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Fully pay off one card or reduce outstanding balance on another??
Got £400 to spend. In terms of immeadiatly improving credit file should I pay it all to one card which would reduce the outstanding balance to zero or pay it against another which has a balance of £4500 against a £5600 limit?
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Confused
Just had a call from a company called Lifestlye something or other (can't remember full name) saying that I should be due a refund on my Barclaycard due to the recent interest scandle. Also because I have had limit increases without asking this is classed as irresponsibal lending. I have no idea what they are on about and…
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PPI defence
I am making a PPI claim against a well known credit card company and their defence is that I ticked the box on the form when applying. Before I go to the ombudsman do I have a case that at the time I was not aware that other methods of insurance where made aware to me?
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unsure what to do
Hello all Have a bit of a dilema and not sure what is the best course of action I have been paying £650 a month off my debts since January and have made real headway into my card debt and have also paid my dad back (that was the most important thing to me) I am pregnant and go on maternity leave in october so I will get my…
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Debt after death
Apologies to everyone but I'm trying to find my way around. I posted this on the credit card thread and then thought that perhaps the wrong place. I'm sorry for any duplication but my head isn't clear at all. My husband died suddenly 10 weeks ago. I have paid for the funeral and am trying to sort out everything with the…
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Buying a house with multiple 0% credit cards - hypothetical
A friend of mine said they went to a 'Rich Dad' free seminar where they described how to buy a house with other people's money. Anyone seen one of these seminars? Basically, the buyer takes out multiple 0% credit cards, cashes the money into their bank account, buys the house, then sells it just before the interest free…
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How long have you been with your bank?
Hi guys, Quick question. This is a common question in credit card applications but does anyone know how much bearing it is likely to have? Reason I ask is that I recently (May 12) switched from HSBC to First Direct and am planning on a new credit card app in the next few days. I was with HSBC for about 8 years with no…
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Opened up a Barclaycard Platinum - think I've done something silly
Hi guys, I feel like a right idiot for falling for this one so please be gentle. :o I've been reading for ages in Martin's emails about how good the Barclays credit card deal is. I have a Barclays credit card (balance £508) and my current account is also Barclays (overdrawn currently at £1.7k). I'm desperately trying to…
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Bizarre experience
I was in Tesco today at the self service machine and I accidentally put the card in the wrong way around. (Wasn't paying all that much attention). I went to turn it around and noticed on the screen it told me to swipe instead (So I did). It printed out with a receipt to sign like in the USA and how it used to be here and…
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UK Natwest 0% 22 months Pay A Person
I signed up to the Natwest 22 months 0% interest credit card. I don't believe I can do balance transfers to none credit card accounts, but what stops me from doing Pay A Person? Is this part of the 0% interest, or will I pay interest on anything I pay via this? Thanks.
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Virgin CC 0% Promo Query.
I currently have a balance on my Virgin CC at 0% till Jan 2014. Just got a letter from them offering 0% on new balance transfers to Aug 2013 (with a 3.50% fee up from the usual 2.99%). Also 0% on money transfers till Aug 2013, (usual 4% fee). My question is this, how would the statement show the 0% balance I currently have…
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tuxedo pre pay card
Sounds too good to be true! So i load the card with my money then once its gone its gone? Do i get a charge on it? What if i have an odd amount like £2.20 left on it can i get it back? Sorry for the questions seems very simple, i ask because top cash back are offering £7 something when you get one and i think it will help…
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Web purchase not delivered but refusing refund unless I call during office hours
I made an on-line purchase using my credit card on the 28 June. Due to the carrier they used they could not deliver to me. I asked for a refund but this hasn't been processed. They are now telling me that I need to call them during office hours (which is difficult as I am at work) to give them the card details to process…
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Post Office Credit Card
Well I had a big refund on my credit card account for the post office, infact it put me in credit to the tune of £1013, I called them up for a refund , the bloke on the phone said I could just withdraw it from a cash machine ar £300 pound a day. I said well surley that will be treated as a cash advance and I'll be charged,…
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unfair item charged to my creditcard- how do i dispute it
I had a hire car loaned to me via Landrover assistance from Enterprise due to a botched repair from a landrover dealer. I collected the car on the 16th March and returned it to the Landrover dealer at 08:30 19th March. I had driven it 150 miles on M8 and local A roads (not offroad). I then get a call from Enterprise on the…
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Balance Transfer into My Current Account
:jHi - I'm wondering if you can suggest any credit cards that offer a facility to transfer money into my current account? Thanks very much. :j
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Turned down by RBS?
I applied for the 18 month 0% card from last week's email and got a letter yesterday to say it was rejected. I have a good credit history so went to check using the cash back experian free trial and nothing dodgy there. Have RBS been very strict with this one? Can I ask for a copy of my application (did it online and got…
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Post Barclaycard approval call saying application on hold
Hello, Just wondered if anyone else has had this experience. I've applied for the 1/2 price balance tranfer card from Barclays and got confirmation through via e-mail yesterday that it was approved. The e-mail said that it will be with me in the next 5 working days. Today I had a call asking me to answer some questions. I…
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New to credit card - Should I apply for a second to improve credit rating?
Hi All, I am reasonably new to credit cards, and at the moment have a Capital One card at 39.9%. Allowance is £1400 currently. I pay the card in full every month, with balances of between £150 and £600. I am looking to buy a house next year, but my credit rating is not that great due to me defaulting on a credit card and…
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Do you mention second card holder account in credit applications?
Hello, This is probably a bit stupid but ... I am applying for my first credit card in a long time. I am looking for a balance transfer card to speed up the paying of my husbands cards. Then we do the debt free dance!! Anyway I have just got a copy of my credit file and it is all positive with my old cards satisfied and…
