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Advice on which credit card for university?
Hi, I would like to take out a credit card before I go to university because I have very little in the way of family support and will be pretty much independent of any financial help come september. I'd like to know if the barclaycard simplicity would be a viable option because of its now APR (barclay card platinum…
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Credit Reference Agencies
I have recently closed a few credit card accounts (over the past year). When I look at my credit report it shows them as settled, along with a date, but is does not seem to indicate that the accounts are closed. Does anyone know how the companies searching my records know that the account is closed rather than just a zero…
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help with credit card
Please can someone clarify the 0% balance transfer for me. I'm currently in the process of getting a halifax credit card which has a 0% balance transfer for 17mnths. I want to pay off my overdraft from another halifax account? can I do this? and does the 0% intrest mean per month? so as long as I pay what i OWE off by the…
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Capital One Approved
Hmm, Well I dont have the best of credit files, I put my details in very quick application. Got 3 ticks when it performed all the checks, Then it said i was approved, said i would get my card in 7-10 days, Quite surprised i got approved. Signed the agreement. But i wont be surprised if i get a letter saying "sorry due to…
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Minimum payments (or just over?)
Sorry if this question has been answered before, I did a search and couldn't find anything. I am under the impression it is generally not good for your credit report to pay only the minimum on your cards each month. I believe you get points for paying more than the minimum, if you can't afford to (or don't want to) pay off…
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Credit report issue
Hi I've signed up to both Experian and Equifax and I can see that the credit cards that I've paid off in full last month are still showing on file as outstanding. One card was last updated on the 8th May and I was wondering if there is any way of correcting this? Reason being is that we want to get a mortgage quite soonish…
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Possible Dubai card fraud- does this sound dodgy!?
Looking for a bit of advice from you lot please as I'm in an unusual situation. My brother and his wife are going on holiday to the Atlantis Palm hotel in Dubai next week and they will both have their birthdays while there. I decided it would be nice to book some sort of experience for them to do over there as a birthday…
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Closing my first bank account
Just wondering, when I fill in application forms (credit cards, etc..) it usually asks for the bank and how long I've been with them does it matter whether I've been with a bank 6+ years, or just 2? I don't want to have loads of bank accounts open, but should I leave this one with nothing going in/out? I mean they (HSBC)…
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Would you go for M&S, Tesco or Natwest's 0% card? (ease of getting)
Hi all, I am interested in getting a new 0% credit card for an upcoming big purchase. I am looking at either M&S or Tesco's or Natwest's. Has a good credit history usually. I do bank with First Direct & Natwest too - First Direct as quite a new customer (4 months, well maintained account); Natwest for more than 6 years,…
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Please Help me - Student Credit Card
Hi there, I am beside myself with worry about this credit card which, in my opinion, was irresponsibly lent to me when I was 19 and didn't have a clue. I have had it for four years now. The limit was £500 (blown in two months!) and it has caused me so much grief that I couldn't even explain! I have incurred about £400…
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Transferring a balance from an Irish to a UK Card
Hi Guys, I'm hoping somebody can give me some advice on this... I have moved over from Ireland and want to transfer my balance to a card over here as it will be much easier to pay off etc. However as I haven't been in the country that long I won't have much of a credit history which might be a problem in getting a card.…
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Credit check query and how to improve it
Hi there! Me and my wife are looking for a new place to move to. We are looking for a flat to rent. But I have worries that me or my wife might have a low credit rating before we get approved. I want to ask wether having a debit card and paying off debts or bills properly and in time ( anything from a phone or electric…
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Lloyds TSB Credit Card
Hey folks, Would welcome some advice. Got a Lloyds TSB Airmiles Duo which I have held for years. Credit limit has gone up and up over the years taking me to a limit of £5250. Regularly use the card and pretty much always pay in full. If for some reason I don't pay in full, I pay way more than the minimum amount. Decided to…
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How do I pay my overdraft off with a 0% interest credit card
Does anyone know if its possible to pay off my overdraft with a credit card that offers 12 to 22 month 0% intrest without incurring large charges for a cash transfer. I would like to treat it in the same way you would a balance transfer from one credit card to another.
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Capital One Classic
Hi all, I have a Cap One classic card (6 months) with the inital £200 limit... Does anyone know if they will increase it??? I have also just moved, is this likely to effect it?? My aqua card was increased from £350 to £600 from last week. Also I am booking a holliday for my brother and my limit won't take it.... could I…
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Aqua Card accepting fater paymemnts
Hi all, If anyone didn't know i paid my aqua card from my llloyds bank and it was topped up within 2 hours :) looks like they accept fater payments.
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Will Next Directory remove late payments - goodwill letter?
I have sent Next a goodwill letter to ask them to remove my late payments with them (x2 late). Has anyone had any success with next even replying to a goodwill letter, let alone removing the black marks on my credit? I understand that it's not expected of them, nor do they need to reply. Just worth a try! Thanks in advance
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Card shuffle advice please
I urgently need to shuffle my cards to maintain my 0% rate. I was wondering if any of you good people could confirm if i am doing this right. I currently have 3 cards Barclaycard with £1858 (0% until June 2012) Virgin with £4586 (0% until June 2012 ) Tesco £1606 (unsure of interest rae, but balance is 30 days old) Barlcays…
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A bit miffed
Ok, I have a John lewis Mastercard credit card, which I beleive is underwritten by HSBC. I am the main account holder, my partner is a named card holder. Every month on the 1st, I call up, go through security and then pass the phone to my partner, who then uses her debit card to pay off the balance in full. We have done…
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Natwest Platinum or YourPoints World Master Card
Hi guys, i am after an interest free 0% on purchases for a minimum of 4 months to borrow 3k for something i need to buy. I am having to fork my savings for a family event which comes as priority but i need to make an important purchase before then. So ultimately i am after a 0% interest free on all purchases credit card. I…
