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Juggling stooze cards and purchase cards
Just a quick question which I can't seem to get my head around. I have three stooze cards (Egg, Capital One, Halifax) and one purchases card (Sainsburys). I am planning an application to Virgin very soon to take over the balance from my Egg card and (0% ends on 1 September) and probably also my Capital One card as the 0%…
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Super Balance Transfers Question
Hi all, I need your advice on something. I have looked into the Virgin credit card to BT debts on 2 storecards and overdraft & debt to my mum. They will not charge a handling charge for the BT to the storecards as they can be done at the time I take the cards out, but will charge 2% handling charge on BT done after the…
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Morgan stanley or MINT or do you know better
Hi Been stoozing for a while, just finished Egg 6 month, got FD and Virgin. Also got M&S which was a bit of a waste adding to my collection, they only gave £4000. Got 12000 on Virgin and 25000 on FD. I need one soon to cover as much as possible of the FD and I am considering Morgan Stanley or Mint or any other…
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Funny debt advice
Hi, being a fan of the MSE site - I now try my best to make my money work for me and am always looking for ways to reduce my debts. Whilst reading the Metro newspaper on my way to work this morning, I read an article titled 'avoid the debt crunch'. It seemed like good advice until I reached a section called 'restructure…
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? Credit Card Refused
As an avid card tart, I have also managed my sons cards the same way for 3 years ( he would never remember to change regularly himself) His latest card is Capital One. Since he took it out 5 months ago, he has paid off a bank loan, and taken out a mortgage on his first home. He has today been refused a Natwest card, even…
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Conran Cashback
Folks. I'm confused. I've read the stuff on here about Conran cutting its cashback to 0.5%, but having spoken (twice) to Conran, I simply don't know where this is coming from This is the official line from Conran (just been emailed to me from the powers that be) "When the Conran Card started, the value of one profit share…
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Wanting to swap over for no % interest
Hi, my current credit card is a TESCO which i changed from HSBC because i got 6 months no interest, my 6 months is now comming to an end so i would like to transfer to another credit card with no apr. can anyone suggest a good one that has no interest for a period of time please
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Sainsbury's Credit Card - Reducing Points
Just got a letter in the post from Sainsbury's Bank stating the following: - In Sainsbury's stores you will recieve 1 point per £2 spent - Elsewhere, your reward will move to 1 point per £5 spent This change takes effect from 19th August 2005.
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Long Term Flexible BT - who is best
I am looking to raise about 20k on a flexible bsis - obviously a low bt rate cc would be ideal for this - anyone know whether the cards Martin suggests (BA AMex, Texaco) are likely to offer this sort of credit limit and whether there are any other suitable cards and their advantages / disadvantages (ie credit likit, bt…
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Cancel Capital One
I'm quite new to stoozing and made loads of applications for credit cards in the last few months. Last week I paid off my Capital One with a BT to another card and now want to do a BT back onto the Capital One card. They (Cap 1) were quite willing to offer me a low BT interest rate a few weeks ago while I had a significant…
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Needing help with getting out of debt!!!
Hiya, Currently i have about £1500 to pay off on an HFC loan which is about £427ish a month until November 2005 plus i have just under £4000 on my RBS card which has just run out of 0% and £1300 on my Capital One card which i have just transferred to a Natwest Card with 0%. The Natwest only gave me a £2250 limit and will…
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Which card is from which card "family"
Hi there, Does anyone know which cards belong to which card "family". I went to change my RBS card the other day as the 0% is running out only to be told the the Natwest card i had applied for was from the same family and i could not transfer funds from the RBS card onto it...DRAT !!!!! It was alright me transferring the…
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Card Protection
Having took advice from this site I'm collecting an array of cards. I was wondering what protection is out there at the moment to 'protect them' in the event that they are stolen. I remember the Alliance & leicester trying to sell me a package & laying it on that if they were taken I'd be liable for funds withdrawn/used.…
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I should have very good credit history but don't!
Can you help me?? I should have very good credit history but don't! I am trying to get a credit card but have recently been refused! I can only believe that this is due to the fact that I haven't had a credit card before. Background: Am 26 years old, have a mortgage, bank loan for my car etc. and have never been late on…
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Platinum Card By Accident
I applied for a card and the say i only have credit of £200 but they sent me a platinum card. It looks cool but can i got mental as on their website it says min of £1000 credit.
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How to Appeal Refusal
I have accounts with halifax, however I have been rejected for their credit card, I am a student but am employed with income of over £1k a month. Would bringing my payslips prove my income and change their decision, also would it be more advisable to apply in person rather than online.
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M&S or Virgin?
I need to apply for a new card soon as I have two 0% offers ending. Should I go for Virgin or M&S? I know M&S are now only 6 months and Virgin are 9 but I need to do TWO BT's and I don't want any fees. Jon.
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Lloyds TSB Advance online card
Hi I have been looking online at this card which is offering 5.5% on balance transfers for life of balance. I am already a LTSB Platinum card holder (no balance). I was thinking about moving some of my Egg Loan onto it to lower the interest on some of it. Currently have £5500 left on loan. Is this a good idea? Or should I…
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Graduate account + RBS credit card
:eek: Hi please can any1 let me know what best offers for graduates are out there, (best interest free overdrafts and limits offered and are they for full time students only or part time 2?) i ve just applied 4 a RB of Scotland cc, and does any1 know if they charge a BT fee>? whats the max if they do??? thanks
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How long do i have to wait
Greeting Im a new memberand need to ask you guys here. Im a foreigner (non EU) just finished my MA course, planning to get a JOB in UK and stay for a long term. It has been 11 months since i arrived and have been turned down several times for credit card application. I do know about the credit score and how it is affected…
