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Loyds have Reduce credit limit Why?
Hi I have had a loyds Credit Card for a number of years, I was late on a payment a few months ago and they reduced mu credit limit from £7500 to £2990. Today I have received another letter stating they are reducing my credit linit again to £2550 just above my balance. Does anyone know why they may be doing this I have…
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credit card stopped charging interest
I have a tesco credit card which I have had for years, I am not in arrrears with it, sometimes pay the minimum amount sometimes more. I have just realiased that since January they have stopped charging me interest and I am not sure why, i did have a repayment plan a couple of years back with it for a few months but once i…
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Barclaycard Initial!!
So, I applied for the Barclaycard initial this afternoon, it's terms of acceptance are: -You’re 18 or older -You have no credit history -Your financial situation has improved over the last 12 months -You have not been declared bankrupt in the last 12 months -You’ve had no County Court Judgments or Individual Voluntary…
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Bit of a thick question re: defaults
Is a default registered once, or every month the account remains in default? :think:
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How long are financial connections relevant for?
I just checked my Noddle (Call Credit) credit report for the first time and have found that they have my-ex of many years ago listed as a financial connection!? Maybe many years ago we applied for a joint account or something, I can't remember. This has never showed up on Experian or Equifax and I certainly have nothing to…
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Post Office Platinum Card - WARNING - contact issues
I have a Platinum Card for use when abroad in Europe - it really helps that there's no conversion charge into Euros. I've been using the card for several years without a problem ...... but on my last trip I was charged twice for car hire. I reported this to the Hire Agent in the UK as soon as I returned - and followed up…
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credit card company adding intrest then charging you for now going over the limit
am not sure if the users of this site think this practice is okay? i have an aqua credit card each month on the main overview of my account iam told what my balance is,what my credit limit was,and what money i have available to spend (if i want) iam told by them! what the minimum amount is- that i need to pay and what the…
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Capital One Secured Mastercard CC
Afternoon All Does anyone have any experience with the Capital One Secured Credit Card they're offering? I'm looking at building my credit rating up as I have no history at all so I'm not looked upon favourably by any creditors it seems. I eventually want to own my own home and have the luxury of having credit available…
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Overseas Spending - Perfect Credit Cards
I have been reading about the best cards to have for travelling abroad, and I just wanted clarification on one thing. These cards that do not charge 2-3% etc, do they offer this by giving a less than favourable exchange rate? Or is there a fixed rate, and so the charges by some cards are all just additional costs? It used…
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Best card to move to with a largish balance
Hi all, Wonder if you could point me in the right direction. We've (wife and I), very slowly and stupidly, managed to run up about £6500 on a Barclaycard. It was a stupid case of the odd thing here and there over 3/4 years, and before you know it, that's where it is - I'm paying a lot of interest, obviously. Our only other…
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Halifax Clarity
How is this a better deal than getting cash from a bureau de change? I cant figure it out. From what I gather, there is no withdrawal fee abroad, but regardless of whether or not I pay back in full on time, I still get charged in interest in what I withdraw? So doesnt that negate the effects of a business rate exchange…
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Virgin amex and visa credit cards
£140 a year for the black version. Currently got amex platinum so I'm wondering if I can switch. Friend of mine recently used virgin miles to upgrade flight to upper class. I've always found that with things like airmiles its nigh on impossible to find flights for rewards travel or flights that let you upgrade. Anyone…
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"very" catelogue: My commitments
There is no catalogue section, so please excuse me for posting here. I have just signed up to "VERY", with a starting limit of £1000. I got £10 off my first order and also used a voucher for £30 as I wanted to take advantage. I have now received my item. I would like to know just what have I committed to? Do I have to stay…
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Halifax Clarity - Chances of getting...?
Hi all, Interested in applying for a halifax clarity card to use abroad for a few holidays this year. I think I'll meet the criteria with income etc and already have two credit cards, one with santander with a £3000 limit, however the other one is already with Halifax and has a £6000 limit. Will already having a credit…
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Timeframe?
My partner & I hired a car in France a year ago and have just had a letter from the hire company to say they forgot to take payment & will debit our credit card now. In truth, we genuinely hadn't realised we hadn't paid for this but wondered if there are any time limits regarding when they are allowed to claim money from…
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Taking a second balance transfer on existing BT card
Apologies in advance if this is a stupid question, but I can't see an obvious answer to this anywhere. If I have a credit card with an existing BT with £500 remaining and 5 months left on my current offer, and the company writes to me with an offer of 0% for another 12 months if I do another BT. If I take up that offer and…
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(Q) Credit Card won't allow Balance Transfers? [Tesco / Vanquis]
Hi Guys Good news, I have finally got a decent credit score after years of hurt (Very Good on all three CR Agencies):beer: I have just been granted a Tesco CC (5.5K limit) and as it's 0% for Balance Transfers (BT) I wanna get rid on my £900 outstanding on my Vanquis CC. (current limit £1000 - due to go up to £2000 in a…
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No interest if paid off in full??
I am looking for credit cards that do as they used to by not charging if they are paid off within the same month. I'd even consider one with a small annual fee. I cannot see any like that anymore. There are plenty of "Zero interest" for an offer period when you can possibly move, but I am not interested in that. The main…
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Barclaycard missed payment - how long on credit file?
I missed a Barclaycard payment two and a half years ago (marked as a '1'). Will this be on my credit report for another three and a half years, or will it stay there for six years from whenever I close the account?
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Sygma / Creation rejecting BT to Clear Outstanding
This is both a warning and a request for help! I've just got a long 0% offer via Natwest. I intended to clear the balance on my Creation card before the interest free period ran out but my initial balance transfer was returned. I called the relevant CC team and they told me it is because Creation do not accept faster…
