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Refused on Sainsbury's STD Card?
Just wondering if there is any way to appeal against my refusal on my application for the Sainsbury's CC (12 months 0% on purchases). I was going to use this for a "slow stooze", but just got refused. I have/had: £8800 Natwest card (always paid in full, closure confirmed by letter last week) £5000 Morgan Stanley Plat.…
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Stoozing is it worth it?
Used to stooze a lot, had an off set mortgage, now paid off, so I stopped:j Just been taking a look at the 0% for 9 months with no fee and my ING interest calculations. Realistically the longest you would get the 0% is 8 months, ensuring no errors at either end. Interest rate is cleared balance * 3.532% (ING basic rate tax…
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Egg Card - Beware Sharp Practice
Last November 2005 I took up the 'account anniversary offer' of 5 months interest free credit and transfered £14,250 on to my Egg Card. Each month I paid off the minimum amount and on my Statement dated 27 March the outstanding balance was £13,146.96. As I knew the five months was due to finish I paid of the full amount…
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This is probably a very daft question....
.....can you pay a credit card with another credit card? I was wondering if i could do this a number of times to keep the cash i have spent on them in my online saver a bit longer.
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Virgin CC
I have just recieved my 1st potential stoozing card. I have been accepted for a Virgin card with 9 months 0%. I have read on another site this is suitable for super balance transfers. I do not owe any money on any other cards. I also don't have the Egg card. Is it possible to transfer a certain amount from the Virgin card…
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Stoozing - Next step?
Right then. I now have a balance of approx £3k on my Mint CC, and the cash stashed in my 5.15% A&L online saver. Now my thinking is to get another 0% BT card (not necessarily a SBT one this time), and transfer the £3k debt from Mint to here. I think i'm right so far. This will mean i can write another Mint cheque for…
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A&L gave me £10,000 cash !!
I phoned Aliance & Leicester to cancel an old VISA card I hadn't used for several years since they stopped paying cashback and they immediately offered me a reduced rate to 7%. I said no thanks and they then offered me a 0% rate. Again, I said no thanks cos I had two other 0% purchase cards on the go. Then they offered me…
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Best 0% card is Harley-Davidson ?
The Harley-Davidson Platinum Credit Card seems to be a good card with 0% for BTs for 9 months with zero fee. It is by Bank of Scotland at https://www.picture-cards.co.uk The Ts and Cs state "5.2 We may charge a handling fee of 2% (at least £2) for balance transfers and cheques offered at special promotional rates other…
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IF won't transfer to Egg money Help!
I've just been on Intelligent Finance site to transfer a balance to Egg money, so that I can pay off a loan but IF says the egg card number is not a valid one they can transfer to. On way to work now and no time to phone IF, any one any ideas Thanks
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Closed my Virgin - have I made a mistake
Hi in an earlier post I asked if I should close my Virgin account and was basically steered to close it down and to see if they offered me anything, but they did not and I have closed it. I was interested in closing accounts down because I noticed I was getting low limits due to the amount of credit I had available to me…
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BT to Egg Money acct
I have recently opened an Egg Money account, and also got a BOS NSPCC card with 9 months interest free BT. Based on the article on this site I then tried to make a Balance Transfer online from the Egg Money account but this was not allowed stating that BOS could not do a BT from this financial institution. Any idea how I…
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Cash into your bank from a Non SBT card.
ok so heres the deal. say you want some cash (for spending/saving). Amex Blue send you an offer of a balance transfer @ 2.9% with no BT fee. You accept and take up to 95% of your credit limit and put it onto your mule card (say MBNA). Once you have the money on your card you then call MBNA and explain you have mucked up…
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I LUUUUURVE my Tesco credit card!! I simply HAD to post this!!
This is one that I'm quite proud of - I simply HAD to post it somewhere!! Always one to find a way to save or make a little bit extra, I have even found a way to get a bit of money back on my breast augmentation surgery. I have a Tesco credit card (always pay the balance in full, just use it to collect points) and I have…
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Overdraft Fees with Barclays
Hi All, Sorry, new to the board and dont know if this has been covered before? I read recently that you can reclaim bank charges on late fees with credit cards, is this still viable with overdraft fees? Barclays are charging me £30 per time and I have been charged twice this month. If I hadnt of been charged these fines…
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Paypal credit card 0% for 6 months and no BT fee
http://www.paypalcreditcard.co.uk/card_summary.htm Look slike they havent' caught on to us credit tarts yet and offer 0% for 6 months but not the 2% balance transfer fee so many are charging nowadays. Myabe I'm worng and it's in the small small print I haven't found
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The concept of 'runoff'
This is scarcely a unique idea, but one way to view your 'stoozpot' is the value it has assuming that all amounts are repaid when the 0% (or other low rate) reverts and it is no longer profitable. Just taking the size of your pot as the sum of the outstanding balances is uninformative whereas the 'runoff' value puts the…
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LOB Transfer Amex 6.9%
Apologies if this question is anywhere else. I have recently done a LOB tranfer on my AMEX card and what I wanted to know is how does this work! Do I just pay the minimum payment every month or do I have to do a minimum spend each month to keep the LOB transfer rate? I know it must be in the T&C somewhere but I was…
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Should I??
I have recently applied for a 0% for 9 months shopping card the limit is OK but I can see myself reaching the limit pretty quickly as I make my mortgage payments on this card as well as other things. So, should I 1) Apply for another 0% shopping card and put the spend on that card once I have maxed out the first card OR 2)…
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Avoiding cash advance fee on a credit card!
Hi everyone, I'd be really grateful if anyone could help me with this. I have recently signed up to a credit card with a "0% for 9 months on purchases" credit card. I did this because I need to send money to someone abroad by Western Union and I stupidly thought this would be covered. However, according to Western Union it…
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First Timer
Ok, if you have been reading my previous posts you will note I am a stoozing virgin. I have applied for my Egg Money account and have just applied, and been accepted for the Macmillan Cancer Relief card, no BT fee. My question is, as I already have 1 credit card, for 'normal' use. On top of this I will now have my Egg and…