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Balance Transfer Processing
Hi everyone, I'm aware that this might possibly just be me being paranoid, but I'm hoping for either some advice or some reassurance that I am just being paranoid here! I have some debt on a Virgin credit card which I've been paying off slowly. Wanting to speed it up, I applied for the Barclaycard Platinum 0% balance…
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Post Office Credit Card - Interest charged on 0% balance transfer
Hi, Not sure if this is standard practice across other credit card companies. But the scenario is as follows: Took out credit card last year to take advantage of lengthy 0% balance transfer. Have been making above the minimum payment due each month so not to get charged. Used credit card last month whilst abroad and then…
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Barclaycard BT issue
Just wondered whether this has happened to any of you lot and if it had what was the resulting outcome. I recently took up the fantastic deal from the BT section of the website (Barclaycard BT 22 months 0% etc). Followed the application and requested a BT of £2100 from my Tesco card to the Barclaycard. Got the call to…
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Declined (again) for credit card - no idea why
I applied for a Virgin credit card yesterday to re-finance an expiring Barclaycard 0% deal - and was auto rejected. This also happened 6 months ago with HSBC - and I made sure I waited 6 months to apply again. I have never missed a payment ever, earn £81k. have a £175k mortgage (35% LTV). Credit report shows score of 916…
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Mortgage on Credit Card
Hi All, I have quick question. Is it possible to pay your mortgage on a credit card? Don't get me wrong, I am not in financial difficulty, but it occurred to me that my mortgage is my largest individual monthly outgoing and I figured i may be able to rack up a load of air miles or other points if i were to pay it on a…
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Barclaycard Payment Minor Issue
Just been paid, so go to pay off the full amount outstanding on my Barclaycard (I pay it off in full every month). A payment wasn't due (according to Barclaycard as it assumed a refund from gambling winnings as a payment) - but as I went to pay off the remaining balance, £7.10 was stated as pending, but was included in the…
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Littlewoods Credit!
Hi all, forum newbie here so be gentle. I apologise if this is in the wrong section. Here's my story though. I opened an account with Littlewoods a couple of days ago.I was told I had a credit limit of £750. So I decided to order new shoes at £48. They arrived yesterday no problems. The main reason for me opening my…
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0% Balance transfers - next easiest card to get after Capital One?
As per the title really. Just got a £1,000 of Capital. Wondering where to head next. No CCJ's or similar but got turned down by Sainsbury's last year. So a provider that others have had success with (already got Barclaycard,Tesco and M&S). I liked my Capital One application - they didn't ask many questions :D
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Vanquis sent me pre-selected invitation to apply for their cc
I have never applied for their credit card so wondering how they managed to get my details. The letter is already partially filled with my personal details. Ps I think its poor way to target potential customers. I don't think I even fall into their ideal customer spectrum. I have over 18k available across 4 credit cards…
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Closing credit card accounts
I have 2 credit card accounts, one with Barclaycard that's been open since summer 2009 and one with Lloyds that's has been open about a year. Both cards have a £0.00 balance and the cards were physically destroyed months ago as they werent being used. Infact the lloyds one was never used at all. I want to keep one of them…
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Paying Busines tax in UK
Hi, I would like to pay my taxes in the uk and stamp. I reside in Spain would like to strat up as self employed and register my business in the uk. I would be dealing with suppliers in the UK & Europe. can I d o this? and if so is it complicated?
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Declined Credit Cards. Credit report Late Payments
Hi there. Been trying to apply for a credit card today but got two declines so stopped trying and had a look at my credit report via Equifax. Turns out I had 4 late payments registered for an unpaid bill at the end of a lease agreement for my car. I got rid of the car and went travelling only to find that I had a mileage…
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PPI Claim
I would like to try to claim back my PPI from my Credit card Lender. Unfortunately, they cannot provide me with the original Credit Agreement and have suspended my Account. I amstill making payments to the account even though they say the debt is unenforceable. What do I do now?
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MSE News: Credit card annual statements to show true cost of plastic
This is the discussion thread for the following MSE News Story: "Every credit card holder will receive an annual statement over the next year, showing full fees" Read the full story: Credit card annual statements to show true cost of plastic
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Reducing Interest Rates on Credit Cards
Ok so this one may be interesting to some people, In 2005 i decided to do an extension on the house i took a 2nd mortgage and decided to use my credit cards to decorate in the view that i would pay them off quite quickly and not prolong interest on a higher 2nd mortgage. I had never missed a payment and was very rarely…
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Close credit card account for mortgage?
I have 2 credit cards & i'm in a position to close the accounts as i've just cleared them both. I intend to apply for a mortgage so I wondered if I should close the cc accounts? I've heard that some mortgage lenders use a ratio of balance vs available credit limit. Is this true?
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Barclaycard 0% Offer "Soon"
Just been informed by a customer loyalty rep at Barclaycard that in "April or May" they will be offering 0% balance transfers to existing customers for "between 18 and 24 months". All a bit vague but may be of interest to some people, I hope.
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Credit Card debt write off
Hello, im looking for some help. I have recently asked my Credit Card provider to provide me with a copy of my Credit Card Agreement so that I can look into claiming back PPI. The Provider has sent me a copy of the Terms and Conditions but are unable to send me a copy of the original Credit Agreement. I cannot remember…
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Nationwide Select Credit Card
Hi, I had a credit card with Nationwide which ended on 31st August 2011. The T&Cs of the Nationwide Select Credit Card state that you cannot apply if you have had a Credit Card with Nationwide in the last 12 months. Has anyone managed to get one even though they had a credit card in the last 12 months with Nationwide?…
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Household Income
I applied for a new credit card, just to use for travel as there are no overseas usage fees on it. The application form asked me for other household income, and I entered my wife's salary, as she is part of the household. They then gave me the credit card with a £5k limit, even though I'd just got a credit card from the AA…
