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Stoozing effect on Credit Score
I'm in the early stages of looking to get a mortgage. I've got a copy of my credit report and the credit agreement section is "amber". I'm not entirely sure why - I had one late payment in 2016. However, my partner had one late payment in 2019 and is in the green. Is it possible that the two credit cards on 0% interest are…
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Removed - incorrect category
Removed - incorrect category
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Pay mortgage using a 0% credit card
Hi all, I was wondering whether there is a smart way to pay your mortgage using a 0% credit card? I know the method of using an offset mortgage, but are there any general ways of doing this, for any 'generic' British mortgage? Thank you!
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Goodwill credit on halifax credit card statement
I have a closed halifax credit card account that I’ve been paying off for some time now. I’ve been paying sufficient to keep the account out of the definition of “persistent debt” And today I’ve received a letter saying that they’ve reduced my interest rate to 0% and credited £600 to my account as a good Will gesture.…
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How can I maximise chance that new credit limit will match old?
I recently took out a 0% credit card from Virgin Money, and was given what I think is a very generous credit limit. When the 20 month period is over, I anticipate I'll be at or near this limit and will want to transfer the whole balance to another 0% card. But it's struck me that, for a brief period, this involves having…
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End of Contract during lockdown
Hi all, I have had a 24 month contract with Three for an iPad with data that came to an end of 4th April. When I contacted them to cancel the contract and not renew they said they couldn't do it there and then because that team was not up and running in the lockdown as staff was short. They have said that they have noted…
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Am I using my Credit card correctly
I’ve just got a credit card to improve my credit score, but I’m not sure If I’m using it correctly. So I’ve been spending on it and then going onto the app paying it off straight away. Is that ok or should I set up a direct debit for it to be paid Monthly?
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Is my son self employed?
Hi, my son has been working for a landscape gardening firm for 18 months. They asked him to submit invoices for his work weekly and the firm told him that they paid his tax so this was deducted on his invoice accordingly. Is he entitled to anything under furlough? Should he have been submitting an invoice to tax office, he…
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Tricked into removal of credit via AP
Hi. I’d be happy if somebody could point me how to move forward with the below. I contacted HSBC at the beginning of February and explained I was struggling to reduce the balance of the credit card due to the amount of interest being charged on the card. Balance: £6,300 Interest; £110 pm MP: £170 pm The lady discussed on…
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Highest credit limits
Just curious to know peoples highest credit limits? I am hoping to work a few up to 10k+?
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Savings for 17 year old
My 17 year old just got notice from Nationwide that his savings account with money from family and inheritance since birth is reducing to 0.5%. Can any one advise on a better rate option for a lump sum? He turns 18 in October when he can opt for a adult savings account like Marcus.... All the accounts I can see (Virgin…
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MBNA Money transfer card - money transfer facility disappeared
Logging in today I see no option to performa money transfer. It seems it's been withdrawn, and Lloyds banking group claim they don't need to inform me, My understanding was that it was part of my T&Cs for life until they changed and that they'd need to inform me of a change to T&Cs. Anyone else got any experience of this?…
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Mbna
I have recently cleared my credit card bill in full, I called MBNA a to do this, The agent gave me a figure and I paid it in full I then closed my card I have since had a letter stating that I owe £74 interest which was the day after my card was cleared do I have to pay this?
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Buzz trade and bizz coin
Has anyone heard of buzz trade I am getting people tell me how good this is however it seems like a big con and waste of money pyramid scheme does anyone know Thankyou
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Merging Credit Card Limits Question
In the past I have applied for new interest free offer cards whilst having an existing card with the following companies:- MBNA Tesco Halifax Barclaycard I have then been able to transfer the limit from the existing card to the new card. I currently have the following 3 cards with decent limits:- Santander Zero Nationwide…
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Creating a credit balance by transferring xtra?
Hi, Just got my Barclaycard Platinum with the option to do 0% transfers with no fee for 20 months. Only need to transfer a third of my available balance at present. What's the current position on overpaying different cards and requesting a 'refund' to current account? Thanks in advance.
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Are credit agencies pushing the cards they want us to have?
I've spent a little while looking at this, and recently when one if the credit score agencies send me a message to say that I've been pre approved for a card, I look with interest to find it's usually the one with a high interest rate, yet telling me I wont be approved for let's say MBNA for example, I then look at another…
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Scam?
I had £5.95 drawn from my account by rmation.uk and I have not requested any vehicle information. Can you help?
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M&S incentive
I have recently joined m&s just before the recent deadline to receive the 100 pound gift card, I was wondering how long I have to stay with bank for. I have seen NatWest switch offer. Do I have to stay with current bank (m&s) for certain length of time or can I leave straight away. Cannot see anything relating to this in…
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Best Free Reward Card - Recommendations
Hi, I currently have an Amex Platinum cashback card but I would like to get a mastercard as well for when I can't use Amex, because it will only be used for about £250 per month I would like it to be free as I doubt I will make much from it. I was using a Tandem card which was offering 0.5% cashback but as of March Tandem…