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credit limit ~ share and discuss
Fact finding thread Well searching the web ive found there is no info on Credit card limit's based on your Credit score and income. ill start. Credit score: 556 Credit cards: 1 Total credit limit: £800 Annual income: £14300 savings/stoozed: £10 Debt: £0 hopefully this thread will give people a rough estimate as to what…
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Egg Cards and Credit and Enquiry Searches
Has anyone else been accepted for an Egg card (it was actually Egg Money) and obviously had the credit search carried out at that point then they did an unrecorded enquiry 5 days later. I know it does not make any difference to my credit rating as it was unrecorded but still pondering what it was for. I called up just to…
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Cheaper Petrol
We all know the big Petrol companies are ripping us off, so most of us are boycotting them and only using supermarkets. Well if you have an ASDA credit card you get 2 pence off per litre at the till. pay by DD in full every month and it costs you nothing, on the average mileage of 10,000 per year thats approx 1200 litres (…
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Tesco CC
I've had my Tesco Clubcard CC for 6 months now with a £4000 credit limit. It has around £1200 of BT debt left on it at a rate of 0% until November. However in January I broke the golden rule and due to personal circumstances spent around £2500 on the card (I know it's a stupid move but genuinely couldn't be helped). I've…
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Post Office Card.
Looking around ,my g/f decided this card looked good and applied - she has a decent rating , but says at the end can not make a descion and that they will be in touch within five days . Would this be a decline or any one else had this?
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HSBC Additional Card Holder
Hi everyone, I've had long trawl through all the posts on here & there seems to be conflicting info so figured it was worth asking the question (probably again) I have not had a credit card for nearly 4 years & my CRF leaves a lot to be desired. Going on holiday at end of May & want to be able to hire a car. My sis has…
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T-mobile no longer accept CashPlus MC for payment
After two weeks of trying to pay my T-mobile bill by CashPlus MC (which I have done for the last 12 months) and despite having two contracts and just renewed one for a further 12 months I have learned that they have made the decision to no longer accept pre-pay cards. I have complained and complained but have got nowhere.…
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Grrrrrrr - Halifax
I have just been on line checking my accounts etc, and it seems that Halifax have very kindly slashed my credit card limit by 1/2!!!!!!! I couldn't believe it..... Obviously, I phoned to find out why as I haven't done anything wrong and was going to be using it in a couple of weeks. They said its because of information…
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PPI on a credit card
Is it possible to reclaim PPI off a credit card? I don't remember agreeing too, or signing anything relating to my Virgin cc, but it seems i'm paying nearly £30 a month in PPI which i really cannot afford! If i can reclaim, is it the same sort of letter as the loan one? Thanks in advance, and good luck to others in similar…
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Halifax credit card to pay off overdraft
Hi I have currently got a halifax one credit card with 0% interst on purchases. Can someone tell me it is possible to pay off my overdraft with this card?? I am currently paying interest with my overdraft and the bank is saying i have to pay money each month. Help:confused:
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!!! HELP !!! best bt??????
:confused: hi,newbie to this but i am looking for a bt. i owe £8500 on barclaycard platinum and £3000 on a capital one platinum. maxed both cards out on renovations now hours cut in work and up the creek big style:confused: any advice would be most grateful, never done a balance transfer before so dont know how it…
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Pay off overdraft with credit card?
Hi everyone, I am a second year uni student finding myself struggling. Just paid deposit on new flat and having to pay two months rent till next month and have to pay other stuff. ie food, petrol, bills etc. I'm on a HSBC student account with 0% interest overdraft and i'm about £120 from my £1500 limit. Is there a way I…
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What Credit Card Company has rejected you the most?
As per the title who has rejected you above all else?
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Tesco CC reject
Looks like a few of us have been rejected by them - I especially fancied this one as I shop there all the time :rotfl: Anyway got my credit report only Fair so have closed down two CC accounts that I am not using in the hope that it will push up my rating. Went through to Tesco to tell them this said I had to send to them…
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Argos Card - documents needed?
Considering getting an Argos card to make a £250 purchase tomorrow, and pay it off at £50/month, thereby paying it all off before I start having to pay interest, but does anyone know what documents I'd need to bring to Argos to apply? Also, I have two late payments in a row last month and month before, for two bank/credit…
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Has my credit rating gone up?
Hi everyone, My latest cc statement shows that my interest rates have dropped to 13.9% (from 22.9% purchases & 27.9% cash) - Am I right in thinking this means that my credit rating has gone up? - If not, why would a cc company drop interest rates? (I didnt request it) Thanks in advance
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Did anyone else take out the Amex Nectar card promoted by MSE?
The one that promised 5000 extra Nectar points for a £200+ spend in the first three months. I did, yet never received the points. I mailed them yesterday and they were added manually. There seems to be a lot of this going on, in my experience, of these offers that promise something a few months later yet you only receive…
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Any advice please :-)
Greetings, I've been trying to check my balance of my HSBC credit online for the last day or two, however when I click on the balance it tells me; Now, I know there are recent transactions, so I rang HSBC to check on it. I finally got through to a nice lady in India who told me the last transaction she could see (all…
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When should I apply? Credit rating related
I'm currently in the midst of sorting out debt issues. I'm on a plan with the CCCS to repay my Barclay's loan and this will be finished by the end of the year. I have already cleared off and cancelled my Barclay's and Mint credit cards. I plan to, at some point, apply for an Egg Money card (I've already budgeted it so that…
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best credit card for me??
ive kinda stuck with the same card ive had for 10 years, lloydstsb platinum as i always clear my monthly spend each month (approx £600 to £800 pcm) so never incur any charge. now they've put me onto an amex airmiles duo card, not overly fussed just all the hassle of swapping over about 20 internet sites details like…