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Close card or keep active?
Hi I have been fortunate enough to clear one of my debts, a cc with £650 limit on it. My credit rating is pretty bad, which I am in process of improving, so what would be better for my credit rating; 1) Close the account 2) Keep account open with full credit limit avaiable but never used 3) Use the card for things normally…
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Paying in full
Apologies for my ignorance, I wondered if someone could explain this to me in plain English. I got a Vanquis card in an attempt to try and rebuild my shot credit history. I have a credit limit of £500, and my first statement has been generated after only 2 weeks of receiving the card. My plan is to only use it for fuel,…
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mortgage and switching credit cards
We've just had our mortgage offer accepted by Halifax but it's not due to be completed till November when the house is built. We've been advised they still do credit checks throughout the process but we wanted to transfer our existing credit card debt to a 0% but not sure if this will affect the mortgage offer. Any advise…
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credit card ppi
Hi I had a lloyds tsb credit card around 10 - 11 years ago which i am sure i paid ppi on. In around 2005-06 i paid of the credit card with a lloyds tsb loan. I have recently tried to see if i could claim back the ppi on the credit card. But when i spoke to lloyds tbs i was told they had no record of the account or card…
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Capital One Progress - APR Question?
Last month I applied for and was accepted for Capital Ones Progress card. At the time I was expecting the advertised starting APR of 29.9% reducing every 6 months for the next 3 years. The card duly arrived and so now has my first statement. Although I owe nothing on it as I haven't used it yet, I logged on to download the…
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Refused refund of negative balance on credit card
Hello I'm wondering if anyone has experience or can give advice on my current predicament with a credit card. Recently I consolidated some debt using blance transfers but miscalculated and left a negative balance on a credit card that I wanted to clear. I contacted the firm and asked for them to transfer the money to my…
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Unauthorised access to accounts
Hi, I have some problems, Yesterday when I tried to access my emails I had a message to say someone is already accessing my account and a code will be sent to an secondary email address to verify. I quickly obtained the code and changed my password. When I logged into my email account I found a few junk messages was sent…
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Car hire and Vanquis Credit cards
Hi Just wondering if people have had any problems 'Holding' a deposit for car hire with a Vanquis card? I have plenty of spare credit to cover the £250 but I thought I'd better double check before showing up and Friday and something going wrong. The car hire company is Europcar if that helps? Thanks in advance!
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Monument recording incorrect info
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oops went ove limit...
hi,this month my credit report will show my high £523 went over my limit of £500. if in the future my limit increases to £1500 will this make it look like I've not gone over my limit, or is it visible on report that at time I went over my balance was 500 not 1500.hope I've explained my self. any advice appreciated , its…
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Don't qualify for a balance transfer card? Try this...
I currently owe £3126 on my Barclaycard Platinum. My interest rate is 17.9% and I'm looking to transfer the balance to a new card with a 0% interest rate. I used the money saving expert pre-application eligibility checker and was gutted that it said I had a 0% chance of being approved by any of the cards. Well that…
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Xfer from one 0% card to another
I want to take advantage of the long 0% card that Barclaycard is offering, as I know I qualify for it. Does it matter that my existing credit card debt is already on a 0% deal (which is about to expire?) Strongly suspect the answer is no, but just as I was about to do it, it occurred to me that I had never done it this way…
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Santander 123 - didn't apply?
Hi all - bizarre one here. I was in Santander the other day to pay in cash and the cashier asked me if I wanted to apply for a 123 card. I said no because my credit rating is shot to pieces. I just logged into my current account to check the money had gone in and it's come up with a 123 credit card with a £1,700 limit…
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Paying off cards quickly
This might be a daft question but I got a vanquis card recently to help build up my credit rating. I spend about £30 p/month maximum on it and pay it off the day or day after the statement is produced - I take it this will still count as a positive or should I leave some kind of time gap between statement and payment? I'm…
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BMI Credit Card
Hi, I'm really new to the whole idea of a credit card, having previously stuck to debit cards. I was wondering if someone could help me out with a fairly basic query. I applied for the BMI credit card and was accepted. In my application, I set up a direct debit, so that I would make a payment of £1000 for the first month.…
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Tesco 0% charge card not allowing Barclaycard balance transfers
I wondered if anyone else had come across this whilst applying for the new 0% charge balance transfers? I have discovered this whilst applying. Are barclaycard the people now running the Tesco Credit card? Thanks
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Fasterpayments
I have been using this system to pay creditcard bills etc for quite a while. I understood that the payments transferred within a couple of hours irrespective of the day of the week, bank holidays etc. I have just had a situation with MBNA where a I made a payment which left my bank account on Friday 10th May, but didn't…
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HSBC Credit card cancellation form
Hi, I've just recently paid off my student credit card and sent HSBC a letter stating that I want to cancel my student credit card and I was wondering what the letter would say as I haven't head back from them yet and starting to get paranoid as I want to know what it would say. If other people have had the confirmation…
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credit card help
hi all some help needed please, I have 6 credit cards which total £14500, every month I make my payments to every card, I never miss a payment, but the apr on the cards is very high so the total of each card is coming down but really slowly, eg my Halifax card apr is 26% the minimum each month £104 but only£5 comes of the…
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Vanquis, Halifax or both?
I opened my Vanquis Credit Card Account in March 2010 and even though during the first few months I made some late payments, for the most part, I've been paying on time and just two days ago they increased my limit to £3000. I've decided to go back to university. I'm a 24 year old mature student. I've just applied for a…
