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Cap 1 New debt repayments apply to you
I suspect this is is my 1st and not the last of these repayment e-mails Capitol- we noticed over the last 18 mths a bigger portion of what you paid back on your credit card went towards interest. Which mean rule apply. Good news is your on track as the boost you gave to your monthly payments recently will help you avoid…
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Credir score gone down
Hi, I applied for a credit card and have stayed well below my limit and paid off in full as soon as I received my first statement and my credit score has gone down. I thought having a credit building credit card would increase my credit score not lower it? Nothing else has changed in terms of finances.
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Difficult to set up DD for credit card
Well not really difficult but seems to take an inordinate amount of time. I applied for the HSBC credit card, purely for the £25 on spending £300. Card arrived within 2 days, activated and £300 spent. Now to pay. I always prefer DD just in case I forget, get run over by bus etc. I apparently needed to discuss this with…
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Mbna visa credit card payment due date
Before my last statement was issued (24 August 2018) I setup a direct debit and received a letter from MBNA to say the Direct debit has been setup. That letter is dated 20 August 2018. The statement that followed says: The statement also says 'Payment due date': 18 Sep 18 My question is, if the Direct Debit is collected…
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John Lewis card - payment timing
I've had my John Lewis card about nine months and don't use it very heavily, so have hardly noticed the details of paying it off every month. However last month I was on holiday and used it frequently. I received the bill yesterday and have to settle it by 5 October. That gives me about 22 days - or less really, since you…
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Advice on applying for Credit Card
Hi, my first post here so.. Looking for advice. I’m applying for a credit card so I can move my ending 0% to another. This is the first time I’ve done so since my divorce and I was wondering about the dependants question on application form. And I don’t want to put the wrong answer and effect my application. I have two…
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How to pay off credit card debt of 10k
I have one cc which is at its 10k limit and would like to explore a way to pay it off as quickly as possible as the interest rate is very high and I cannot afford to pay it off in one go. Any suggestions please?
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Safty tip
Scratch off the cvv number from your card after recording it somewhere ( your phone perhaps) this stops card not present purchases if you lose the card. Technically speeaking defacing the signature strip invalidates the card but I have NEVER had any problems. I did this to prevent a relative with alzeimers being conned…
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Quick Question re Credit Card Charges
Hello, My granddaughter's friend has found a car that she is planning to buy from a local dealer. She has managed to get a Barclaycard with 27 month's free interest and she will be able to repay in that time. The garage have said that she needs to pay 3% on top for paying by credit card - I thought this wasn't allowed…
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2 CC fraud in 9 months...Is it normal?
Hi all, After having my aqua CC been used by fraudsters in January this year and successfully claimed money back, so far so good and I got two limit increases.... I had a trip to Estonia this week and received a fraud alert from aqua after i came back. So this happens again....Fortunately this time the transaction is…
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Barclaycard Rate Increase - Closed Card
Hi, I have a 'suspended' Barclaycard transferred from Egg that I cant use (and is being paid off). My latest statement has details of an interest rate rise as the Bank of England rate has risen. I queried this as the card is 'closed' but was advised that it wasn't Barclaycard that had raised the rate but was the Bank of…
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Missing kitchen parts - section 75?? Help
Hi guys I took delivery of my B&Q kitchen at the end of July and was advised one day before that that a section of worktop would be delayed. Due to the short notice my old kitchen had already been ripped out. Joiner went ahead and fitter what he could. Since then I have had a few dates for delivery and then short notice…
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Applying for a credit card when 8 months pregnant
We're looking to do a balance transfer onto a new credit card, but my wife is 8 months pregnant and the card needs to be in her name. When filling in the forms, it doesn't give any options for pending changes in circumstances, so she is answering the questions honestly. But I'm sure there is a fine line about fraudulent…
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Virgin credit card misleading
I’ve got a credit card with Virgin. The credit limit is £5000. I’ve been using it to do some home improvements. When I was logging on to my account it was saying my available balance was fine. So I kept spending. When I got declined I went on my account again. It was still saying I was fine. So I called up. The lady on the…
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Warning to Curve Card users - cash withdrawals might be charged!
If you use Curve to get cash from your credit card at an ATM, Curve are warning that you may now be charged for a cash withdrawal. This is because Curve are now passing more information about the transactions to the card issuers. To quote from their blog:- You can read the full blog here:-…
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Limit Transfer?
I know that if you have got 2 credit cards from the same bank, you can transfer the 90% of the available limit from one to another and cut the first. Does it work within the same banking group, by any chance? The question is due to the fact that it appears I can see my Bank of Scotland accounts in Halifax online banking.
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When bogus applications are made
Hi. In the last few months I've received two notifcations (Grattan and Studio24) informing me of decisions to reject applications. In the first instance, I ended up talking to Experian and some other similar firm about the fact that someone other than me had made the application. The later incident,the retailer has noted…
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Apple Finance Barclays & Paypal
I'm not sure credit cards is the right forum for this, or if it's a loan? Since the PayPal Credit seems to act like a credit card? Anyway, my question was, has anyone used either of these two things before, and can say whether you'd recommend it? Also, how hard was it to be accepted? I've got a decent credit score, but I'm…
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7 years unpaid credit card! help!
PLEASE HELP AND ADVISE!! i have decided that now is the time to grow up and manage my money a little better.... unfortunately, i buried my head in the sand a little at university 5 years ago.... a quick run down; i have £1600 student overdraft i never paid off because i decided to travel for a few years (stupid of me i…
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What does a hard pull look like on your credit report?
I'm looking at my credit report on Noddle and I have a bunch of searches, mostly from companies I've never heard of and as far as I know I don't have any relationship with them. My latest one was from Capital One because I applied for a credit card with them. Are all of these search hard pulls? Most are listed as General…
