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CC Limit Downsizing
I am wanting to shave off my overall CC limits to something more balanced in comparison to my annual p/t income (now £11k). Especially concerned as I applied for a Your World RBS CC today and got declined without details as to why. I was hoping to close down one of my CCs should my application have been successful, but in…
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RBS/ Santander Credit Card Problems
Hello I am currently living abroad and do my banking in the UK online. Yesterday I logged in to pay my credit card payment from my RBS Current Account to my RBS Credit Card. Because of the takeover my credit card has now been moved to Santander and I cannot access both my current acc and credit on the same internet log in.…
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Lender's score - snapshot or more sophisticated?
I'm thinking of applying for a number of credit cards in a short time period and making the most of some initial rewards offers out there. In the short-term this would have a negative impact on my credit rating as I will have several searches in a short time frame, probably on the same day. Assuming I get expected for one…
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Possible Default but in wrong year
Hi, I was recently turned down for credit by my bank, when they have always given me pre approved offers (not that I've used them) in the past. Up until recently I had £20,000 sitting there pre approved! They (the bank) advised me to check my credit report and it has a default on it for a Virgin Media account which they…
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Purchase interest free period shorter
Hi I was just wondering if anyone knew the answer to the following: If the interest free period for purchases is 3mnths and balance transfers is 17mnths, will any payments go towards the purchases in the first free months, so this is paid off before it enters a higher interest rate time period?
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How many cards is it 'safe' to apply for in one go?
hi, i have 2 cards whose 0% ends in next 2 months, i owe on the cards £10,000 approx ive just applied and been accepted for an rbs card 0% for 22 months but limit is just over £5000 and can only transfer £4800 leaving approx £5200 heading towards full interest rate obviously i want to balance transfer this to another card…
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Big trouble with credit cards
Partner and I have £27230 split over 4 cards (2 x Barclays, 1 Tesco and 1 closed Abbey account). Credit scores are as follows: Noddle: 3/5 Experian: 913 (Good) Equifax: unknown (only using free service) Haven't missed any payments, but have just exceeded one of the credit card limits. Believe it or not, I used the wrong…
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No statement > No payment
More of a story really but if anyone wishes to pass comment/advise please do so .... My credit card statement usually comes around the middle of the month (16th) and I pay my CC bill in full by direct debit normally on the 1st of the following month. In April I only used my card for three small transactions(13th/14th/15th)…
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Cifas
An additional line was fraudulently added to my tmobile account. A CIFAS marker was added to my credit history. Owning member T-Mobile UK Product code Communications Facility Granted Supply date 25/05/2012 Application date 18/05/2012 Filing reason(s) Unauth addition of a facility Managing member T-Mobile UK Subject(s)…
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Rejected from Santander 123? Why?
Hi Guys, just wanted to see what are the reasons why Santander rejected me? I had 4 credit cards with no balances on there when I applied, limits totalled 6k, and my income is 22k. I use 1-2 cards regularly but wanted the Santander card for hte cashback. Is it because I have too many cards? I cancelled one subsequently…
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Consolidation
I have just received my virgin money card and transferred three fixed former fixed rate balances to the zero percent. Now all I have remaining is a small overdraft with Santander (former A&L account). I didn't pay this off first because it incurred the lowest charges, namely £5 per month for the OD. Gradually Santander…
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Credit Cards
Hi.Does anyone know any credit cards that allow joint applications?
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First ever credit card - please help!
Hello all, Bit of background info - I'm a 24 year old graduate with a good job and very few outgoings (no, i don't live at home, its all to do with my job) and I have been considering having a CC to up my credit rating, so purely to use it for petrol OR food shopping (just one thing within a monthly period) so I can pay it…
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Electoral roll not on credit report / nightmare address
My electoral roll status still doesn't appear on my Noddle credit report, despite having registered early Feb and receiving a letter from the council later that month. The problem is likely mostly to do with my address, no-one (not even my letting agent) seems to be able to get it right. Letting agent thinks its flat 1/1,…
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Will Barclaycard charge me?
If I buy our travel money on it (euros)? If so does anyone know how much? Thanks in advance x
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Avios Credit Card
Hiya, I am now debt free and I am looking at ways of getting rewards from credit card spending. I am keen to collect Avios (airmiles) points as my husband and I travel to South Africa every 2 years to visit family. If i open a Lloyds card and spend more than £15k on it a year I will be eligible for a companion flight.…
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Halifax Clarity Card
Dear Moneysavers, I am going to Australia over the summer and as per the advice on the site have taken out the Halifax Clarity credit card to get a very good exchange rate on purchases abroad without paying any fees. I'm also keen to get this very good rate on cash at the cashpoint. However, I know that although I'll get a…
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PayPal Access card FX fee?
I just made a payment in $ on my PP card. I got charged a "FX FEE" because I don't have a $ balance in my account. Can anyone confirm whether the PP card knows to take from the $ balance if I make a payment in $ to avoid the fee?
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Can card companies lower your credit limit?
Hi, I've just had a PPI payout (about 4k) and i'm going to use it to almost pay off one of my 4 (maxed out) credit cards. I will however still need access to this credit as times are hard. Is there a chance that if I pay off 4k of a maxed out card with a limit of 5k that they could essentially say "thanks for that" then…
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gap between credit card applications for partner and me
I got my c/c balance transferred over afew months ago to a 0% deal on a virgin card. My partner wants to do the same so we can save on interest. I havent had any more credit applications in meantime and he hasnt for at least 6 months. assuming all else is ok, is he likely to be accepted or does it go on your address as…
