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Financial Association
I just realised that after setting up a current account with my wife, I have her listed as a financial association in my credit file. While I have a good credit file, with most things in order, she has a very limited history of credit. I was looking to take out a personal loan sometime early next year. Would this…
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Number of Credit Cards
Looking for some advice... Ive got poor credit from a couple of bad decisions when i was younger. Ive now paid off all default accounts and have a Capital One Credit card to help improve my credit file now 7 months old, paid in full each month. Im not currently looking for credit, but wanted to know if having a second card…
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Amex Foursquare promotion
Amex seem to have brought out more deals for cardholders checking into stores with foursquare. Currently on are: £10 off a £10 spend in GAP £25 off a £25 spend in Harvey Nics £5 off a £20 spend in Argos. My question is thus: I originally used this back in the early summer when they had offers in Primark, Nandos, Tescos…
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Expenses + additional account
Hello, with me new job I am doing alot of travelling and therefore claiming alot of expenses for petrol and food and drink etc. I'd like to have a separate account which I can use for these trips as otherwise it's very difficult to keep a track of over the month until pay day. on pay day i'd transfer all my expenses back…
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credit card reshuffle
Hi, I have 3.5k on virgin money credit card. 0% balance transfer expired in the Summer so looked to get another 0% balance transfer card however I was declined by Halifax and Barclaycard. I think this is because on my credit report it had a missed payment on my mortgage (due to changing jobs and didn't realise I was…
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Paying off credit cards/credit score improves?
Sorry, I'm not sure if this is the right forum. Is there a set amount of credit score that settling a credit card improves your score by? Or is it dependant on how much the balance cleared is? For instance 2 credit cards, 1 with a 2.5k limit pretty much maxed, and one with a 5.5k limit with roughly 1.9k used, both now…
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Credit card short loan?
Hi everyone... We have sold our house and exchanged contracts...we have a significant lump sum coming once we have completed. However, we have a problem in that we need £38k two weeks before we complete - obviously, no bank is going to lend us that much for such a short time (we spoke to the bank for a 'bridging loan' =…
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Vanquis credit card
Hi guys, I know barclaycard give me 1 month to clear my last statement but does any one know if Vanquis does the same?
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Credit card help
If anyone could help with credit cards I would be much appreciative Basically I have a catalogue with very and the balance is 600 and the apr is 49.9% so every month most of the money I'm paying is interest and the balance doesn't seem to be moving So I thought if I move the balance to a credit card with a 0% interest…
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What does 'Terminal Suspended' mean for a declined transaction?
Hi, I have been trying to get freebies using the AMEX £5 shop local scheme. It has been successful for me so far, but when I attempted to purchase some items in a local pharmacy, the transaction was attempted twice, and the cashier said it wouldn't go through. They said they took AMEX, but the message on the voided receipt…
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No Ownership - AMEX vs Barclaycard, please help!!!
I'm desperatley trying to transfer the balance from my AMEX nectar card to a barclaycard. Barclaycard say my AMEX credit card number is invalid and that it's a problem with the AMEX system. I've confirmed my credit card details numerous times with them. I've spoken to AMEX and they say it's a problem with Barclaycard's…
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consolidation
Hi i currently have three cc totalling nine k. I am struggling to pay the min payment as i had a few months with no work. I m working again but still unable to meet the payments. My credit rating is now bad, so was wandering if i should pass it onto a debt consolidation place but i want a legite one with no charge. Also i…
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Capital One CC Maths Help Please
Hi, Can someone help me work this out please? :o I have a s/der cc on a ridiculously high interest rate of 34% with an outstanding balance of £1,750. I applied for the 6 month 0% interest with Capital One with the intention of transferring £1.5k of the s/der balance over ... obviously paying the 3% fee! Wasn't sure I was…
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Using a Credit card
Hi guys and girls Just a quick question (new to the CC world ) If i was to spend £400 on my credit card , but come the end of the month I only pay £200 off instead of the full amount and then £200 on the following month, What would happen? Would it have a negative affect on my credit score? would the CC company inform…
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Natwest Rejected in June - no repeat application in <6months...can I try RBS
I applied for a Natwest 0% purchases card in mid June this year and got rejected (no obvious reason why, but got an M&S card with £3500 accepted shortly after). My virgin credit cards 0% on purchases promotional period has ended so I am looking for something of a similar ilk to replace it. My Creditexpert service is now…
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0% balance transfer deadline
Once a 0% balance transfer deadline has been and gone and settled in full, can further new transfers be made to the same card account with the same 0% offer? Alternatively, could a new application be made for the same card/deal or is it a case of moving on to the next balance transfer card/deal each time? thanks
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Applying for a new 0% credit card
Hello all, This is the second thread I have started on MSE so I hope some of you more experienced users may be able to help me. Over the past twelve months I have been using a new credit card with a 0% interest rate on purchases (from NatWest). This is due to end in January 2013 and I would love the flexibility of having…
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Credit Builder Card
So, historically i have struggled with credit. About 5 years ago i lost my job and missed payments on about 3 credit agreements and it has punished me. Fortunately a stable job with good income seem to be on the way to repairing it. I changed bank accounts about 9 months ago after being with Abby/Santander all my life.…
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Barclaycard Cashback card
I'm thinking of signing up my Dad (with his permission of course) for the barclaycard cashback visa card but was wondering how does barclaycard give out the cashback? I'm a cheque every month or is it used as credit on the credit card account? Just need a simple answer thanks :)
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Aunt Owing Money While In A Care HOme.
My elderly aunt, who has dementia and has been in a care home for the last five weeks has expressed a wish for me to deal with her affairs. When we went to her flat, there were a lot of correspondence with regard to money owed. It appears that over the past year she has accrued a lot of debt. She has purchased many items…
