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Empty credit cards... what to do?
I've currently got a pair of nil balance Barclaycards. Also, got a Egg with 0% til March, and a Cahoot that I'm paying interest on. Now I'd like to apply for a 0% card to move Cahoot balance to. My question is, In light of a new application should I surrender the Barclaycards to free up the possible spend? or apply anayway?
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Sainsburys Credit Card
I have just received my Sainsburys Credit Card which i was going to use to balance transfer a £2,500.00 overdraft. However i didn't realise that the 12 month 0% interest rate was for purchases only, and it is 5.9% for 6 months for balance transfers. If i was to make a payment using my Sainsburys credit card to the account…
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Virgin anyone else received this!
I have just received an email from Virgin asking if I'd like to win £3000 off my credit card bill, just sign up for Virgin net access, the first question is my card number, card limit, and the last 3 digits on the back of the card, this has to be a con surely!
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Why do Abbey want more info?
My partner applied for an Abbey card, got a 5k limit and when they sent us the form to sign we sent it back with the little slip filled in asking for a balance transfer of the whole £5k to Egg. They sent us a letter yesterday saying they 'needed more information' before they could do the BT. We are hoping to stooze this…
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Which cards generally give higher credit limits?
Preferably a 0% one. I need about £12000 :o :o
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sonycard (Mastercard by MBNA)
Hi all, Just wondering if anyone makes use of the following card and if you receive the pulsebeats catalogue for getting sony products, if it contains anything half decent in it !? http://www.sonycard.co.uk/ At a brief glance,...the card itself is by MBNA, has 0% for 6 months (bal trans with max £35 fee or 2%) and you…
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So WHAT do I do?
Got 14K Balance with Halifaxone 0% expires Dec04. Applied for a Capitalone 18 month card rang them up to find out what was going on as I applied early Nov. They said they sent a form to be signed but didn’t get it so am waiting for another – asked what my Balance would be but they couldn’t confirm as they required that…
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Good Looking Credit Cards
I am looking for a credit card that is aesthetically very pleasing. I currently have a balance of £0, so introductory offers are not important to me. Cashback and a reasonable rate are. Which cards look good? Are there any transparent cards? I've currently got an RSPCA Mastercard (which has a dog on it) and have in the…
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Virgin Application
I'm in the process of applying for a Virgin card It says under Borrowings, list Card 1 Card 2 Card 3 Other Borrowings etc. Do I have to list them all? If so in which order? Is it in date order as follows? Egg £10K exp 1st Jan First Direct £1.8K 21st Jan Halifax £900 24th Mar Lloyds Platinum £15K 7th May I was hoping that…
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Stoozing & Mortgage Applications
Seeking advice regarding any experiences out there of fellow stoozers applying for a mortgage. I currently have about £15k stoozed but very shortly will be looking to apply for a mortgage. No problem over my salary levels, just wondering what effects of this stoozed amount would be? Should I : - apply for mortgate without…
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Section 75 Consumer Protect
LAW CHANGE! SPENDING OVERSEAS/ON FOREIGN WEBSITES NOT PROTECTED! Spend on a credit rather than debit card and you legally get Section 75 consumer protection, meaning buy anything over £100 and providing some of it is paid on the card, the card company is equally liable with the retailer if things go wrong, valuable extra…
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Help needed to identify a credit card
I've just applied for a new mobile on orange and been refused which was a big surprise as i've applied for 2 credit cards in the last 6mths without problems. I applied for my equifax file online and i can't see any probs, the only late payments are 5- 1 mth late payments to empire in 1999. Everything else is up to date but…
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HSBC Transfer Your Balence 3.2% Still on?
Hey all, basically stll waiting on my virgin card to come thru, to transfer my teco balance and halifax balance off. (still bloody waiting after 3 weeks) anyway, was wondering if the hsbc transfer your balance for 3.2% 6 months still on or not, i can only find the transfer your balnce sheet but it does not say wheather its…
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Stoozer Ready to Rock
Hi all Right I am a new stoozer and I’m all set up to go. Mint card applied for, £4300 limit given, Egg anniversary is Dec, 15k limit set, A&L Savings account opened, Yorkshire BS Cash ISA opened, Sainsbury Card applied for, all purchases will now be on that and all cash I would have spent is gonna go into the savings…
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Can someone explain interest rates please?
I am so sorry, I know I should know this but I really can't figure it out. I have 2 credit cards that I am tarting, but due to circumstances I have let them lapse ( I know, slap me round the back of the head with my money diet). I have sent for new cards to 0% them, but the bills have have both arrived this morning with…
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MBNA Interest Charge
Okay you wonderful people of MSE Forum you may be able to help me here. Following the wonderful guide on making free money, I opened an MBNA account with 6 months interest free. I also opened an ING account and did a SBT of £5k straight into it. This was on the 22nd April 2004. I noticed on my MBNA statements it said under…
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Balance transfers and borrowing on card
I want to borrow a large amount on my Tesco credit card - about £2500. Then I want to transfer the balance onto another card, therefore benefitting from Tesco clubcard vouchers as well as a 0% interest rate on getting a new card. I'm planning to pay off the balance at £100 a month. Is this a stupid way to borrow the money,…
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How many cards?
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Help with Credit Card Shuffling Needed
After posting on a previous thread about my debts on my credit cards I was advised to do a Credit Card shuffle to help me. I have hit a rather large stumbling block at the first hurdle though. The situation was as follows. Barclaycard Balance £2300 Limit £2300 Virgin Balance £1900 Limit £4200 Natwest Balance £2974 Limit…
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is it worth it?
In my haste to make use of me egg anniversary month I paid off my Halifax credit card. (In most circumstances that would be great!) :o I now have no debts outstanding on any credit cards other than my maxed out and stoozed Egg and MBNA cards. (both at 0%) I now want to make use of the M&S 0% 6 months offer BUT have no cc…
