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Increasing credit limit
I got a Nationwide Select credit card in March as I've banked with them for years and wanted to take advantage of free use abroad as we're going to the USA in October. As it's my first credit card, I thought it would also be good to build a credit history so I've been making purchases and paying off in full every month. I…
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Santander Zero Credit Card Interest Charges!!
Hi has anyone had experiences with the charges Santander apply to the zero card. Last month I had a balance of £3000 with an estimated interest payment of £87. Despite paying back £2000 on time I was still charged £75 interest. I called them and was told this was standard procedure. Just leaving a message to make sure no…
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will cancelling my credit card hurt me
Hello martin, I have just transferred my balance from my Barclay card and wondered if i should close it. I have had the card for 10 years, never missed a payment or gone over the limit. Will closing it be better or worse for my credit rating? Thanks Brett
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Providian Credit Card Help!!
Hi I am new to this forum and yet you guys have helped my wife on some money matters in the past, so I am hoping you guys can help me out. Today I received a letter from a company called CCS Collect, asking to speak to me about a personal matter following an investigation. Of course I quickly called them up to ask what…
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Santander Payment Issue
My statement appeared online on the 11th so I paid the minimum + £1 by FP straight away from Barclays. It appeared almost immediately as always. However it showed against the last statement period. This month's still showed 0 transactions today so I've paid it again. Would I have been stung for no min payment this month?…
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Ryanair billed me for flight I didn't use
Some time ago while booking a ryanair flight the website crashed right after I'd entered my debit card details, I never got a flight confirmation or anything like that. A few days later I lost my debit card and got a new one. A few days after that I got a letter from Barclays saying Ryanair had tried to bill that card (the…
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Caxton PrePay CC / Oversees Fee
I will be heading over to Benidorm in September and I'm looking for the cheapest option of taking money. Looking at the Caxton FX Euro Card in particular, they don't charge a fee for cash withdrawals in Eurozone countries but would the cash machines over there charge a fee to take cash out using this type of card? I…
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Vanquis balance transfer
Hi,I made a online application to transfer a outstanding from a Vanquis card to my Barclaycard Platinum.I put the details in the Barclaycard site and it all looks ok.But I have noticed that there appears to be problems posted online regarding BTs from Vanquis.After the BT I will cut up the card and close the A/c.Has anyone…
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First credit card - Luma. Help!!!
So, I have a !!!!!! credit rating that I want to improve. I have 1 default on my file *sadface* that I can't wait to remove, I got this CC in the hope it will enhance my credit rating for when the default is removed. So, how do I deal with this? Make small purchases and pay off monthly? What if I use this to pay for my…
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Nationwide and recurring charges.
First time posting on this board and I'm not even sure it's the correct board for this so forgive me if it's not. The problem is this:- About 10 years ago I had a Sky contract that was paid for with a credit/debit (not sure which) card on a monthly contract. This was arranged by the installer of the dish after I gave him…
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charges
hi can someone help me can a credit card company charge you a late payment fee and then an ovelimit fee on same day when charge and interest being added on makes you go over. and apply charge straight away not on the next statement? thanks
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Help - Credit Card refund problem.
I'll try to keep this brief. In January 2013 I purchased 2 return flights from Brazil, this was for immediate family who were flying out, with no plans to return, but the carrier - Air Italia, wouldn't let them board without return flights. Paid with MasterCard for flights on the understanding the money would be refunded…
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Argos Credit Card
I've got one of these as I'm planning on buying bunk beds for my daughters next month, and it is buy now, pay in 12 months time (or something like that). This is a good deal for me as I'm actually looking to buy one big purchase from Argos, but probably won't use the card again as you can only use it in Argos and Homebase.…
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Can't get accepted
Hello people, I've had credit cards in the past and have a squeeky clean record, never missed a payment on anything and most of the time I clear the balance. I still have a open Lloyds TSB credit card that I use for emergencies but rarely use it to be honest. I had credit card companies begging me to take out their cards…
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Anyone asked for % rate to be lowered?
Am planning calling Halifax this afternoon to ask them if they could consider reducing the rate of interest on my account. I don't want a loan which they'll suggest, i just want to try lower the rate. Anyone else done this? How did it go? TIAx
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vanquis card
how long after being discharged from being bankrupt should i wait to get a vanquis card to start building my credit score .:)
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HSBC Additional Payments
A bit of help please, I have a HSBC credit card and I'm currently making a payment via direct debit every month. However I want to get rid of the card this year so I'm after making additional payments every month via standing order. I know in the past if you made an payment over the minimum amount they wouldn't take the…
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Applying for a mortgage, should I wait to get a new credit card?
Hi I am applying for a mortgage around September/October time and I wouldn't mind applying for a new credit card next week that has a better limit than my current £500. Reason I want a bigger credit limit is for security for when I do get a mortgage - last resort emergency funds. My credit score is around 900 so I think I…
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Virgin Credit card - default charges
Hi I've had my Virgin Credit Card for quite a while now and have just been making minimum payments. I check with my Internet bank Account every day making sure all my bill payments are made. Yesterday I decided to check my Vigin Credt card balance. I knew that the minimum payment covered the interest and a reasonable…
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Income calculation
Hi everyone, I'm planning to transfer my existing debt of about £1300 (Barclays Initial) to a 0% balance transfer card (haven't decided which one yet). I would like to use a pre-application form to check my eligibility. How should I calculate my annual income? I've started a new job in April and I'm paid weekly £398 before…
