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"Written quotations are available on request" Que?
Whenever you apply for a credit product of some kind, be it card/loan...whatever...what exactly does this mean, and what benefit would it provide for you ? Always bugged me this, sounds like standard issue disclaimer garble as you see it everywhere... Are we talking about the credit lender would just send you a bunch of…
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Stoozing
I'll have my 2 credit cards at zero on the 10th nov and was thinking about stoozing, I have an egg card and I understand about paying into bank accounts. My question is what do you do with the credit card when the 0% period ends? do you simply close the account? and when a credit card account is closed does this affect…
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How does stoozing work??
Reading with interest your posts about "stoozing" but not certain I totally understand how it all works... My understanding is: I transfer my Egg credit limit into a high interest account When the 0% is over I repay the Egg using the original sum, and keep the interest for myself. BUT what happens with regard to regular…
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0% loan for stoozing
I posted about a 0% loan on the loans and debts board, but as it may be of use to stoozers I thought I'd mention it here. Click this.
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Credit card for 18yr old?
Hello, Soon i will be turning 18. I'm quite a controlled spended so feel that i wont abuse a credit card (3 weeks into my wages i still got money left). I want a credit card for 2 reasons: 1. My credit rating, i know people who have trouble getting a loan because they dont have any credit rating. 2. Freebies, i dont want a…
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Misselling of payment protection insurance
My gf called to activate her first ever credit card, and the guy asked her if she had any outstanding balance to transfer. So she said no, as this was her first credit card. So he sais, oh in that case you get free payment protection. Luckily I was on hand to tell her to ask if there was a charge when she did have a…
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Super BT's with CC Cheques
I have been browsing around a bit to see what the score was on 'super' balance transfers (Martin's MM Tips) where you use a 0% introductory rate card to write a transfer cheque to your own current account and then onwards to a high interest earner. I see that most CC Companies have cottoned on to the fact and are applying…
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Asda credit card
Popped into Asda today and noticed they have launced their own store card and credit card. Their board didn't give any details or benefits so out of curiosity I asked. Balance transfers of 0% for 6 months but when I asked for their go to rate they couldn't tell me. They said it was down to personal circumstances and would…
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C1 card: when does 0% start?
I have been approved for the Captical One 18month 0% card and got the form to sign with wording "your card will be with you in 7 to 10 days". However my current 0% won't finish until mid-December. I am wondering when the 0% starts: after they approved my application or after they receive my signed agreement? Can I actually…
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TAX Implications when ur Stoozing?
Hi all, When we Stooze we obviously have a fair bit of money in savings accounts etc... And evey year you get a tax certificate from the bank stating how much intertest u've earnt and how much tax has been deducted... Now, I've been told that a copy of this also goes to the Inland Revenue and from this they can quite…
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Sainsbury 0% on Purchases for 12 mons - no catch?
What do you think of this? https://www.sainsburysbank.co.uk/credit_cards/micro/cca_std_info_micro.shtml?source=NETMONSUCCRD00020010&affiliateid=0
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Is this wise
After recently having been made redundant :( i no longer have the spending power i used to have. Problem £3000+ on Barclays Credit Card Possible Solution: Virgin (MBNA) have offered to transfer over this sum from my BCard account direct to my Bank Account as available cash + upto another £3000 interest free for 9 months.…
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CC start date when applying online?
hey all, basically applid for a virgin 9 months CC + free mp3 player last week, got a letter today saying got accepted. posted the letter off today. basically when does my credit card account start? the day i got accepted. day they recieve the letter back. day they process it. cheers phil btw, the free mp3 player is still…
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Zero Percent Credit Cards
Did you all know that at least three (3) of those Credit Card Companies offering Zero percent on Balance transfers have exactly the same mailing address - they are Virgin,Abbey National, & Alliance & Leicester - the address is PO Box 2006 Chestre CH4 9WT.
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Nov 1st 0% 9mth HSBC Gold Card
I opened a bank account for my daughter this morning and casually asked if they had any 0% credit cards and was given a leaflet for their latest one coming out on Monday November 1st. Gold card limited offer * 0% interest on transferred balances for the first 9 months. * 0% on purchases until 1 September 2005 The small…
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IKEA Storecard
Not wanting to pay the 70p charge for using a credit card at Ikea i went against my better judgement and got one of theirs. After 5 weeks and a few spends, no bill had arrived, rang the helpline to discover that I had just 4 days to settle the outstanding amount, 'What happened to the bill?' 'Weve had a bit of trouble with…
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WOW!! - Amazon have launched their own credit card
Morning all, Check out https://www.amazon.co.uk - They are now offering their own Credit Card :) Wicked!
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good balance transfer
can anyone recommend who i should transfer too for the longest amount of 0% for a balance transfer its time i got into all this instead of paying endless interest all the time!
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Advice appreciated
Myself and my wife have the following credit cards MBNA Bradford & Bingley £2700 A&L also MBNA £2500 Egg Card £4600 Halifax Visa £2000 Debenhams store card (personally hate this one) £600 None of the cards are on 0% and we ahve been advised dont have a particular good credit rating. Thanks Paul
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Adding wife on application for a card
Can you please advise if anybody has done this to increase the chances of getting a higher credit limit? thanks Paul
