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Consolidation Loan?
Just wondering if there is any hope for me. I currently owe about £3000 on various credit cards. All of them are high interest, and I have 5 :o Ideally, I would like to get an unsecured loan for £3000 to pay them off as I'm currently paying about £160 a month (just above minimum on each) in total and my debt isn't going…
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Trying to sort myself out with card debt
Hi, I was unemployed for over two years, and have a Virgin mastercard with just under £3000 on it. Since losing my job, I have only been able to pay the minimum amount off, which is set up as a direct debit. A few months ago, I rang Virgin, having received a letter saying that if I was having problems with monthly…
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Constantly transfering balances
Hi I'm new to posting but have been a 'lurker' for some time now. I have a few credit cards which I always make sure are on 0%. When the rate ends I transfer to another card at 0%. I never used to keep a check on this but now I keep a little 'debt book' with rates and info etc so I'm organised with it. However over the…
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Help! RE: Credit Limit & Getting Around It
Hi, I am going to be purchasing car insurance over the next few days. My lowest quote is around £1400. I want to pay it up front to avoid ridiculous monthly charges from Elephant.co.uk but my credit limit is only £1250. Lloyds TSB won't increase my limit because they automatically raised it in June and won't raise it again…
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Pre Paid Card Question
Hi all, Am thinking of getting a pre paid card in my pursuit to rid ourselves of our current credit debt. It is on 0% until June next yr but want to bring that forward to Jan/Feb. I'm considering a prepaid card to help with this. Load it and once it's gone it's gone! Currently if I overspend on groceries, I just subsidise…
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Balance transfers
H there, I have two seperate credit cards with the same provider. One of the cards is offering 0% for 16 months which is fab. As I am not allowed to transfer one balance to the other as it is the same company, does anyone know if it is possible to shift the balance from the card that doesnt have the 0% offer to another…
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help re vanquis
hi there, looking for a bit of help re my vanquis card. I am paying it off at £60 a month, it hasnt been used for a long time and last month i had lost it so i got a new one. the way i pay it off is to transfer through internet banking and have the card number as a reference. However i forgot to change the reference, and…
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The end of postal and over counter payments?
Capital one have just sent me an email saying that statements will no-longer include a payment slip - as all payments can be made online. Is this the way they will all go? I like being able to pop in the bank or post a cheque :(
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Barclaycard Switch
I have just completed a balance transfer to Barclaycard, and noticed the line about the BT could only be 90% of the balance.(I assume this is to ensure I use the card as well). Is there any warning if I am not fulfilling this part of the contract, or if I don't build up 10% of my BT in a certain time will the interest free…
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Just a quick clarification if anyone knows...
If you miss a payment to your credit card (in this case, Barclaycard) and pay it two days later, should this be marked as one month in arrears on your credit file? Or is there a rule which states it has to be 30 days late? Where could I find the definitive answer on this? Thankyou!
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Nightmare card theft abroad - please help or learn my lesson!
Hi all, Been a huge fan of this forum for a long time and finally found myself in a situation that requires some expertise from its audience! Whilst on holiday in Europe this summer I was robbed at a cash machine in the most innocuous fashion. I withdrew some currency on my card, two chaps swiped it from me and made off in…
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AMEX - Rewards
Hi there, I have AMEX credit card whereby you get points. Triple point on supermarket spending. Whenever I check my rewards on the online system, I only am getting 1 point per Supermarket transaction and not triple. I have checked and the placed I am shopping are eligible for the triple points (also confirm with AMEX).…
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Pre-set Spending Limits
Hello MSE Forumites! I have a bit of an unusual request and was hoping somebody on here might be able to provide me with an answer. My wife and I do the majority of our monthly spending on a joint credit card. We pay the bill off every month and don't have anything outstanding. However, we're finding that bills have been…
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0% Credit Card On Balance Transfers
Not sure how to title the thread. I have been granted a credit card by Natwest for 22 month 0% free interest on balance transfers. I have only been given a £500 credit limit and can only transfer 95% of the balance of my high interest credit cards meaning about £470. Now the terms say that the 0% free interest over 22…
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Barclaycard - requesting new credit limit - CRA search?
If I request a new credit limit from Barclaycard will this count as a search on my credit report? Trying to reduce the number of searches I have so don't want to request a higher limit if so. Thanks!
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Equifax Free Credit Score?
I have just signed up for the 30 day free trial but I can't access my credit score. I clicked on the credit score link in the members area but it's just directing me to the free credit score page asking me to sign up which I have already done. I thought Equifax gave you the information immediately.
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Closing Barclaycard Account
Has anyone closed a Barclaycard account recently? If so can you still access your online account? I called up to have mine closed and the guy I spoke to said that it was done and I'd receive confirmation by post within 10 working days. It's been almost two weeks now and no confirmation (not 10 working days, I know) but…
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What's Happened to Diner's Club?
Anyone got one of these cards recently? Had a look at their website this morning and there doesn't seem to be any way to apply. I know you could never apply online but it used to have the application form that you could download and send in by post. I know the card isn't very widely accepted but now that they've scrapped…
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Question about Alternative Card & Multiple Applications
Hi All, Some credit background: * I am a 2012 graduate starting my first 'proper' job. * Salary is above £40k * I have had a phone contract for nearly 2 years * I have spent semi-regularly on a student credit card for about a year and a half * I have never missed any payments on either the credit card or the mobile phone…
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HELLLLLP!!! Best Air miles or Avios card
Hi peoples, I am a frequent short haul flier, flying minimum twice a month around Europe. I have never used a credit card before but it is becoming far more frequent where hotels & car hire companies are insisting on it. Can anyone give me a definitive card I should get to optimise Air Miles or Avios? I am soooooo lost in…
