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late payment trick?
My wife recently got a halifax o% card, and she will be late paying off the first payment due to circumstances beyond her control. The charge , I belive, is £25. Is it true they dont charge for the first late payment, or if they do does anyone have any slick ideas to get out of the payment? Thanks to all!
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Stoozing mistake - MBNA heavy charges.
Just manage to accidentally fail to pay my MBNA card on time, set the payment up through internet banking but mistakenly set payment for May instead of April. Contacted MBNA as by the time I noticed and corrected it the payment would be a day late, MBNA's response was the following 1. Withdraw 0% retrospectively from 1st…
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How can I increase my credit limit?
I have been 'stoozing' for only a few months but have only managed to get £1500 credit limit on both a Citi card and an Egg card resulting in a total of £3000 in super balance transfers. My credit limit on my Goldfish Card which I have been using for purchases for years is £12000 (always paid in full every month, never…
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Egg and repayment protection
Hi folks, This is my first post after lurking for a little while! Im sorting out some finances this evening and am shocked to realise Im paying repayment protection on my egg card. When I took my card out in 2000 I requested no repayment protection, egg are informing me that in August of 2002 I placed a call to them OR one…
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Capital One 18 Months 0% - Fee Free BT?
Can someone enlighten me regarding BT's on Capital One 0% 18 months offer? A recent post suggested that 9 months and below offers were BT fee free, and that offers in excess of this (ie 12, 15, & 18 month offers) we subject to a fee of 2%, capped at £50. I'm in possession of 3 lots of Capital One paraphernalia. On checking…
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Should I pay off my stoozing CCs
I have two CCs with a total of 14.5k on them with the money sat in premium bonds. I will probably be looking to move house at the end of the year and hence need a new mortgage. Do you think I should I pay off and shut down these cards so that I don't effect any mortgage application and if so, when. The only other debt I…
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VIRGIN Credit Card - Decline past MBNA Customers
I applied for a card fro my father a week ago, he has an A1 credit rating. During the application Virgin do NOT state that it is their policy that VIRGIN Automaticaly DECLINE previous MBNA Cardholders. My father had a MBNA Card with a £7200 limit on it anf a balance of £0.00 his card had been unused for around two years…
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Cap One ... I don't suppose ...
Hi there, I don't suppose any kind soul in here has a flyer for the 18months 0% BT offer they could send me. * I have shook magazines in Tesco (9 months offer best find) * I have scoured the Uk website * I have rang them to be told the offer is invitation only/magazine flyer My Barclaycard's 0% runs out in August and I was…
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Need another stooze card !
Hi Got a couple of stooze cards at the mo - Egg on 6 months Virgin on 9 months Egg has got another 6 weeks to run - Any suggestions whats good deals are available at the moment - Im just trying to keep the stooze pot going - I dont need a card that I can do a SBT Thanks
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Thomas Cook reward points - advice needed
I have a TC credit card. I use it for everything and pay it off by DD each month. I use the points earned to pay for my annual travel insurance. I have been doing this for the past 6 years or so. [Just so we don't get side-tracked, this is the exception to prove the rule - I have several pre-existing medical conditions.…
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chip & Pin Querie
Have had a new chip & Pin card for about a month now and recently used it at a tesco till. the visa machine did not recognise the chip and the checkout girl asked me to sign the recipt. i asked her should it not be a pin number and she said the machine did not recognise the chip. does this not defeat the purpose of this…
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Capital One classic Visa what to do???
I am completely new to credit card and thinking I might have one, too. So I signed up for Capital One online a week ago. I just sent out my confirmation and signiture back to Capital One and noticed this sweet forum. Sweet lord, what I discovered here! It's probably because I have such bad credit history, I've been offered…
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Who is more likely to say yes!
I am thinking of applying for a credit card, which are more likely to say yes?
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£30 Freebie For Egg Customers
egg are offering £30 reward with car insurance whenpaid for with your egg card,and you get 12 interest free on the amount as well. sounds like a deal to me.
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visa debit card???
hi can anyone tell me what the differnce is between a switch card and a visa debit card please
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Nationwide! what gives?
I dunno what nationwide are playing at, i applied 2 weeks ago for a classic card as i'm going to the states on the 5th of MAY. It is supposed to be an instant decision, well it wasn't, i got the we will contact you in 5 working days, well 2 weeks on and nothing! I must of tryed 5 times yesterday on the phone and twice far…
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Egg card £10 credit???
I am an existing egg card holder and when the notice was put on this site for a free £10 if you added other bank account details to your account - I did this (before the expiry date) and my account has not been credited...any ideas if I have done anything wrong??? :confused: Thanks
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Balance Transfer to Zero Debt Card
For years now I have taken out serial 0% credit cards. I initially used the balance transfer facility to pay off my Flexible Mortgage (£40000+). Once I'd done that, I simply used 0% cards to transfer the money to a card that was already paid off in full. Once the money arrives in the account I simply ring up the card…
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Egg SBTs and Capitol One BTs and a bit of other stuff
Hi Forgive me if I'm asking a question that's been covered before (and I'm pretty certain it has been) but I want to be sure I know what I'm doing before I start taking steps further along the stoozing route than the li'l bitty steps I've taken so far. Background: We have a One account with an interest rate of 5.9%. Until…
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help needed !?!
Hi Folks, Im a newbie to the great credit card shuffle and I am seeking some advice to resolve my finances, so I am hoping that some of you can advise me. My current situation is that I have credit card as well as a loan. What I am seeking to do is to pay off both accounts without paying any / much interest on either.…
