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Credit file
Hello I have never missed payments, had CCJ's or been involved with debt collection agencies luckily and I am employed full time with a decent salary. I was shocked therefore to discover that I have a low credit rating as I assumed this would be reserved for those with previous debt problems. I have had and paid off…
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Suffered a mini stroke TIA
Hi all I may have suffered a mini stroke.I will know tomorrow after I have some more tests.Being a taxi driver this could result in my licence being revoked for a time possibly around one year.I am now very worried that I wont be able to pay my bills council taxi etc.Is it possible to get CC companies to suspend payments…
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Balance Transfer
I currently have a 0% card that I have mainly been using for stoozing. As the 0% period is ending soon I applied for another card to transfer the balance across to. I got accpeted for the new card but there is a limit. This is lower than the outstanding debt. Which of the following can I do and which would be best? * Pay…
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balance transfer query
At the end of December I transferred 60% of my Barclaycard balance to Lloyds for 24 months at 0% interest. I have now been sent an application for another credit card (Tesco) with 29 months 0%, would it be wise to transfer the balance of the Barclaycard debt to Tesco as the interest rate on Barclays is 17.9%? I would then…
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Accepted for loan, but not credit card
Hi there, in the last 12 months, I have been accepted for a bank loan of £3000 & £5000 with my bank, which I never took out, I got finance elsewhere, I have also been accepted for a business credit card, but on applying twice for a personal credit card, have been declined twice, any suggestions why? Thanks
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First time credit cards
Hi, I'm 27 years old and have never had a credit card. I was thinking about getting one however I was rejected the first time and scared to try again, as I know that if you apply for one too many it will affect your rating. I would like to build a credit rating but honestly I have no idea what to do and where to start! If…
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Pending transactions have disappeared from my Capital 1 account!
Several transactions including one for £332.29 have disappeared of my account online and apparently I have a lot of 'available balance' however I know that that can't possibly be right. I must add that the £332.29 has been pending since I made it on the 4th but has disappeared today (but it never reduced my available…
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Cap one disputed payment
Hi All I recently used a secure car parking facility while i was away and my car was damaged while it was there, the owners said scaffolding fell on it but they aren't liable?? That part is now in the hands of my insurers. I paid for the car park using my capital one card, I believe I didn't get the service I paid for and…
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Existing Card or New Card
I have received a letter from Barclaycard notifying me that my credit limit is being increased from £350 to £1800. I have had the card for years and years. I also have another credit card with a £3000 limit, and as such this is my primary card. I pay my bills off in full every month, and have always done so. I have a week…
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Capital One & Aqua queries.
Hi all, I have a Capital One card - limit is £1,200, 34.9% APR. Current balance is £1,230 (no clue how that happened and have just made a payment to cover the overdrawn amount :mad:). I also have an Aqua card - limit is £850. 45.9% APR. Current balance is £0 (:T). The Capital One card is a normal "Classic" card. I am…
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Argos card
I bought a washing machine in july last year from argos so i signed up for an argos card to get the 7 months interest free thye were offering . Last night i paid off the balance and dont think i will ever use the card and its 36% interest rate. Can i just ask them to close the credit account and will that alter my credit…
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International fee free cards
Hi can anyone help please? I have a Metrobank account and credit card which has always allowed fee free usage worldwide. However, they're now restricting this to parts of Europe from March and will charge for using it in the rest of the world (including ordering from websites based in non-European countries). Does anyone…
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Barclays Freedom Reward
Hi All, I've recently got a Barclays freedom rewards card. Yesterday I used it for the first time for a few purchases. The card has 9 months 0% balance transfers, but not purchases 0%. I'm wondering if I pay the £178 off within a few weeks which was the purchase amount, will I be charged interest on the whole amount…
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Was told car has new engine but it hasn't
Dear All, I am going to try and summarize the problem here, hope someone can help. A week or so ago my car stopped working and AA declared it as engine seized. I got it to a independent small (back street) garage, who said that engine was seized and there were no codes in computer and that it would cost me £2300 to get it…
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Partner was given a credit card she didn't want
My Gf went into Lloyds bank around 6/7 months ago to sort out her online banking. She has only just told me today though that the lady kept banging on about an extra card. My gf first language is not English, but she is without doubt capable of holding a conversation (usually more than me), but her downside seems to be…
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example letter to offer settlement
Hi guys First of apologies if I'm posting in the wrong place. I'm in £15k debt but I'm in a position where I could negotiate an form of settlement agreed with each creditor. I've got 5 creditors to settle, all debt adding up to £15k. My question is, is there any example letters to send to my creditors offering a discounted…
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Advice on controlling CC debt
First time poster so please be gentle. Just looking for some advice. Due to various minor catastrophes in the last couple of months we are going to end up having to put some spends on our credit card to get us through the next couple of months. We have a Virgin Credit Card and we will probably end up with 4K on it. The…
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New Barclaycard Freedom Rewards doesn't appear on credit report.
Hi there, I got accepted for a Barclaycard Freedom Rewards back at the beginning of December. I have started using it constantly since the beginning of this year and it still doesn't appear on my credit report... Does someone know why this is? Will it just take time? I was also wondering how one gets those 0% cards... the…
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default letter of credit card - nuts
I received today a letter from Barclaycard about a default payment to my card (I have £5k on interest free BT on it) , charging me £12 fee which I'm happy to pay. Please tell me this doesn't mean I lose the 0% BT offer? Is there anyway around losing the 0%? (I know I should of paid on time) Thanks in advance
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Amex Platinum Cashback Everyday Credit Card
Afternoon Folks, Having read many threads on MSE I decided that I'd like to apply for one of these cards, obviously to take advantage of the cashback! I plan on using the card to pay for most things, such as supermarket shopping, petrol, clothes etc. For every transaction/s I make each day I plan on transferring the same…
