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Lloyds TSB final settlement on Credit Card - Rejected
Hi All, I recently sent a template letter to Lloyds asking for a final settlement figure on my credit card, I've missed multiple payments over the past 6-7 years and feel the only way to get out of this is to finally get this paid off. I basically went it with an offer of around 30% as full and final settlement stating…
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Expired credit/debit cards
What do you do with old cards? OK cut them up as instructed but then what? Chuck them in the bin? Not very 'green' but are they recyclable as plastic?
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Aqua Advance
Hello, you lovely people :D I've had my Capital One Secured Card now for a year and 3 months, while I like Capital One, I'm a little bit annoyed that they doubled my limit but didn't even bother to return my deposit :( Anyway! I've just been accepted for the Aqua Advance credit card at the exact same (shocking) Apr (pay…
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Cash Plus Credit card Offer
Hi, Just to confirm if anyone have heard about Cashplus Mastercard credit card. I got a letter yesterday through the post offering me a balance transfer credit card at 17.9 Apr based on £2000 limit. I am not going to apply as I dont need it. am asking because cash plus are know for prepaid card and not a full credit card.…
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Credit Cards for Overseas
I think MSE should be more specific when recommending Capital One Credit Card for use overseas because of nil loading. I have a Capital One Asplre World card which charges 2.75% on foreign currency transactions
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cashback cards - can you get 2 cards for 1 account?
Hi Never had a Cashback credit card and looking to get one for petrol and grocery spends. Just wondering whether me and DH both apply separately and get our own cards each or if there is the option of adding another cardholder with cashback cards too, like most CCs? And any tips for which card to go for for long term…
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Help with my first Credit Card. How does it work?
I just got my first ever credit card. I have a bad credit file so had to settle for Capital One Classic not allowed to post links but it is this card here capitalone.co.uk/creditcards/classic-mastercard-credit-card.jsf Only have a limit of £200 and don't really want to use it that much only to rebuild my credit and for…
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New to Credit, need some advice?
My credit report shows to lenders that im not currently not 'borrowing' meaning I have no credit cards, loans, mortgages accounts etc. I have no defaults/ccjs that lenders can see. From this I assume my credit rating is fair to good I think. Will lenders give me credit or will I get rejected? For example if I go to phone…
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Convincing a company to combine CC limits
I have a Luma credit card and a capital one credit card, which are both ran by capital one. The Luma is a cashback card and I'm going to close the cap one card. Just wondering if anyone thinks capital one would be likely to add the cap one card limit to my luma limit, effectively 'consolidating' the two cards into one. I…
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LLoyds Platinum Credit card
This card may look attractive from a balance transfer point of view.....But borderline impossible to pay each month. You cant pay over the phone. You pay over internet banking unless Lloyds account is held You cant speak with anybody from the CC dept. You cant change address without visiting Lloyds branch. Would definitely…
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Can't get a 0% and can't fathom why!
I am really in need of a 0% credit card for some purchases I'm going to need to make over the next few months. I've applied for RBS, Virgin Atlantic and Santander and been declined for all three. The only problem is, I can't work out why. Or, what I need to change to be accepted. I'm full time employed, earning just shy of…
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Debit card payment
Hi all..... Last year i booked a holiday for this summer for my partner and i. Sadly she is poorly and its likely that we'll not be going. Anyway i paid the deposit on my debit card which i understand and accept is non refundable.The remaining money was to be paid on departure from the accommodation. Assuming we are unable…
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Transfer credit card debt to someone else
I want to take out a 0% interest credit card into which I can transfer someone else's debt. If the debt is say £10,000, how many new credit cards would I need to take out? My credit rating is excellent, by the way!
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Adding wife to account
Evening all, Just looking for some advice on asking for my wife to get added to my account for a BT. The ball and chain....sorry wife has a barclaycard which is maxed out at £2.5k. She was recently refused by Tesco for a new BT card so i was wondering, as I have a CLEAR tesco card and they've offered me a BT at 0% for 14…
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What should I do?!
Looking for some on what to do with my credit cards. I currently have a Tesco Clubcard credit card which is on 0% interest but the 16 month term is coming to an end and I have just under £2,000 to pay off. I also have a 0% balance transfer Barclaycard I took out after my last 0% credit card which has been running for 15…
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Declined application from Halifax
I took the advice from the tips on here, I have an excellent credit score from experian (978),with halifax showing up as the best one to apply for 0%..... Did one of your 'will I be accepted' as they dont show up on my scoring.came back as 90%..... Went to Halifax, filled out all the blurb,30 seconds later...'sorry you…
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declined balance transfer card
I badly need a new balance transfer card, my current one is coming to an end and I have £4000 left to pay on it, but having tried one in November (MBNA) which was rejected, then another today (halifax) which was also rejected I don't want to hammer my credit score, I want to figure out what is causing them to be rejected.…
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Barclaycard interest question
Hi, I have just finished paying off my barclaycard. My last statement on 9th Jan was just £12.63 of interest for the last month, as I finally paid the thing off. I haven't yet paid the £12.63, but will do obviously before payment date. My question is if I spend £60 on it this month, will they charge me interest on that…
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Credit cards and mortgage application
Hello there, I'm not sure if I should be posting this here or in the mortgages board. My husband and I have recently moved in with my parents so we can save up for a house deposit and clear our credit cards. Only a few more months to go for the CC's to end :-). My question is, when applying for a mortgage are we better to…
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Re transferring a balance
I teansferred 2 mbna cards balances to my halifax interest free for 28 months which i thought was a good choice. Today i recieved 2 Letters from mbna asking for £60 for both accounts as they have said i still have interest to pay on both accounts they said that even though i did the balance transfers at the time the monhs…
