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Credit Card Rejection/Acceptance Randomness
I am rather confused about how credit card companies reject or accept people for their cards. I have held a Barclaycard before and a Halifax card before - they were closed after paying off the balance as some advice claims its better to close cards without a balance instead of keeping them. But I have recently been…
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Cancel my credit card
I am going to cancel my credit card. Just a heads up for money loss.
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Delay in billing on credit card
Please can anyone advise me? I had a query on my credit card today & phoned to check it. As part of that call the operator related to me all the transactions for this month & I was amazed to hear that the first two dated from 23/6/2009. They were from two different companies. I have asked why they have only just appeared &…
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Balance transfer or not??
Looking into transferring the balance of my existing card that is no longer 0% to another card, should I get a balance transfer card with a one off fee? Or apply for a 0% card and just pay the balance of my existing card with the new card? Thanks peeps :j
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Section 75 Flights Query
Hello, I booked flights some months back with Kingfisher Airlines from London to Bangkok return on 30th March and 21st April. It's looking increasingly likely that this flight won't go ahead with Kingfisher's difficulties. My travel insurance is telling me that I'll need to claim from Kingfisher, but I imagine it'd be like…
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what happens next?
Hi, previously I came on to the forum to mention an unauthorised transaction on my credit card that occurred in a local store. I had visited the store on the day but made a transaction using a different credit card that is held on the same account. When my statement arrived I did not recognise 2 transactions that occurred…
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any other option than Virgin CC for money transfers?
I already hold a Virgin card and want to transfer £2k into my current account to pay off a loan that is at 6.7% interest rate. Virgin have offered me 9 months at 0% with the 4% fee - as opposed to the 20 months they are offering new customers. Does anyone know of any other cards that offer better terms? thanks
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Vanquis...good or bad for someone on limited income
My work colleague was happy last week as she was passed for a Vanquis card, was happy for her as she was BR few years back and has worked hard to get her credit record straight...she knows to pay this off fully every month etc. Today over a coffee break I asked her about the application procedure to apply for one so she…
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How do I escape high interest charges?
Hi all, I'm a new kid to the site, I find myself in desperate need of some skilled advice to tell me if there is a way out... The facts are, I have 4 credit cards, amongst other managable debt. The killer credit card I have is Barclaycard Gold, had it for 15 years. The balance is £5,900 with an APR of 26%, its killing me.…
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Vanquis Account Details
Hey folks I'm in the middle of moving house so my stuff's all over the place. Wanting to do a balance transfer from Vanquis to Capital One, but they don't like 0000 0001 (on Vanquis' site) as the payee account number! So if anyone knows what it is, would appreciate it. :)
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Card Tarting?
Hi Guys, I recently got accepted for a 'super' balance transfer card. Which i'm using to pay off my current account overdrafts. The 0% interest period is for 20 months - Would it be better to setup DD/SO's to pay off 1/20th of the the amount transferred per month over the 20 month period (therefore having zero debt at the…
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BT MBNA Credit Card- Wont Replace Card?
I have a credit Card through BT, which is an MBNA card, I haven't used the card in while so it has just been sitting there as an empty £3k card. In January I wanted to use the card, and realised mine had expired and that they had sent my card to my previous address. So I called them up and they said they would send me my…
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Credit card
Hi can anyone help, I used to have a credit card who was with Liverpool Victoria, but now they have been taken over and nobody knows who with!!!!! Can anyone help? please
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Settled Accounts on Credit File
Do settled accounts (credit, loans, bank accounts) go against you on your credit report if/when you apply for new credit? I have quite a few loans/cards that have been paid off or closed over the year and still a few years to drop off the report.
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Want cheaper rate on Tesco Card?
Just phoned a few cards that I have used on balance transfers over the years to cancel them as no longer required. When I phoned Tesco to cancel their card, straight away they offered to lower the interest rate from 16.9% to 7.9%.
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Payment dates v Statement dates
Hi all, Hope you are all well. I am with Vanquis and this month I noticed that they had added a "Billed Deferred charge" to my account. They made me aware that this charge is added if you have an amount on your account when your next statement is printed even if you have already paid your bill in full. Eg: Payment date is…
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Evans mastercard from Santander cs query
Hi all I will try and keep this as brief as possible and hope some kind person can help me! some years ago I opened a card account with Evans ( part of arcadia group) backed by GE money you completed an application form and GE money gave you either a store card or a full credit card - which accrued loyalty points for each…
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MBNA a/c closed 6yr ago - chased for 2011 transaction
Apologies, a long one - but views welcome Had a call from MBNA tonight out of the blue regarding an account which was closed in December 2006. The guy from MBNA called my OH tonight, to discuss the outstanding amount of circa £150 which has arisen as a result of a £74 payment made to "cardguard" on this account in July…
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Barclaycard - new T&C re CPA's
I know there is another thread about the amended terms and conditions from Barclaycard but I thought this deserved its own thread. From the end of May you will apparently be able to stop recurring transactions and they will even refund any payments that you may not have authorised or forgotten about. Details:How you can…
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Virgin CC - Super Balance Transfer?
Hi - quick question - i have had my Virgin CC for a few months now, still have about 12moths left on 0% for BT. I am on -2k, with 3k limit. Can i still SBT the remaining 1k to my current account and will the new BT be at 0%? Thanks
