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Best way to re-build credit rating?
Hello, As part of my plan to repair and improve my credit rating I applied for a Capitol one credit card and was accepted. It sounds silly but I'm really nervous about it, I was very bad with credit in my youth and not having had any for any years I'm worried I'll slip back into my old ways if I'm not careful. At first I…
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credit card, is it allowed
hi guys, i have 2 c cards which im now paying interest on, and cant get another 0%, due to me having a default on my credit file ( which i didnt no about and have now paid), question is can my husband, who has a great credit score and no c card, apply for c card and balance transfer my debt onto his 0% c card when he gets…
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123 Credit Card (Fuel)
Ok I have just got a 123 current account and a 123 credit card with santander. I reckon that with all my bills coming out of the current account (including mortgage) and putting teh right spending on my credit card then I can pocket around £20 per month (after the £2 fee). That said its clearly critical I get teh spending…
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Bad Credit - Credit Builder?
Hi, I have bad credit but would like some help to re-build this. I am not on the electoral roll and have been refused by vanquis and aqua, are there any others I can try? I am currently paying back my debt as much as I can. Thanks in advance.
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Aqua Card, Request to increase Credit Limit
[FONT="]Dear All[/FONT] [FONT="]I am currently having Aqua Credit Card with spending limit of £500.00 that I am hoping to increase[/FONT]. [FONT="]I believe I have a very good credit record as I have not missed any single payment. In term of affordability, I am a high rate tax payer and my Loan to Credit…
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Switching to a better Barclaycard rate.
Hi folks, I currently have a barclaycard inital with a 5k limit, about 2.4k used on it which i'll clear friday when my wages go in. I have a halifax all in one with a 1.9k limit and 1.7k on it @ 0% I had an issue last year with a motorbike accident which left me with a bit of a debt, nothing unmanageable. Anyway, i would…
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Sainsburys credit card
I used to have a Sainsburys credit card but didn't use it for a while so they 'closed' my account. Trouble is it was in credit by £5 and they haven't sent me a cheque, just keep sending statements saying account closed but in credit! I'm a bit tired of these now and want my money back but if I write to them or ring them it…
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Debit card charges
Payment is due for my lovely green bin from the council. If I pay by direct debit the charge is £45 if I pay by direct debit or credit card it is £52. I would like to pay by direct debit. Is it legal to pay an extra £7 on £45?
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Help Please credit check
Could anyone help me i really have no clue what to do!! yesterday i recieved a letter from a debt collection agency it was a verification letter for someone with the same first name as me and a very close last name one letter different, i think we have previously lived at the same house as i recived letters for them at my…
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Barclaycard purchase protection
I have a personal barclaycard platinum credit card. am i protected for loss/theft of purchases. ive tried to research it but not sure,ive seen purchases protected up to £3000 but not sure if it applies to my card or not. any help much appreciated
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Credit Card for university students
Hi there, Is there any credit card here in UK for EU university students?
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returned expat
Hi there! Ive recently returned to the UK (Fed. 11, 2013 after 12 years abroad ) and upon my return I opened a Flexaccount with Nationwide and a Capital One secured card (in order to improve my credit score). I have to wait 3 months before I can be back on the electoral register. When I first got back I applied online for…
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Credit card limit too high??
My credit card limit is way higher than I need on a month by month basis - I normally use less than 20% of the limit, and I pay off in full every month. I'm a bit worried that if anyone stole my card details they could fraudulently spend much more than I normally would, and I'm trying to decide whether I should reduce the…
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Two questions on debit cards
1st question is, does anyone know if Halifax debit cards beginning 4462 91 are online or offline cards? Tried to use it at pay@pump the other day and it said transaction cancelled kiosk only. Tried to speak to Halifax who didn't have a clue! Next question is: I was just comparing my old mans RBS visa debit card and his was…
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Vanquis Complaint
I'll give you some background to go on... They called me to make a payment, I spoke to a woman on the phone about making the full payment on a certain date and set up a direct debit to do it. However before agreeing I asked about credit limit increases and when I was likely to get one, she then states that if I make this…
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Amex Platinum Cashback...
Sorry if it's been posted already. Received an email basically saying amex are offering their cashback platinum card with 13 months 0% interest on purchases! Seems a pretty good offer to me. New customers only tho. amexcashback
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Balance transfer questions
Hello all, I have posted on the Best Balance Transfer thread but I think I should be posting here perhaps, so here it is. I am looking to shift about £20,000 in credit card debts, 1. Is there a max limit offered by these companies, as I cannot see it stated anywhere? 2. If I do not repay in full by the end of the…
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Which address to use for credit check?
Hi, here is a question I would love some advice on: When applying for credit, should my partner apply with the rental address she has lived at for 18 months (where she is on the electoral roll, but has no other credit history there), OR apply using her parents address (where she lived at for 15 years prior to renting the…
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How Many is Too Many?
Hi, I'm not sure if this is the correct place to ask the question, if not please tell me where would be more appropriate. How many credit accounts are too many? Both Equifax and Experian are telling me that the amount of credit accounts I have is high - I didn't think it was too bad so was just wondering how many other…
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Another CRAs !!!!!!!! ....
I called my credit card company a few minutes ago because I want to a few grands decrease in Credit Limit of the credit card that I hardly used I was told by the Customer Service that it might impact my Credit Rating as this will be recorded in the credit file. The reason why I want to decrease my credit limit is that I…
