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BOE Interest rate impact on stoozing
The Bank of England will be putting interest rates up, little doubt in that. Which should I do. Max out stoozing now, as 0% is lilely to go, it's only around because the BOE rate is so low. or Wait until the rate goes up by 1/2%, then go for it. or Wait until it goes up by 1%. Or another approach? Discuss. I'm off for a…
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Credit Card Transferes
Martin. On your advice for transfering credit to another card. One of your recommendations is EGG. Your advice states that the 0% rate ends end of Oct 05. On checking the EGG site, it actually states that the 0% offer ends 1st Sept 05. Thought I would mention it Rodo.
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How to sign cards
I know this may sound silly, but I have yet to sign a card in a legible way. The space available is not sufficient, to material of the stripe to sign is too smooth, and with ball pens, the end results isn't as neat and clear as I would like it to be. What do people usually use to sign their cards? Permanent soft-tip…
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Charges on balance transfers _may_ be levied?
Hi all, I am shopping around for a new card, and I would like to know if I am going to have balance transfer handling fees charged on the card. I read sometimes phrases like: "A service fee of 2% may be charged for balance transfers" (Citi Platinum), or "A handling fee may be charged for balance transfers" (Virgin). How…
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Pay with credit card ??
I'm about to book a holiday and notice they charge 1.5% if you pay but credit card, no charge by debit card. Can't wait to get a credit card giving cash back I can pay by debit card but I have heard there are advantages to paying with credit card ie if the travel company goes bust (they are abta) also travel accident…
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Handy things to do with 0% credit card cheques
http://news.ft.com/cms/s/51beb58a-97a1-11d9-912c-00000e2511c8.htmluw Take the money and put them in premium bonds for the duration of the offer and hey presto! £400. Of course, when I put 50% of my earnings set for tax and NI into them, I didn't get a penny. Still, very good discipline.
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credit cards
need advice have four credit cards with balances on each one pay minimum each month need to get cheaper option and get rid of credit cards
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I need some advice please
Hi I need some advice regarding credit cards and reducing the monthly outgoings, have read most of Martin's write ups on here but still not sure the best way forward, so here goes. Current cards are as follows Yorkshire bank - £6750 this used to be Matalan Paying £200 per month off this of which only £100 is coming off…
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Which method of payment when I pay abroad...
Hi all, I have read Martins article on spending whilst abroad but it does't mention any of the cards that I have (and I don't have the time to apply for new ones). I am going to France skiing in the next couple of weeks and know I am going to spend a large amount of euros on buying liftpasses (12 peoples worth = >£2000)…
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MBNA 2% (£50 max) balance transfer fee warning.
I have Conran card. Just received a letter from MBNA regarding changes to T&C from 1 May: We are changing the … sentence … of terms and conditions from ‘we may charge a handling fee for balance transfers’ to ‘we will charge a handling fee for balance transfers’. The information on their website for Conran CC is still ‘2%…
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RBOS and BARCLAYCARD
I have a student RBS Visa and a Barclaycard Gold Visa Any ideas on how I can super balance transfer from these card to my current account as I cannot get accepted by MBNA or EGG at the mo Thanks for help.
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bal trans to husband's credit card????
I'm new to this money saving malarky. Can I balance transfer from my credit dard to pay off his debt? He is not in a position to get a new credit card himself. Any help and advice would be very much appreciated. Love the site........it could bring down capitalism if word got out............. ;) Jan H
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Best value card for use in USA?
Hello Im off to florida in early may for a two week holiday. Could anyone recommend a credit card that wont charge big exchange rates or other hidden charges please. Thanks Paul
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How many is too many?
I have 9 personal credit cards (yes count 'em 9!) and 1 business card. Perhaps a really stupid question but is this too may cards, will this have a big affect on my credit rating? How many cards would it take to improve my credit rating by a large amount? In total I have a credit limit of £41.55k on and a balance of…
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Egg CC
Hi I have just recieved my new egg CC so am ready for a bit of stoozing. According to the agreement I have '0% introductory offer on new purchases and balances transferred from credit cards, store cards and even loans and overdrafts'. Using egg Online, I have the option to transfer a balance from these three options. Do I…
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good idea or not?
This has probably been asked before, but I'm rubbish at searching so please forgive me. At the moment I am stuck with a pretty basic bank account with only a visa electron card, I've not much hope of upgrading in the near future, but because visa electron is so pants I'm missing out on alot of bargains and savings (ie…
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credit tarting.....best cards ??
I have currently got a virgin card with 0% till september, i plan to transfer this balance to another card in about august time, but befor then ime going to apply for a few more, but which are the best cards ?? where can i find a list,(some of martins links dont work) i.e longest 0% rates & also no or minimum transfer fees…
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Help needed please
I have just orderd a new car delivery 6-8 weeks and need to pay a balance of £7k. I have got savings to cover this but dont want to use them.I've got an Abbey CC (issued by MBNA) with a £9k limit but only the usual 56 days intrest free.Abbey state that they can transfer the funds to my personal current account for 2% to…
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CRAPital one limit increase?
Ive got a 200 limit on mine had is for 29 months, if i take a cash advance of 190 two days before my statement and pay it back thought online banking, will i still qualify for a credit limit increase?? I DONT CARE about any fees or interest occured.
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Credit report question
Hi there. I have recently recieved my equifax credit report. experian and call credit on way. I have a few questions. Do i take it that everything on the report stays for 6 years regarless of what it was etc. I.E I bought my wifes engagement ring on a 0% deal from the jewellers and paid it off by direct debit. the report…
