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Close an existing CC?
At the moment I have 3 credit cards. The first from Aug 2011, second Oct 11, and third Apr 12. All 3 are sub-prime: Capital One Classic Barclaycard Initial Capital One Progress Today I was accepted for a CC with Nationwide with a far higher limit than any of these and a lower rate. I've always paid off my cards in full and…
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Lack of credit history - A decision to make
Hi all, Problem: Limited credit history - but want to go for a mortgage in 6-9 months. I have been recently approved for a 1000 GBP CL prime credit card by credit search on Equifax, I also hold a Capital One CC for the last 4 months with 250 CL. I also hold 3 years old mobile contract and a current account.with 3K unused…
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Does anyone have two cards from one provider?
A million years ago I took out a student Natwest Credit Card to go with my student account (which is, weirdly, still a graduate account even though I graduated in 2008, but I digress). Then some years ago I applied for and was given a standard Natwest credit card. The cards (annoyingly) look identical but have different…
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Amex Credit Card
Recently applied for Amex and got accepted. I want to know if I pay a bill using my Amex card (charge £500 in three months to qualify for 5000 nectar points) can I then use a different credit card to pay the Amex bill or do I have to pay using my bank account details I provided during the application process? Thanks in…
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MSE News: Financial education plan for selected disadvantaged schools
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What is the cheapest way to pay for things abroad (France)?
I am going on holiday to Disneyland next month and have been looking for the cheapest way to spend money over there (I am in the UK). According to Moneysavingexpert.com, the cheapest way is through a credit card. I don't particularly want another credit card, but if it is the cheapest option then I will go for it. What do…
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Lloyds application - Technical problem
I've just attempted to apply for a Lloyds TSB BT card, after entering all my info it said it was checking my details, then came back with "There was a technical problem, the transaction has not been completed" I re-tried again straight away and got the same result. Was it doing a credit search in this time or just…
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Can I repoen my Barclaycard account?
Hello all. I closed my Barclaycard account in the early part of last year so I wouldn't spend anymore on it and have just been paying it off by direct debit ever since. Never missed a payment or gone over my limit so just want to know if I can reopen the account and use the card again? Thanks for any advice you can give.
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Closing an account
Can someone point me towards an example letter I can write to a lender to close the account, terminate the credit agreement and have them issue a final letter to confirm the account is closed/settled? It could just be as simple as requesting that in a letter, but I didn't know if I had to use a specific set of words to…
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Santander wants me to call them
Hi all. I'm hoping someone can provide an experienced response to my question. I finally pulled my socks up and started claiming back my credit card charges and Santander was the first target. Within days of posting the second letter I got two texts. One saying my complaint number has been registered and another 35 minutes…
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Natwest- unable to make a decision
Hi, I'm new to the forum and was hoping somebody could shed any light on what's happened. I applied for a natwest credit card earlier this evening (0% for 13 months and 1% balance transfer fee). I nearly got to the end of the application, and all seemed to be going fine. They said they could offer me a limit of £5200 (way…
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credit limit:2000 Available :3000
Hi Have a credit card with a credit limit of 2000.While back purchased a tv at 1000.I paid the credit card off in full. Tv developed a fault,was offered a refund of which i accepted.Was advised the money needs to go back onto the same card used to purchase the tv.Gave them same credit card for refund. Sorry if this seems…
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Incorrect flights purchased on Credir Card
I recently bought a return flight for my 65year old Dad to visit his sister in Oz, unfortunately I was given the wrong dates and the company who I booked through (last minute.com) are telling me they can not change the dates - I have to add there was a box that I ticked to say I read all the small print and it does state…
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2nd card holder financial link?
Hi all, Essentially I have a CCJ (fifth year!) so my credit worthiness is poor. If my partner was to add me as a second cardholder on her spotless Barclaycard account would this be classed as a financial link for CRA purposes? Kind Regards, Andy
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Help with Vanquis Credit Card
I applied for a Vanquis Credit card a few days ago and was told i would receive a phone call after a few days. So today I get the phone call and everything seems fine until the man asks for my bank account details... I was having a thick moment and have 'set up a direct debit' and gave him my bank details... Was this…
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Accidentally exceeded credit limit (by £1.70!) - consequences for credit file
Just looking for a bit of advice from folks who've been there or are in the know! Long story short I logged onto my credit card account today and found I had exceeded my credit card limit by £1.70. I accept this is totally my fault. The reason it happened is that the card has a very low limit (just £250) and I use it…
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Vanquis Financial difficulty not activated
Myself and my partner took out Vanquis cards and proceeded with the option of being able to take a payment holiday, should an occurrence happen similar to what had happened 6 months previous where i was made redundant. We both knowingly took out the ROP and have no issues with the payments we have made I since lost yet…
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Should I get a credit card?
Recently I've been getting phone calls from PPI claimback companies asking if I've ever had a credit card or loan etc...I feel a bit of a freak when I say no to all their questions. I don't think they believe me!! I have never borrowed money except for my student loan. Credit cards and loans make me nervous, I would hate…
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Halifax Clarity - Withdraw larger sums from a branch?
Hello, I am in Australia at the moment and need to get hold of around £3000 worth of dollars. As most are probably aware the exchange rate with the Halifax Clarity card is pretty good. With this card am I able to go into an Australian bank and take out larger sums of money? I'm sure the guy I spoke to from Halifax said…
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Using CC to help clear overdraft
Hi All I have just received my annual bank charge statement for my current account (£601.27!!!!!).:embarasse Basically I am living in my overdraft and now want to tackle it. I tart my credit cards regularly and am paying them off, and I have finished paying a 7 year loan last month (woohoo) so now want to tackle getting…
