit Score
I have an excellent credit score (Credit Expert), I have a mortgage and some other accounts, but no credit card. Credit Expert told me that it could help me when applying for a new mortgage if I increased the amount of credit I was borrowing. I would pay off the credit card each month by direct debit I guess. I'm not sure…
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Electoral Role Question
I have lived at my current address since 07/2004 and always been registered on the electoral role. However on my credit report it is showing as having been on the role from 10/2006, I haven't got a clue why? When I apply for credit, I always put 07/2004 for how long I have lived at my address, as this when we moved in.…
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Balance Transfer Credit Card 19 Year Old
Hi, I am in the process of buying a car for £2,000 and I am trying to make it so that I can pay low monthly payments, but not pay much interest. The way I am intending to do this is to take out 2 credit cards: 1- The Mule Credit Card 2- 0% Balance Transfer Credit Card. I am having a problem finding a credit card for step…
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Barclaycard credit limit
Afternoon, Was wondering if anyone has had there credi limit decreased with no notification. I have a £1000 credit limit with barclaycard initial It has been at around £900 for a while so last night I paid £400 off the card. Today I logged in and my credi limit had gone down to £650.00. I had no notification this would…
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Tesco CC Customer Service
Hi all, I recently contacted Tesco Credit Card to see if they would lower my interest rate ( after hearing a friend get it down to 7.9% for 6 months while I was sat beside him making the call). They refused even after going through to closures & after much arguing I decided to raise it as a complaint. Over one month later…
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Section 75 protection - why?
Does anyone know the reasoning behind section 75 protection being given to consumers - i.e. making the CC provider jointly responsible with the retailer for fulfilling the contract if any payment has been made using the card? It just seems odd, is it because the money is a loan for the express purpose of making the…
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Fraud
Been alerted today someone has used my card details to make purchases,i have security always updated,use MBAM to find anything unusual and use securecode when making purchases so how can it happen.Luckily i am not lible for these losses but it amazes how they can do it.My last online purchase was ZARA so it may have come…
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"declined" card transactions being "approved"??
Hi, I've gotten into a bit of confusion with card transactions for various tickets I've been buying for a holiday in america. Over the past few days I've had a transaction for an internal flight, and a transaction for an amusement park season ticket declined, due to "unmatched address", I ordered the flight through a…
