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Time limits to close and reapply for credit cards
Hello I was sure I found a nice little table on this or the stoozing thread that showed the time limits each bank applies for closing and then reapplying for credt cards. However I can't find it by either searching or ploughing through the threads again. Anybody know what the limits are or where the table is? I am…
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To close, or not to close?
Hi all, I have today cleared the balance on one of my credit cards which now has the full £1k limit available. I owe around £1k on my remaining credit card (limit of £1.5k) but this will also be at a nil balance by May. My question is; as I will be looking to get a mortgage in the next year or so, I am best closing the…
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Balance transfer to RBS
I made a balance transfer to RBS which should be at 0% for 6 mths and 3% fee. However, when I received my first statement I noticed that the fee is shown as a purchase and they already charged me interest (0.09p) presumably on the transfer fee. Can they do this as I thought that the transfer fee is usually added to the…
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Default on a Credit Card
If you have a default on a Credit Card for a number of months. Then you pay it back. How long after that card has been satisfied would you expect to wait to be accepted by a prime card provider? Ive had a Capital One card for 8 months, paid in full, and my limit is still only £200. I only have it to build my rating, its…
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American Express tiered cashback - higher tier applied to whole spend?
The amex 'Platinum Everyday' and Capital One cashback mastercard have a tiered cashback percentage. E.g. its 0.5% up to £3.5k, 1% from £3.5k to £7.5k etc. Can any one tell me if the percentage is applied to the whole spend, or is it applied to each tier seperately? E.g. if I spend £4k, will I get 1% cashback on the whole…
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Novice credit card help
Hi all, Just wondering if i can get a bit of advice. first off, i've never had a credit card and don't understand the terminology, but here's my situation. I basically want a credit card that I can buy any purchases on that are quite considerable, and then pay it off over a couple of months perhaps (ive seen a tv i'd like…
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Secured Credit Cards
Anyone know if anyone else other than Capital One offer these in the UK?
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Credit Card Black Marks
Hi All, I'm up to my neck with credit card payments at the moment. I have 4 and they're all maxed out. Due to personal circumstances I am unable to pay the balances at all, and all that happens is the interest racks up and up and up..... I have spoken to the companies involved and also Step Change (who have advised a Debt…
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Balance Transfer
So i have decided that 2013 is going to be year that I take back control of my life and one of the big things to address is my finances. Over the last 3 yrs I have racked up approx £10k in credit card debt (for various reason - flat refurb, paying twice for things after fell victim to cowboy contractor, essential trips…
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Vanquis APR - Whats your rate?
I was just wondering from reading numerous posts on Vanquis if anyone had actually been given the 'Representative 39.9% APR" I know a few people personally who have Vanquis cards and none were given it.
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Amazon Not true 0% card
I thought I was quite knowledgeable about promotional rate zero-interest rate cards having used them for years to pay for insurance etc. But I've just discovered, the hard way, that the Amazon (Bank of America) zero interest card is not what we understand by a zero interest card; Although it claims to have a 13 month…
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What is your current credit card balance?
Just wondered what everyone has on their credit cards. I have 1 card with £50 outstanding. Will pay that off on pay day next week.
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MNA Interest Rate Hike
Hi, Does anyone have any information on Card Suppliers raising the interest rate on an account when it is closed but still in the process of being paid off? Am sure that there was an announcment from somewhere saying that once an account was closed by the customer, the interest rates should not be raised. Any help much…
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2 different interest rates - balance transfer?
I currently have a Barclaycard which is fixed at 6.9% for life. I've recently received an offer for 0% for 9 months.... My question is - if I take advantage of the 0% then at the end of the 9 months transfer back to my other card will they transfer the higher or lower % APR? So for example if I transfered after 8 months…
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Would I qualify for a Laura Ashley credit card?
I am about to make a big purchase from them and would welcome the extra discount they offer when you open an account. I am a bit concerned that they won't let me because of my income. I already have a John Lewis Partnership card which is my main card. I am retired with a private pension of just under ten thousand but…
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Credit score - Shop Direct
I just obtained a free credit report from noodle, and my score was 1/5, upon reading the report, there seems to be two factors which would lower it. An old bank account which i simply forgot i had an overdraft on - (I am on depression medication and it affects my memory) and a shop direct account which i currently still…
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Mbna
I am applying for an MBNA Platimum Card. I am mainly wanting to get it so I can transfer my Vanquis and Capital One balances to it as they are 34.9% and 39% APR respectively and the MBNA is 16.9% which is a lot better. They are doing 0% for 23 months also. My question is if I am accepted and I transfer them balances can I…
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Credit Card Problem
Hello my name is Kev and i would like to say sorry if i post this wrong as i am new to this....... I have recently tried to obtain a 0% on purchases credit card , unfortunately i was rejected. (halifax, tsb , tesco) It was the first time i have ever tried to get a credit card so wasn't sure what the issue was....... i did…
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Bad Credit Cards
Okay so I need a bit of help here, first post on her so be patient if I ramble. I'm 23 and am trying to get a credit card. Not to spend mind you, I've had my hours cut down at work due to medical reasons and I wanted a credit card just to cover a couple of things and build up a credit score as well. Problem is I keep…
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Tesco Credit Card making it impossible to access account online
I've been paying my Tesco Credit Card happily online for months. Then, a few weeks ago, the website wouldn't let me in. It needed to send a code to a mobile, and I don't have a mobile (I've never had one). I had to pay at the bank, while a new code came to me through the post. A week ago, the same thing happened. Once…
