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Abbey MBNA question
May have done wrong here. We have applied for the above card but when filling out the online form we didn't mention any BT amount as we didn't know what credit limit we would get. This morning the forms have come through for signing with a £6k credit limit. There is a BT slip and it does say on that that MBNA will contact…
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Novice stoozer
As a result of this site I have tried my hand at this stoozing mullarkey.I have an Egg card for 15k,(stoozed in 5.35% a and l account) but was turned down by Virgin as I have another MBNA card. I applied for a Mint card but only got a limit of £3050, which is barely worth stoozing. (you can only bt half credit limit it…
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CITI platinum 2.9% life of balance
just dropped through the door this morning. not seen it mentioned here before so thought i'd bring it up. 0% on balance transfers made within first 6 months, any after that time are at 14%apr. No mention of any fee for balance transfers. Minimum repayment 3% or £5, whichever is greater. looks a reasonable alternative to…
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Credit Rating - best way to improve it?
Hubby and I have, over the last year or so, missed a fair few payments on nearly all our credit cards although I would add (in any defence I may possibly put forward!) is that these have been made up. However I know that missed payments are recorded on your credit history for a minimum of 36 months before they 'drop off'…
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Allders Cc Is It Wiped Off??
As allders are now in administration does that mean if you have a store card it is wiped off???????????? :rolleyes:
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how long for searches to show up?
Hullo, I've lurked for a week or two but have a couple of questions now. I would ideally like to apply for the 18mth Capital One Card (zest magazine in WH Smiths in Perth), an EGG card and the long term low interest Texaco card (to pay off present credit card and loan quicker) On the forum some people advise applying for a…
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Closing Credit Card Accounts
hi,,i got told that credit card acc cannot be closed until it is brought back into credit,,is this right please?
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transfer of credit card payment
I learned today about high APR from your site. I have a credit card with Barclays and owe £1400. APR 29.5% aaarg. I am on income support and want to reduce the amount of interest I pay. Dont know how to do this as I am on low income and find the forms baffling. can anyone help.
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Card Protection
Lloyds/TSB offer an overseas banking facility for those expats who reside outside the UK. This perfectly legitimate service is a way of ensuring that those of us who reside overseas can keep a Sterling account which is UK based with the facility of a Debit Card etc. Lloyds have been charging £50 a year for maintaining this…
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Single Use credit cards
Does anyone know where one can get the "single use" credit card. This is generally where one has an existing CC and the issuer allows the user to generate additional CC numbers for one of transactions with a specified credit limit, in order to limit CC fraud.
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Worst Credit card deal ever??
I got some junk mail this morning offering me a new credit card with what must be the worst deal ever. Vanquis credit card - 49.9% typical apr - from 32.9% to 59.9% variable on purchases!!!!! - all this for an annual fee of just £19 Apparently this is a card to help you build your credit rating - surely you are more likely…
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Mint Cheques, all a bit confusing..
Mint's website claims (link Mint card summary ), and I quote: "Cheques 0% for 7 months from account opening". And it makes no mention of a fee for actually using a cheque. I phoned Mint to check this and the sales person seemed to agree with this assertion.. Yet now I have the credit agreement, the T&Cs state there is not…
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Which card is better than a loan?
As in provides top credit limit, a credit to your bank account without charge and longest free period. Do you need to beg or at least smart in how you ask to get all these things? Don't want much do i?
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Capital One 9 month 0% offer
I got a leaflet yesterday for a Capital One 9 month 0% deal. This does not detail any charges for BT. If they did charge would they have to specify it on the application form? I was put off the Capital One 18 month deal because that specified a 2% (£50 max) charge. Do they have different charges for different deals?
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When will the 0% offers end ?
I was told by a NatWest operative, that the 0% balance transfers will soon come to an end. The card companies will put a stop to it. Has anyone else heard the same ?
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Credit Card Limits for Stoozing - Bench Marks.
With many of the 0% BT offers I just thought it would be good to get an idea of which cards give the best Credit Limits .... it's no good going for a card with a £1K limit!!;) So I thought that the best way to let people know which are the worthwhile cards to go for, showing the Credit Card Limit as a %'age of gross salary…
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Virgin CC application
My husband applied for a Virgin 0% card online approx 8 days ago and at the end it said if he was successful he would get paperwork in the post. Nothing has arrived yet and I just wonder does anyone know does it normally take this long or should we just accept he has been unsuccessful. I don't want to risk another credit…
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Halifax CC Application Question
Dear All I am nearing the end of 2 of my 0% deals and looking to roll the money to new credit cards. I am thinking of Halifax as I have been a customer of them for nearly 10 years (probably the charity card as there appear to be no incentives for personal gain at the moment :rolleyes:?). I was halfway through filling the…
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Credit history not the best .........
I am writing in the hope of some good advice - long story, brace yerselves! Applied for credit last year - declined - got credit report: problem = having been quite well off for a few years (prior to divorce, career change and house move), had been: a) buying things cash, hence no real credit history b) recent house moves…
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Credit card revenge
Hi I have just read martin's article on using credit cards to make cash (did he call it stoozing?). I have no overdrafts or loans, so will one of his recommened credit cards give me a super balance transfer? Basically can i ask egg for eg to transfer the credit limit into a healthy HSBC account. Also HSBC have just offered…
