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Credit card limits to percentage of income
Hi all, apologies if this question has been asked before. What percentage of income is seen to be responsible to have as credit card limits. For example, if income was £30,000 per year gross, what would be seen as a reasonable credit limit on cards. Thankyou.
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Debt consolidation, yes or no?
I'm trying to sort out my debts before I shoot off to univeristy (lol) I currently have a £3000 settlement figure on my HP car. I have £1800 in cash to pay onto it leaving me with £1200 to make up. Is it best to pay the remained on my nationwide credit card and balance transfer it to my Barclays 0% until February 2015 and…
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balance transfer
ive got two credit cards(joint balance of about £7k) which never seem to come down !! ive got a fair rating of 812, but I cannot get any credit ...ive tried to get a credit card balance transfer to get a lower rate so my balance will start coming down, but just keep getting refused, im paying over £100 a month on one card…
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Finding which credit card I will be approved for
Just watched Martin Lewis' Money Show on ITV, where he mentioned that there is a site which will give you an idea of which companies will accept you for a credit card and which will not. i.e. based on your credit score and present debt level etc... However, he did not say what the site was. Anyone know this? thanks
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Pension Hell! Zurich not budging!
I wondered if somebody could help me please? Pension Hell! My husband began/invested in a Pension that over a decade and a half went from 9k to now 19k. We had a death in the family and had to bear funeral cost, also moving to new house at same time, so suddenly an unforeseen huge expense! Phoned Zurich with regard to my…
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deceased persons credit cards
Hello, i am looking for a bit of advice, my farther passed away last year and had 2 credit cards I have written to them sending them a copy of the death certificate and informing them there is no money in the estate and asking if they would consider writing the balance off. one of them have written back confirming the…
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Credit card and interest free period effect on credit rating
Hi all, Just wanted to check something. I usually pay off my credit card in full every month as am trying to improve my credit score. However, this month is a little tight and I have noticed that my credit card offers "Up to 56 days’ interest free period on purchase transactions only, where you have paid off two or more…
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My first credit card?
Hello everyone I've been looking around this site for a while and just joined the forum hoping that I could get some advice :) I am wanting to apply for my first credit card and wondered if anyone could suggest which ones I should be looking at? - I've looked at Vanquis but the APR looks a little to high, or should I be…
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Credit report and Credit Card
I paid my credit card off three weeks ago so the balance is zero. However my experian is still showing I have it and the balance is £3800. How long will it take to reflect? Thanks
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Advantage Gold - 50% refund?
At a meeting with the local NatWest branch manager about 10 years ago he convinced me to take out a NatWest Mastercard on the understanding that if I spent more than £500/month on the card I would get 50% of my Advantage Gold fee refunded. The refund was annual and I know that I did get it for at least a couple of years.…
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Paypal payment - treated as cash?
Hi all There have been previous posts on this topic but most seem a couple of years old and don't cover my specific circumstances. I'm about to book a rental cottage for a few nights away. The owner takes payment either by BACS or Paypal. I'd like to pay by paypal and stick it on my 0% rate credit card but wondering anyone…
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Capital One - Cashback Error!!!
Has anyone received their January Capital One statement and not received the Annual cashback they were expecting? My December statement stated my annual cashback total was £15.80, this is normally credited on my January statement each year. I received my statement today and no cashback had been paid. After a one hour call…
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Credit Card Interest
I have transferred a balance to a Tesco Credit card with 0% interest. However I have just received my first statement and they have charged interest on the Balance Transfer fee, treating it as a 'purchase'. I have never experienced this before and wondered if they are allowed to do this. If I don't pay in full and they…
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Company credit card
?I have left the company i used to work with and with my role a company credit card was issued, with my name and statements sent to my address - although paid direct by the business. As i have now left the company have informed me that they will sgtill use the card for the new person in the role but it will still have my…
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Confused by MSE's £10k claim on AMEX
Hi all, I've just been looking that the cashback advice on the Amex Fee and Fee-Free cards. MSE states that the fee-free beats the fee'd card below annual spends of £10k. I put together a spreadsheet and worked out the cashback at various spending levels. Assuming Amex 1 earns tiered 0.5%,1%,1.25% at <3500, 3501 to 7500…
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Stranded by barclays
Hello...i do not often post on anything, but this has totally hacked me off beyond words... I work in Brazil and was planning a little holiday up to Cancun before returning to Uk. All was well, flights paid for, hotel booked....the usual. I was planning on using my Barclaycard Platinum whilst over here and went to make an…
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credit card debt.....need help if to shift to a loan
Hi. I have 3 credit cards totalling £7'388.59 in debt and £1'005.00 on my boyfriends credit card that I have just transferred to try and improve my credit score as they won't except me for any other cards. I am then hoping I can apply for a 0% interest card. Or would be better getting a loan for all this debt. Unsure what…
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Emergency CC for someone with bad credit rating
I am going on holiday with my family to the USA in a few weeks and would like to have a credit card with me for emergencies. My credit rating is very poor, having suffered redundancy amongst other things in the past few years. Happily things are much more secure now (hence the holiday) and I'm in the process of paying back…
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Balance Transfer Advice
Hi there, Call me stupid here but I think I've managed to confuse myself unnecessarily. I currently have a 0% balance transfer credit card with £1100 left to pay, for which I'm making the minimum payment each month as required. I also have a "everyday" credit card (20.9% APR) with £500 on it, making the minimum payment…
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Opening another Card?
Hey Guys, At the moment I have two credit cards: one clean and one with £300 being paid off £30 a month. I used them both, one after the other, for their interest free periods and then when the latter ended, the first provider offered me a 10 month interest free balance transferred so I moved it back to where it started. I…
