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Balance transfer cards
HI, i'm asking for my dad and i have no idea about this at all as i've never had an overdraft/debts. If my dad had an 0% balance transfer card and he transfered his overdraft debt on to that to cut it down/pay it off/not my charged interest like he currently is, can he still use it like a regular card, IE direct debits,…
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To close credit cards....or not?!
So having moved around some debt and saved myself £200 a month on repayments/interest, I now need to know, do I close the empty credit cards or not? Barclaycard - paid off with loan from my bank and part B/T - £9300 credit limit - 0 balance Santander - I'd phoned to close this last weekend, but was talked in to keeping it…
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Capital one - Application accepted then later cancelled?
Hi, I recently applied for the Capital One Aspire World credit card, application got accepted online signed the credit agreement and was told from the confirmation screen that my pin will be with me in the next few days. After hearing nothing for a week I called their india call centre and was told that my application was…
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Lebara Prepaid Credit Card
I bought one of these cards to keep in my car so I would always have funds for petrol. I have twice tried to use them at the pay at pump stations and each time it has been rejected. I phoned Lebara and explained the situation only to be informed that they do not support the pay at pump way of taking money and therefore…
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Section 75 question
I'm in the middle of arranging to have an upright piano moved from an elderly relatives house to my house. At the moment I don't have insurance on the transit quote because I have absolutely no idea what the piano is worth - been in the family for donkeys years. And I can't get any more info on the piano to estimate the…
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Is my credit history bad?
I got a letter this morning from Capital One offering me a credit card tailored for those with bad credit. What's worrying me is that I wasn't aware I had a bad credit history. I'm 22, had a couple of cards in my time...2 right now (RBS & Natwest Yourpoints), which I've never missed payments on. I had a previous card that…
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Santander credit card guaranteed acceptance??!
Hello Has anyone any dealings with this I have a 123 account and logged in to see this, actually would work quite well for me as we have no debt apart from the car and mortgage and finally I can start getting money back from the banks. I have a car loan with Santander and current account and savings account, I.m just…
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Card Numbers
With all the mergers of store cards it is becoming more difficult to work out where your cards are. For example Debenhams Cards are issued by Santander so any direct debit to pay the card now shows as Santander. Confusing! First question. What store / credit card begins with 6319 12
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Why am I getting declined?
I'm so confused! Checked my credit report on Experian. Here are the details: * 17 credit accounts (including settled) - 8 active and 9 settled * £5,700 of outstanding debt * £1,043 of available credit * 84% of total credit being used * 0 accounts overdue * 0 missed or late payments in the last year * 3 searches in last 3…
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Credit card debt being sold off
Hi all About 4 years ago I contacted my credit card company to explain that I could no longer afford the monthly payments and started paying what i could afford. this was ok for a year or so. But then the ccc took me to court to have the debt put on our house. Also the court set a fixed amount that I had to pay each month.…
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County Court Judgment - where did it come from?!
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Credit rating please help
Hello, I just applied for the Tesco 22% balance transfer and was rejected. I owe £6,200 between two credit cards and my overdraft. I earn £37,000 a year and I pay £700 in rent and approx £100 in bills a month. I just tried to check my credit rating with Equinox as this website suggests but I haven't received anything but…
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credit card charge in changing money?
hi all, off away soon and for a bit of extra cash, i was gonna buy an extra £100 and change it to turkish lira,but was wondering if i will get charged extra for this?? cheers
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Which credit card?
I was hoping someone could point me in the right direction... I was stupid in the past and got behind with payments which means i have a ccj which is going to drop off my file in 2 weeks time. It has already come off Equifax! I have confirmed this with them. Also a satisfied Default which is just over 5 years old. I have…
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Are low-limit cards hurting my credit report?
In years gone past I was a stoozer. Had various cards with limits in the £6k - £14k range. Then the opportunity for stoozing dried up with the credit crunch, fall in savings interest rates and changes to Egg Money so I haven't stoozed for a while. Two years ago we applied for extra borrowing on our mortgage (taking us up…
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Vanquis first payment
Hiya I got my credit card on around the 18th August and I keep checking on the evanquis website regularly to see when my first payment will be due but all it is saying is 'statement date' 18th sept.... Does anyone know what date my first payment will be?
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New Argos Credit Card 29.9%APR - Guess who's issuing it?
MSE Official Insert: Got a poor credit rating? Read our special Bad Credit Rating guide I was looking for something on the Argos site earlier and saw a link for their All New Credit Card. Curiosity got me so I clicked the link............ Need a helping hand with those little extras? From groceries and petrol to broken…
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Defaulted in 2006 Capital one registers this in 2009?
Hi there, I defaulted on a number of accounts in 2006 under the advice from Spectrum finance. In 2009 when I found out I was not on a DMA but an IVA I cancelled Spectrums agreement. Since then I have full and final settlements with 3 accounts out of 9 dealing with approx half the debt. The only default left on my account…
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Balance transfer
Hi I have an £8500 balance on a credit card, I would like to balance transfer to another card, I have tried two credit cards and come back with smaller cerdit limits (£1500). Is there a card where I can transfer the whole balance, or could someone give me some advise please. Thank you
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Amazon mastercard advice
Hi, My mother currently has a tesco credit card and it is quite good, no real complaints but you can get £10 Amazon credit for spending £1000, and she usually just uses it anyway on the card and then just pay it off when her wages come through at the beginning of the month. So my question would be, as she would still need…
