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Credit Card Nightmare - HELP!!!!!
Ok - my position is that I have 2 credit card debts £20k on MBNA & £8k on Barclaycard -Massive amounts I know! The debts were mainly incurred over the past 10 mths through lots of work expenses and travelling overseas for work purposes. The company I worked for went bust and I'm left to deal with the debt! That aside (I'm…
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Barclaycard Increases APR
I've just had a love e-mail from Barclaycard they are increasing there standard rate of interest from 16.9% to 21.9% a massive 5% jump. I'm really stuck with my credit cards, work on house and a debt problem left me with 20k on 3 cards, which Barclaycard now own them all, I am meeting the minimum payments (just) and I have…
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MBNA Mastercard Statements
MBNA say that they're phasing out paper statements, but I still have the option to continue to receive paper statements if I make the request via the website. I logged in and requested the paper statements to continue. MBNA stopped them. Paper statement or not, I have to pay this month's outstanding, so I was forced to log…
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Super Balance Transfer
I asked Barclaycard if they would do a 'super' balance transfer to my account so that I could pay off a car loan at a much lower rate than I am now. They refused and did not give me any explanation as to why. I know they're under no obligation to do the transfer, but I wondered if anyone knew what the criteria would be for…
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end of 0% balance transfer period?
i have debts that I am going to get rid of due to the fact they are annoying rather than worrying. I transferred some balances from a few credit cards when I got offered 0% balance transfers for 12months and took a new card out and got 18 months 0% on balances transferreed to that card too. so now I have all my credit card…
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Lost payment
I make my payment online each month to my tesco credit card. this time they had updated their site so i had to re-register and made my payment over the phone with them. when i was finally able to log in, my payment wasnt there and i had a late payment charge against me. i checked my bank account and it clearly showed the…
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Help to get rid of overdraft please
Whats the best way to pay off £8000 overdraft? Get a loan or pay with credit card and then transfer to 0% deal (is that even possible)? Banks nagging me to get loan :(
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how to set up DD so credit card is paid in full??
hope ive not missed something so simple but how so i set up a DD to pay my credit card? ive just got a halifax clarity card to use abroad, even tho it came to late to use this years hol! i bank with halifax and cant see a simple way to set up a DD?? any help please?
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Marks and spencers
I applied for a marks and spencers credit card 2 weeks ago and I have not received the application to sign for, are they really this slow?
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Best Credit Card to replace Vanquis?
Having previously had bad credit in the past, resulting in a number of defaults, I applied for a Vanquis Credit Card and a Capital One Credit Card about a year ago now. I have run both accounts really well and the Vanquis one now has a credit limit of £1500 and the Capital One still has a limit of £200. I have recently…
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Halifax Clarity Vs Cheapest Travel Cash?
Hey all, I was wondering what would be better, to use the Halifax Clarity to spend abroad (off to South Africa in August), or to get the best travel cash here (via the comparison tool)? How can i check what rate I'd be getting with the Clarity? thanks! :T
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Transfer from credit to current account
I have a NW mastercard that has just ended a 0% interest period. It still has a £3k balance with £2k available credit. The future interest rate is 20% They are offering a 0% transfer to my bank account. Please confirm if I have this right .... If I transferred £1500 to my bank account and the following month use this to…
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0% or cashback card?
I've got a 0% card that runs out in september, and I am able to pay it off with money in my current account. However, I need to pay for car insurance soon as well (about £1500) and I don't have the money for this in my current account, so I'm not sure whether to get a 0% credit card and pay for it with that, or get a…
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Turned down for store card, WHY?
Hi, My aunt, who is 80, resently applied for a store card and was refused. She got rather worried by this, thinking there maybe something dodgy on her credit. I've had a look at her credit report on experien at her rating is 999 out of 1000 (wish mine was!:)). She owns her own home, has no debt or credit, no storecards or…
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Basic credit card payment question
Hi everyone. I'm new to credit cards, and I just have a quick question about repayments. This is really obvious stuff, but I just want to check I've got everything right - I only got the card to build my credit rating so screwing this up would rather defeat the object :p I have set up a direct debit to pay off the full…
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reclaiming ppi
hey i have just had a letter back from cap one regarding ppi....they are giving me back £150 but the agreement says once we receive your form we will refund against any outstanding defaulted balance or over limit amount with in 10 days by defaulted balances we mean any balance outstanding after the credit facility have…
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Reducing available credit
Hi, I have tried searching but have not found the answer, I am wondering if it will improve my credit score if I have a credit card which I am working at paying off (Intrest free), the balance is £3000 outstanding & they have recently increased my limit to £8000!! Will it improve my credit score if I ask for this to be…
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Capital One Secured Card
Hello All , Recently applied for a capital one classic and got declined , however i was offered a secured credit card with £200 credit but i have to pay £200? which i do not understand.. My credit rating isnt the best and i want to build it up so would this card be best for me? Is there any chance of a credit increase in…
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Car insurance comparison searches on credit report, and search as "Dr."?
I signed up to Noddle, and everything is good and up-to-date. However, I checked the recent searches, and there are like 10 searches by car insurance comparison sites (mostly Aviva) as I'm looking for a new car, and have been checking insurance quotes with different settings (annual mileage, different cars, etc..) Some say…
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Underpaid Minmum credit card balance by mistake
Hi, am so upset, I pay £75. per month off a credit card balance and have not missed for 3 years. The promotonal PART rate finished and minimum payments went up to £84. but i did not notice. They have taken the rate away and the interest alone is now £112 and minmum payments are now £199 per month. They also say they…
