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lloyds current credit card
hi jus been offrered a current credit card from bank. i accepted cause it was free. was it a bad idea. shuld i destroy it? is it a rip off? or should i pay £5 and get a select account?
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HELP - Has my stoozing got a little out of hand??
My stoozing has hit a new all-time low!!! I've recently stoozed over £30,000 which is now happily sitting in my flexi mortgage account. However - when I called the lender up to ask them how I could pay, they told me that I couldn't make a payment through the internet or phone - instead, I would have to mail a cheque in :o…
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Credit Card Contractual Obligations
I recently read martin's book and was quite inspired to sort out my finances by tarting but hit a bit of a brick wall when egg only offered me a £500 limit. It's not great that you can't see what limit you will get until you have applied and I had no opportunity to tell them about potential part time jobs and student loans…
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Any suggestions.....!!!!! C/Card Crisis
HI everyone, After listening to Martin on the radio today we thought that a post on this site might be able to point us in the right direction to rid us of these dreaded debts......???? This is what we currently owe on the following credit cards.............. Capital One..limit is £1250, balance is £1170, min payment is…
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End of Halifax One 0% :(
Evenin' all, I am fast approaching the end of my Halifax One 0% period. I have a Citi card (0% for 6 months) on its way to transfer the Halifax balance to but ideally I'd like a further 0% from Halifax so that I can stooz the balance from it at 0% (I have a routing Egg card sorted out), while paying off the Citi balance…
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Oh no! Missed payment MBNA
I have been trying to educate my fiance about stoozing, and we have had £12,000 of interest-free credit-card cash in ISAs since March/April. Last month we had to transfer some balances, as you do, and as he had a £10k credit limit with MBNA he asked them if he could have a 0% deal. They gave him one until July. Great!…
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£15,000 at 0% for 5 months from Egg
Which is the maximum credit limit possible? Answer: £15,000. Attention all Stoozers/Super-tarts To obtain the maximum, use the automated request feature at their online bank. You may do so as soon as you know your log-in details. Do not telephone. By requesting online it evades the use of a human to make the decision. One…
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Looking for first Credit Card
Hi, I'm looking for a credit card. I've never really needed one before and guess I don't need one now but would like to try and start building up a good credit rating for the future. I'm not planning on spending a great deal on the card and will be paying it off in full every month. There's so many different cards…
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MBNA Credit Cards ?
Does anybody hold multiple mbna cards ? i have a virgin card and was wondering how many i could get away with ???
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Egg Credit Card
I cancelled my egg credit card about 18-24 months ago, so that I could both maintain my credit score and re-apply for a 'new customer' 0% deal in the future. When I re-applied recently I was amaised to discover that my account was still valid!!!!!!! Has anyone else had this problem? How do you actually close an egg…
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Just been rejected by MINT :(
Evening all, Got home earlier to find a letter informing: We regret to.... blah blah blah >:(
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dangers of having too big a balance at 0%
ive taken advantage of credit card companies 0% interest rates for years switching from one to another as soon as the offer period is due to end. its a lot cheaper than using over draught facilities offered by banks to help ease my companies cash flow. however i now have about £7000 outstanding on 2 cards (a total of…
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Balance Transfer from 1 card to another
Hi ppl I'm offer to Florida next month and the missus has a Nationwide Credit Card and a lot of people on here have said its the best for using abroad because there is no % charge when using it. I don't have one of these but have a 0% on BT's with my Halifax card. Is it possible to transfer from HER card to MINE when we…
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Cancel card or reduce credit limit?
Thanks Martin for this weeks money tips. I was most insterested in the article on whether to keep old credit cards and would like to ask the chat room if reducing the credit limit has the same effect as formally cancelling the card. I have a LLoyds TSB mastercard with a zero balance and a £15,000 credit limit that I have…
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Barclaycard 2.9% for life of balance!
I phoned barclaycard today and told them that I wanted to cancel my card as their rate was not competitive. :( The lady on the phone offered me another deal which is the best I have seen yet better than the mint and texaco offers. :D Basically if you transfer a balance to the card before the 9 November 2004 you are given…
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Capital One - Free Cordless Digital Home Phone
Hi Found a Capital One leaflet offering 9months interest free on balance transfers with a digital cordless home phone as a free gift. Quote code: 31a5sxby Hope its of use to someone.
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Credit Card Pre selection Letters
Anybody know how CC companies pre select potential customers Do they use credit reference agencies and if so is it registered as a search with the agency. If the above is correct then presumably they dont bother to credit check again, when the pre-select application is sent back signed!!
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credit card loan?
guys, im new to the forum so hi. :) Been looking through the whole site and im amazed at how much i can save money with just a bit of thought and hard work. My question is about credit cards, I have just passed my theory test and my dad says he will buy me a car when i pass my practical. I have chance to buy a friends car…
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What to do with old cards?
To ask a question or discuss the 'What to do with Old Cards?' Article just reply to this.
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LloydsTSB Advance card 0% 4 purchases
Just called to activate my Advance card and was told that as I applied on the net and the card is 'internet based' and managed via my current account log in it is 0% for purchases for a year too ;D As always check your own T&C's I have transferred the limit all but £50.00 from EGG (legally) ;) so won't be using so using it…
