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Mint CC close or keep ?
Is the Mint split offer now no use, as they will charge a handling fee with no max limit ? My initial 6mth offer ends this week, and was going to keep the card at £0 with the intention to transfer my £6,500 on January 2nd to get the 2nd part of the offer 0% until June 30. Can I still use the cheques they sent me so long as…
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Savings accounts for stoozers
Once again, I am keeping a close eye on savings account interest rates post the BoE base rate increase yesterday. Both Icesave and ICICIBank have already increased their interest rates to 5.45% AER. More details here. Clariman
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transferring money?
Hi, i notice when stoozing you move money from cc --> debit --> savings how is this done? with all my current cards i have never had the option via internet banking to make a payment to a current account (debit)! mark
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Halifax One entrap exisiting users to pay interest
Having utilised free balance transfers and interest free purchase options on various credit cards, we have effectively loaned throusands of pounds over the past few years and not paid a penny interest. We were naturally pleased to hear from Halifax One credit Card that, as our present card was due to expire, a shiny brand…
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M&S More card - purchase qualify?
Most of my spending is done via Ebay and thus payments are made via PayPal, will this qualify as a purchase on the card or a cash advance? Does anyone know where I can find a guide to what qualifies as a purchase. Thanks for your help :)
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Cancel or close for new offers?
Any experiences to report on receiving loyalty offers to retain you when phoning to cancel the following cards: HSBC and First Direct? or Capital One? I should like to cancel these soon after their respective promotions have ended (in the case of FD it was some time ago) Thanks in advance M
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Any point in applying for a credit card if I have no income?
I have been stoozing for almost a year now and am finding it increasingly difficult, like everyone else, to find new cards which will give limits to cover my expiring 0% deals. I find that I am having to apply for 2 or 3 cards to cover just one previous balance. Up until now I have only been applying in my husband's name…
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How long should you wait to apply for another MBNA card?
Hi there fellow MSE'rs, I've read somewhere on this forum and stoozing.com that a few people successfully managed to apply for two MBNA run cards at the same time. I have applied for the virgin card June this year 9 mos 0% and my wife September 12 mos. 0%. How long should I wait to apply for another MBNA card? Any…
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credit card stozzing
hi ya i am new to all this. im good with savings, but i want ask what would be the best credit card to start with then start stozzing?any replies would be welcome ta.
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Checking it's right
Just got my Egg Money card today, with a credit limit of £2900. Can you check whether I have understood the method. 1. Request BT from 0% card (max 95% of credit limit on that card) to Egg Money card. (Phone) 2. Once the Egg Money card shows positive balance, transfer to Egg Savings. (Online) 3. Transfer from Egg Savings…
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advise please new 0% credit card v/s using savings
hello I've just read martin's article on stoozing. I did not understand completely. If i have to make a new purchase does the system still work? Will it be better than using your own savings? thanks in advance
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How to get more?
I have been stoozing for about 3 years now, and I am about to come to the end of a natwest 0 % balance transfer period so I am currently applying for an M&S card. I think my natwest CC balance is -£4000. If M&S are prepared to lend me more, is there any way of taking the extra cash off them in order to stooze it (for…
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EGG Doesn't Work
In the past I have done SBT's from Abbey and Virgin cards to my current account and paid a monthly amount on the balance left on the card. The balance or available credit if you like, left on the card is usually about £200 having transferred say £4800 in cash to my bank account. On this I pay £5 per month. Perfect. However…
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Increased Credit Limit
Slow stoozing on the Sainsburys card, which I've now had for six months. I reached the credit limit some time ago (£4200) and wanted to apply for an increase as it was six months and I thought it might be favourably received. However, they have beaten me to it, and given me another £850. Which while it's nice, is lower…
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how many credit cards should I apply??
my MBNA 0% purchase is coming to an end and I have applied for a BT card, I've never done a BT before and was wondering is one enough or should I apply for another as a backup plan in case this gets declined?? But I dont want this to affect my credit file. Thanks in advanced
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New stoozer...looking for a quick loan
I read the article in one of the earlier Tip emails. My situation is this. I am buying a house and am putting down a deposit of about £18k. This was going to be made up from personal savings and a loan. The original plan was that my dad was going to release some equity in a property (at about 6%). I then read the article…
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Just checking
Hi all, Could someone just clarify that I have got this right, please? I have the Sainsbury's 10 month card, which is due to run out in January. Now is the time to start looking at transferring the balance? Is the Post Office one still the best 0% balance transfer card out there (was when I last checked a few months ago).…
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Barclaycard raising standard rates in December
Just in with my new statement: My purchase interest is going up again - from 1.385% per month (17.9% pa) to 1.527% (19.9% pa) - affecting transactions from 1st December. Even though I am on the '£1 for life' deal on spending (and I suppose they have to claw it back somehows) this will bump that minimum interest…
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They must know what we're up to!?
Surely it wouldn't be too difficult for credit card companies to run software capable of detecting stoozing patterns. Do they already do it? Is that why we get denied cards occasionally? Perhaps the companies don't mind low level stoozing....may be the cost to them is negligible? Bottom line, I'm surprised we still get…
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Moving a Balance Transfer where's there's no debt
Hello everyone. I've been stoozing my credit card which is currently £2k, and was gonna pay it off at the end of this month. But I saw the capital one advert and thought I would stooze until Aug 07. But, could I do a balance transfer from my regular credit card where there is no debt (or little debt) on the card? I.e. say…