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Existing debts when applying for credit card
Obviously when you apply for a credit card the credit card issuer considers your existing debts. My question is - do they consider different debts, differently? For example - will my mortgage and secured loan impact on my credit check or do they mainly concentrate on only unsecured commitments? Thanks!
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Coming off debt plan (credit score?)
About 3 years ago, I entered into a debt management plan with a third-party company for 2x accounts with Barclaycard, and 1x Amex. Total debt was ~£18k. I then left the country, and was gone for about 3 years. Every month since (with a couple of instances where the management company didn't forward funds on time), I've…
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catalogues
Hi Everyone I am new and looking for advice, i have the JD Williams cataloge group and have paid them off i no longer wish to use them, should i close the accounts i have been advised doing this will look bad on my credit report to leave them unused and open looks better, any help and advise will be much appreciated thank…
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Barclaycard - Platinum Simplicity
I recently applied for the Barclaycard Platinum Simplicity credit card online. My application was referred and 5 days later I received a letter stating I was turned down for the card but that they would like to offer me an alternative product called the "Simplicity Barclaycard" with an APR of 9.9%. This is fine and suits…
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American Express Platinum 50,000 Membership Points
I need some help. I took out an Amex Platinum card late last year when they were offering 50,000 points if you spent so much in the first three months. I did this but I have just been told that supposedly this offer wasn't actually on then so I get ZIP. I unfortunately have no proof of this offer. Any advice on what I…
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New one !!
Was getting into the credit card system the first time. Have heard of it a lot of times, and even that do not enter in this system, but i wanna try it out. Is any suggestions for me what should be my first step to advance my progress... ??
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Jersey residents eligibility for UK Credit Cards
Does anyone know of any UK credit cards that are available for Jersey residents? Having used the Moneysupermarket soft checker using my Jersey postcode, it is telling me that apart from CapitalOne I am not eligible for other cards. I have made a few phone calls and e-mail enquiries to card issuers, e.g Barclaycard, only to…
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Prepaid Credit Card refused (Orange/MasterCard)
Hello all, I've just been through the mill with Orange Mobile while trying to top up a pay as you go account using a prepaid credit card. I'm posting here to firstly warn other members that there may be a problem, and secondly to document the situation to enable a point of reference should any further action be required.…
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Credit card number illicitly used - query
When a credit card transaction is declined (due to illicit use of the card number by persons unknown), shouldn't the bank responsible contact the owner of the card to inform that person that someone has been trying to use their card number? I ask as I tried to use my credit card today and it was declined - a couple of…
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Paying off CCs / company reducing limit
I have credit cards with Capital One (2 x £500), Barclays (£750) and Natwest (£1500). Two years ago, I paid off £250 on my Barclaycard, and they immediately reduced my limit from £1000 to £750. I want to pay off some of my cards, but I also want to retain my credit for emergencies. Are all of the above lenders equally…
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Unexpected Cash Advance on Barclaycard Initial
Been doing matched betting for a couple of months and decided to use the float available on my Barclaycard initial. I must admit, I didn't check the full t&c's as I can't find them in print, nor on Barclays website, but there is a summary page where you go to apply for the card, and it mentions nothing about credit used…
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Some advice please.?
Hi i have had my sainsburys credit card for a few years now but not been using it for a while, anyway I have just been offered a 0 % from Sainburys credit card for a balance transfer. But I don,t need it yet , i n 5 months it would be lovely. Does anyone know if I asked them in 5 months would they be likely to offer me…
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American Express £25 membership fee
I received a postal mail from American Express this morning about how they're doubling nectar points, and for these "enhanced benefits", they'll charge me £25.... er? no. I'd rather have the same points and no fee. I'm leaving.
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Tesco Credit Card not a best deal
Well Tesco bank clubcard credit card was supposed to be interest free. I have got the card and have registered for online banking. Now I have a statement showing I have to make minimum payments, nothing about any interest free period. Online Helpdesk:- Server error Customer Contact Number:- 2 minutes of security questions…
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Is there such a thing as a "first time credit card"
My husband is 27 and never had any credit at all. I've been begging him for 6 of the 7 years we've been together to start building a credit history but he wouldn't because he "doesn't believe in it". However, despite savings and a decent income we got declined for a mortgage, partly due to him not having a credit history.…
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Where did that free AMEX cashback card go?
I remember there was an AMEX cashback card that didn't have a monthly fee. But I don't see it on MSE or on their website: http://www.moneysavingexpert.com/credit-cards/cashback-credit-cards Did anyone have it? Was it discontinued? £25 a year detracts from any earnings.
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Halifax Credit Card Refund
Hi, I booked a holiday, and had to cancel it recently with a full refund (Due to a refund guarantee). The money has been refunded back on to my credit card, which means I am now considerably in credit there, with a small debt in my current account (0% overdraft). How can I get the money from my credit card to the current…
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Nectar AMEX Annual Charge £25
Has anybody else received a letter informing them that there will now be a £25 charge on the Nectar AMEX card? There is a link with more details to: http://americanexpress.co.uk/nectarpremium They seem to be offering an opt out of the annual charge but with worse Nectar points.
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Martin onTV Credit Cards on fuel Today
Great show but did not see mentioned Nationwide Credit Card for CASH BACK.:money:
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Advice - Cancellation fee taken from cc out side of terms of agreement
Hello I need some advice on what will happen next: I made a hotel booking over the phone and gave my cc card details to secure it. I was told the cancellation policy was 7 days notice. I received an email with no details of the cancellation policy. 10 days before we were due to go, I cancelled the booking. The hotel (its a…
