-
Is it worth it? 6 months at 2.9%
Amex have offered me 6 months BT at 2.9%, if I BT this and stick it into an interest account paying 5% how much will I make? They haven't said anything about a fee. Thanks in advance....
-
How many times can I open & close card accounts?
I am relatively new to money stoozing/ credit tarting and worried that after a while credit card companies will spot that I am using them and will stop issusing me with new credit cards. My fear is based on a telephone conversation with Capital One earlier today. When I asked them to close my account (0% interest period…
-
Virgin card & MBNA card
I recently received £10,000 from Virgin (MBNA card) for my stooze pot, a couple of days ago I received an application form in the post from MBNA offering me 0% for 9 months on balance transfers, does anyone have experience in applying for an MBNA card at the same time as having a Virgin card ?
-
Cap One 18month 0% Deal
Was just wondering if anyone has looked at re-SBTing their repayments? I will shortly be making my fourth repayment, approx £1500 in total, and was wondering if I can re-SBT the £1500. I have reviewed my copy of the T's&C's but it is not obvious if this is possible under the original T's&C's. Comments........... cloud_dog
-
Temporary balance transfer question
I need to move about £700 for a month, am I right in thinking I can bt to my Nationwide CC for 56 days without incurring interest. I will be starting up my stoozing again soon as we are not moving now but as we have just applied for a remortgage I don't want to rock the boat by applying for any cards for a few weeks, plus…
-
Virgin and bal transfers
Hi all, I'm expecting a virgin credit card to drop on my door matt shortly. And I believe THEY DO NOT charge a fee on opening balance transfers. Can any other users confirm this ? Cheers :)
-
Mint Card
I have just applied for and been accepted for a Mint Platinum card, got to wait for them to send me details of the credit limit. Was wondering what sort of credit limit other people had got from Mint? Thank in advance for any replies. :D
-
ING Stooze Pot - 4.75% AER From Aug 1st
ING are the latest to drop their savings rates, with 4.75% AER now payable from August 1st. Have to admire the way they've done it though, ie fairly reasonable notice and a fairly honest explanation on their web site at https://www.ingdirect.co.uk. This wouldn't be much of a problem for me in years gone by as all our major…
-
BarclayCard - Late payment charge!
I use my Barclaycard Mastercard for purely online and telephone purchases. However, I have just seen my latest statement - and there is £20 late charge! I phoned them and asked them why - they said the payment was a day late. I explained that the payments are usually on time, and this is the first time it has happened. The…
-
Barclaycard Nectar Points
Just received a letter from Barclaycard, they have decided to stop awarding Netcar points on purchases made after 31st August 2005. Possibly because of this -> http://www.nectar.com/americanexpress :mad:
-
Consequences
I just recieved my credit report from Equifax. I am 20 and obtained my first credit card and mobile contract when I was 16, I said I was born in 82 when infact I was born in 85. I am suprised no one had seen through this. On my credit report it shows some with my birth at 82 and some at 85. It is hit and miss whether I get…
-
Alternatives to super balance transfers
Before this month it used to be possible to transfer (without any fees) cash from an IF (intelligent finance) credit card into a linked current account. As the maximum daily transfer was £750 it would take me a number of days to get to my £6k limit but once done I could make a balance transfer to a 0% credit card and then…
-
Failed to cancel PPI in 30 days: Help!
Hello there, Weeks ago, I opened a bank account at HSBC, and I had no idea what that PPI was, so when I was told about it by the clerk, and heard that it's only less than a pound for every 100 spent, I thought it sounds reasonable, so I accepted it. What is worse is that I failed to cancel the policy in 30 days! The policy…
-
Credit Cards: To Close Or Not To Close
Just xfer'd balances from 2 existing CC's to a 0% cc with Virgin, now do i close my old accounts, or leave them open. Ive head (ages ago, possibly a myth) that leaving them open and not in use boosts your Credit Rating, or helps it atleast.
-
Visa Electron Cards.
I here from various people that banks are now replacing the Solo cards with the Electron card but I was under the impression Electron cards could not be used over the phone to purchase goods. Also they were issued to customers with poor credit ratings. Would be interested to know what the situation is with this card. With…
-
Egg queries
I have a 9 month 0% egg card which is due to expire soon (September). I have a question though. Can I still do an SBT or BT on it fee free or have they sneaked in charges? I'm finding it difficult to keep up with the constant changing T&C's of the CC firms. They delivberately do it to catch you out.
-
Can someone help me work out my APR please...
I have a Barclaycard with different APR's on it and I was wondering what the average APR on it is. Previously my APR was at 18.9%. After doing some card shuffling, I now have about £550 on 18.9% APR and about £1700 on 5.9% APR. I am so bad at maths that I don't have a clue how work out the average. What I intend to do with…
-
Stooze pot as proportion of salary
Hi all, What sort of proportion of your salary are you guys (and gals) managing to get into your stooze pot? For example, if your salary is £10,000 is it realistic to aim for a pot of £10,000 (100%) or should the aim be an even higher proportion. As a beginner I'm just curious as to what I should aspire to ;) Only fair…
-
Sentinel / CPP card loss protection plans
Does anyone know the best company for card loss protection? I have details of my credit cards and other documents registered with CCP (Card Protection Plan), but they phoned today and tried to get me to switch from paying with a store card to a direct debit payment, saying it was for 'security reasons', and that a direct…
-
Citi Platinum Still doing Cashback?
NB. Originally raised this on the proper cash back thread but have not had a responce as of yet. So have raised it in the main forum again - hope this is OK. I have just applied for a new CitiBank Platinum card and just this week got it through the post. I applied for it as Martin's article said you got 1% CB. However,…
