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Credit Card Rejection Appeal
Hi all, I have recently been rejected for a credit card and I am going to try and appeal it to see if they will reconsider. I see other folk on the forum have given proof of income and proof of being on the electoral role. What are the best methods to prove this. BTW what will be shown on a credit report for a rejected…
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Increasing credit score using credit cards
Hello everyone, I'm new. Iv taken some time to look through the threads but I need some advice regarding my personal position. I used experian and my score is 937. I have no credit cards at the moment, and only have a mobile phone contract. My stepsister is doing her masters atm with the intention of getting a house when…
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overpayment of housing benefit bill 3 years later
I have just had an invoice from local council for overpayment of housing benefit 3 years later My partner moved in 3 years ago which i duly told council not claimed housing benefit since and now 3 years later i ve got a bill. How comes its taken so long and do i have to pay it? Is there a limit of years council has to…
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MBNA - any more offers for existing cardholders?
Regularly got offers from MBNA. Last 12 months notice on account to ring for details of promotional offers. Today message is check back to see offers that might be available in the future. Anyone else had this and were more forthcoming - or should we close both accounts and reapply with another provider in a couple of…
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Can Credit Card Co use mortgage account to collect debt?
Hi, I just wanted to ask for your thoughts/help please. I am in quite serious debt due to ill health and unfortunate circumstances. I did have the foresight in my more financially healthy years to make extra payments on my Mortgage, which is a big help at the moment and will keep me going for a while, keeping my home. I…
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Right level of available credit?
Hello, what do people generally deem to be the 'ideal' level of available credit before asking some of it to be cut? Or, another way, what is the ideal salary:credit ratio? I have 3x CC's with moderate limits, and a large limit on a catalogue account. My used % is around 17% - but going down by a fair bit each month…
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Barclaycard - ID request then Accepted or declined??
Hi there, I have applied for a barclaycard initial online. The websight said they needed extra info. I then recieved an id request by post and have sent off the details. (passport photocopy and HSBC bank statement) After seeing all the posts about barclaycard asking and then declining, I wondered if anyone has been…
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big problem and dont know what to do
when i got home today i had a postcard through my door from a company called westcot., who i called and they put me through to Santander regarding a Dorothy Perkins store card Back in 2009 i had a store card that i believed i had paid off. I moved house and did not inform them as i believed the account was closed. they…
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Possible Bankrupt Company - Goods paid for but not received
Hi, Just looking for a bit of advice about the best way to proceed. Two months ago I ordered some custom made decking and a wooden gate for my home. The company seemed to have been around on-line for some time with generally favourable comments. I used my Halifax credit card when placing the order. The waiting time was…
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Post Office Platinum Card
Hi all, This is my first post on here, although I am bit of a lurker! I just wanted to warn member about my own situation. I only have a credit card for using overseas and I always pay it off immediately. This website recommended a Post Office Platinum Card and I've had one for quite a few years without incident. However,…
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Halifax Clarity - Travel Cash Abroad WARNING
Halifax clarity credit card has no interest free period for cash withdrawals, including foreign cash. This being the case, ensure you figure this into your budgeting, especially if withdrawing large amounts of cash on holiday with a long time to go till billing day. This is in the Ts and Cs. With this taken into account,…
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Debit card interest on planned overdraft
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Virgin Offer but have existing blance on the card
I have a £3,500 balance on my virgin card right now at 0% but ending in August, as well as a couple of smaller balances elsewhere. Virgin have a 12 month 0% offer for me to transfer new balances to the card, that needs to be done before 31st July. If I were to transfer the money to my halifax card on a normal balance…
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Catalogues
Hello Was just wondering can you claim back charges if you became in debt from catalogues i.e littlewoods? Thanks X
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Warning to card tarts! Lloyds cancelled my card haven't used it for 12 months!
Just a word of warning to other Credit Cart tarts. I switched a balance from my LloydsTSB credit card that I have had for twenty-odd years to my Nationwide card on a 0% deal. I noticed online a few days ago that my credit limit had been reduced from £8500 to £500 so I phoned, to be told it was a fraud prevention measure…
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Barclaycard Minimum Payments & Interest
Hi everyone I've had my Barclaycard for quite a while and I'm currently trying to pay off a debt of £4400 which built up from moving location and over-spending when I was younger. I havent used the card since approximately January 2012 and although I am paying over the minimum payment, it is only £20/30 above the interest.…
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Halifax fraud prevention phonecall asking me to call back
I've had an automated call saying this message is for mrs my name it is important that you contact the halifax fraud prevention dept please press any key to continue.. I don't normally press any keys with his kind of call but I did mainly because I used the new halifax secure on the tesco grocery site late last night and…
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My First Credit Card
Hi Everyone I would just like to jump straight in and ask: when is the best time to start thinking about getting your first credit card? Bearing in mind that I'm 19 years of age and currently in full time employment. I already have a debit card but I know that building a good credit score is important when I come to buy my…
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paying off a loan early help!
Hi all. Not very clued up on all this and despite reading am confused! The yorkshire bank has no early redemption charge for paying off a loan early. I know in January I will be able to pay off the loan I get in full. So would I be able to take out a loan that is spread across say 3 years as oppose to 1 year to reduce the…
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Credit limits - should i reduce?
I have been working to reduce our credit card debts for the last 6 months through 0% cards and snowballing, and am making good progress. I have been doing some calculations regarding credit utilisation and wanted to check that these figures would seem favourable to lenders as we will potentially be applying for more 0%…
