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Apple iPad pre-order on CC, disappearing act!
Hi everyone I am a long time reader of MSE but thought it was time to join the forum. I wondered if someone could give me some advice. I pre-ordered the new iPad last Thursday for delivery this Friday 16th March on my Halifax one credit card. I checked my available balance on Friday morning and it dropped £399 as you would…
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Balance transfer quick question
Hi, My 0% deal is about to end on my Barclays Account. I have been offered a year 0% balance transfer by Virgin Credit Card. So I can move it anyway. Would it be worth asking Barclays if they can give me another year 0%? I have a very good credit rating, so thats not a problem. Just wanted to ask here first before sitting…
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Knocked back by Barclaycard
Looking for some advice or suggestions following a knockback from Barclaycard for a balance transfer card. I've already checked my Experian report and my rating is "fair" with 870 points (apparently 880 would place me in the "Good" category). EDIT: Just updated my score and I'm now at 907 points so definitely in the "Good"…
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Bit of a mess
Hello Wondering if anyeone might be able to offer some advice? I currently have £22854 worth of debt spread across 3 credit cards;* £4540 on Barclaycard APR 16.9% * 5059 on Santanda APR 25.9% * 13,255 on MBNA APR 29.9% At the moment I am making the minimum payments each month which come to roughly £500 a month. I can just…
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Foreign Currency: To buy or not to buy?
Just a note to anyone going 'abroad' and wondering if they should get local currency for the trip. My tip is don't get too much. Use your credit card wherever possible. OK, it varies a bit from currency to currency, but my investigations find that, while the CC will charge you 3%ish for using the card abroad, most foreign…
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Advice needed re Capital One
Hey guys I have been lurking for ages on moneysaving, and by following tips have managed to pay off a £1300 debt to Next in three months yay! Now, I have a remaining debt of £1900 on my Halifax credit card. I was planning to hit it hard over the next few months like I did with Next, but my mum has lost her job and I am…
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Asking Existing Credit Card For Help
Hi guys, I'm self employed and have some debt (2k) on my Halifax credit card. Unfortunately I'm on the sick and freshly out of hospital recovering for the next 6 weeks. Year 1 of self employment hasn't been great which is ok as I was expecting things to take time but on paper I'm sure this isn't going to leave me with…
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Credit card understanding for dummies?
I keep reading these leaflets and I still don't get it. I have a Vanquis credit card with a 39% interest thing. I just don't understand what that means, 39% over how long and how much. If I had 100pounds, does that mean I pay them back 139pounds at the end of the month? or the year, or the week. And this 3% on cash is just…
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credit card unpaid debt over 4yrs ,worthiness to pay off now ????
Hi all,Thank for reading this .I would appreciate your suggestions if you have any . The story:I had a capital one credit card with debt of £1500 back in 2007 ,lost job& could not afford monthly repayments, so asked them to lower down but could not reach the agreement .So I stopped repaying them .Since then I have not paid…
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I used the cashpoint with my Vanquis credit card, now I'm worried
I'll be truthful and admit I went out and we ended up rather drunk and I withdrew 140pounds from the cash machine with my Vanquis card, which is the 39% rate anyway as I got into big trouble when I lost my job. According to my statement each withdrawal was charged 3%, so that is only 9 pounds in charges for the night as I…
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Credit limit increase question ?
I am using 3 credit cards but their limits has not been increased since i got that, i have never missed any payment or don't have any negative on my credit file . HSBC credit card using from Feb 2010 credit limit £500 Barclays Initial credit card Sep 2010 Credit limit £800 Capital one Sep 2012 Credit limit £200 I have…
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getting accepted for cc - credit file updating question
I want to apply for the Lloyds Duo card. I got rejected for 2 cards about 1 year ago and haven't applied for any new products since then. What does everyone think about my chances of getting accepted based on the below? I already have a CC with another bank and they increased my credit limit without me asking about 6…
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Capital One Classic?
Hi all, Just recently applied for a Classic credit card with Capital One. I have a HSBC business commercial card which I pay off the payments every month but for my personal account I wish to build my credit status. I used to go overdrawn with my personal account but have stopped this in the last four years. When I applied…
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Credit Cards vs Prepaid Cards for rebuilding credit
Credit Cards vs Prepaid Cards for rebuilding credit Iv seen that the Prepaid cards are good for rebuilding credit. Are they as good as getting a credit card. What is best?
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Widower
Sir,My dear wife passed away a few day`s ago.She had a credit card in her own name and as far as I`m aware there were no insurance taken out.There is £1.700 still owing.I handed the card in to the bank today,(Halifax) and they insist I must pay my late wifes outstanding amount.As my name is not on the card are they…
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credit card refunds
going to buy season ticket for train travel that i may not need if i buy with credit card can i cancel nxt day or maybe even same day will money have left account or not or would i have to wait for train comp to refund money
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Amex Preffered Gold or British Airway Card?
Dear all, please advise me, i already have a mastercard with natwest, i have considered the world your points card but was not too sure. Im looking to apply for the amex gold or BA miles but im confused, could anyone please help, is the 125 annual fee worth it. id mainly be using the card as i travel aboad for hotels, car…
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will they repay me?!
Hello sorry if this is silly but Ive been searching online for ages to find an answer- basically good old Santander are adamant I owe them £105 and I am 99% sure I don't ( a mix of them messing up a lot, late payment fees for 3p, them telling me I owe them nothing, sending correspondence to the wrong address and obscure…
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MBNA default notice - what next?
Hi hope im in the right section, i was having trouble paying my MBNA cc when the rate of minimum payment % went up last year. the minimum payment were over £500 i called up explaining my finacial difficulties and they were great agreed to reduce payments to £225 per month freeze interest for 6 months. ive since made all…
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creditcard taken away and no idea why
Hi me and my husband have had a credit card since 2004, we mainly pay the minimum payment with the odd bigger payment, we receantly made a large payment and bought the balance right down, we have never defaulted on payments, been good customers etc I noticed we needed new cards issuing at the end of march and emailed them…
