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Can you apply again for cards you've held before?
I have been an incorrigible "tart" for some years, trying to pay down my cards. Unfortunately, i now seem to have worked my way through all the ones on the "best" lists. First direct will consider applications after 6 months of a card being closed, but won't accept me, as my main banking isn't with them. Can I reapply to…
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credit card application by 64 year old
The credit cards we have are in my husband's name. Will I have difficulty getting a cc in my own name as I am no longer earning? Will I be offered a low max. spend? Advice welcome.
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Free Credit Checks?
Hi is there any sites offering 'free' credit checks? without having to give any bank details? Thx
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Multiple credit cards bad for credit rating?
I have got 4 credit cards recently as I can't get one that offers me a decent credit limit due to my poor credit history. My question is can having multiple cards affect your credit rating negatively? I mean mine couldn't be much worse but I want to repair it so I wouldn't want multiple cards to stop me doing that. I know…
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Capital One Cash Advance
Hi, really stupid, didnt think at time, but used £10 on william hill vegas, for the £50 cashback with quidco Silly and used my credit card instead of my debit card, got charged the £3 fee from 13th, paid the £13 back today, will I owe any interest on that at all? Or should it be fine? Not sure how it works as havent ever…
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Best Credit card to use in USA/Canada
We are having a special holiday in Canada and USA in September and have saved so that we can splash out a bit. I have my Building Society bank card but think taking a credit card would also be a good idea, and would pay it all off when we get back. Can anyone advise please on what would be a good deal under these…
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2 cards repay 1 first or both slowly
Hi parents have a credit card each on different accounts with lloyds one with £2000 and the other with £1000, they want them cleared but cant do it all at once so do they repay 1 first paying the minimum on the other or pay them both equally. Hope you understand. Thanks
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Paying a deposit on a Credit Card
Hi MSE, I'm a bit new to all this forum stuff but am in a bit of a pickle and need some advice. I put down a deposit on a large value item on my credit card. Now I've found it cheaper elsewhere and would like my deposit back. It was bought on the telephone and internet, never having seen the item I presumed I would be…
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Waiting time to switch to Capital One Progress
Hello, I currently have a Capital One Secured Card that I received in January. I've been paying the card off in full every month and there has never been interest charged to my account or other fees. I'm wondering when it would be most appropriate to apply for an upgrade to the Progress card? On Capital One's website it…
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comfymoneytree, loans/prepaid credit card
hi there could i ask anyone knows this company?(comfymoneytree),they do loans (£100-£3000 for high interest,same day approval),and prepaid credit card,are they broker or not? many thanks for any good advise
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Do I cancel my card before I get another?
Little history: Got a Natwest World Card at the moment and have about £500-£1500 going through it per month. I've had it for about 3 years and have never paid a penny interest/charges as it is paid off every month. Credit limit is £3200. Everything I ever buy, if it can be paid for by card - has been, even if I have the…
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Not a Barclaycard rant
I'm not going to start a rant against Barclaycard, but here goes :D I've had 2 Barclaycards (one Visa one Mastercard Cash Back) with £8k and £6.5k credit limits respectively for several years. This evening I tried to book Business Class :T flights through Emirates to visit my son in Hong Hong in October. Cost was approx…
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Capital One Secured Card
just paid my deposit. What type of card is it ? I heard it's a platinum mastercard but don't see what difference it makes as it won't have a huge credit limit etc..
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£3600 cash taken on a credit card - how much to pay back ?
Hi all, Bit of an open ended question as i don't know the percentages off hand so looking for a (very) rough calculation. borrowed £3600 on a friends cap one credit card - been paying it back at £200 a month for 18 months and now pad £3600 back - Approximately how much extra £200's will i have to pay back to cover the…
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Credit Card or Loan??
Evening, I am just after a bit of advice if anybody could help out that would be great. Bear with me on this one because all this goes over my head a little bit. . . Basically I need to but a new car at just shy of £4k. I have no saving so it would have to be a credit card or a loan. After trawling the internet it seemed…
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Accepted for credit card but...
After the inital 0% on purchase period the APR is 22% and I've only been accepted for a £1000 limit. My credit score ( when checked a couple of months ago ) was 999 on the site I used ( so basically the highest you can get ) so I can't understand why the APR, which is apparently worked out using your personal…
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Experian Credit Expert
Can any one advise on credit agency My credit score given to my by Experian has been 999 which is categorised as excellent for many years. On July 25th I was rejected for a credit card and advised to speak to Credit expert. I visited their website and they had doubled all of my records and advised that I had lived at my…
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CC Advice.
Firstly thanks for reading :) I came here to get some advice about applying for a new CC because I dont know anyone in 'real life' who would be able to help me. Currently I have one credit card with my bank. I usually pay it off in full, sometimes (for example when I brought my computer) I have to pay it off over 2/3…
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One-off payments - where to put them?
I currently have two credit cards - one I spend on (although I'm trying not to) and that has an interest on the balance, and one that I transferred some of my balance to and which is 0% interest. The balances are around the same on each. It looks like I might have some "spare" cash at the end of this month so I want to…
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Missed Payments 1yr Ago... Possibility of Rejection from New CC?
Hey guys, One year ago I missed two payments on my UK CC as the direct debit had not been set-up despite the fact that when I got it, the guy on the phone said it was already done (it was with my bank) so I took the hit and moved on, making sure I make every payment for the CC and pay off early if I can. Now I am looking…
