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Issues with interest
Has there been any work \ calculations done on interest charges Had an interesting experience with Santander Took out a 0% balance transfer card with them - and transferred it all out - no issues for a few months. Made a mistake and used it for a couple of purchases, realised it and made a payment to cover those costs - so…
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Fast stoozing using money transfer credit cards cards
hi all, Was wondering if anyone has done the above? Does it really work with any of the cards which have a nonzero transfer fee? I know that Creation has a card that has a zero money transfer fee & 15% on balances. Would it be a good idea to transfer cash using this Creation card & then immediately balance transfer the…
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Help regarding PPI AND CREDIT CARD
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Best card for 10K spend?
Hi Looking for info on the best reward card to use to pay for a holiday? Balance owing is nearly 10k. We have the funds available to pay for it, but would like to get info on any kind of rewards card available?. It will be a 1 off purchase and paid off in full straight away. Not interested in Avios or airline points etc.…
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Get my money back
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hotel hasn't charged card
Hi folks, I read this website a lot for money saving tips but am a first-time poster :j A couple of weeks ago I stayed in a hotel in Greece which I booked through booking.com. On arrival the owner gave me a receipt for my stay (about 700 euros) and I got an sms from my bank (as usual) saying that a charge had been made on…
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0% credit cards
Hi all, I used to have several good offers for 0% credit cards when I logged in to the credit club. However these have now disappeared completely! (It just says N/A under the 0% credit card section). Can anyone explain why this has happened? The only change is that I applied for universal credit, as I will soon be on a…
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New cards Vs existing card deals
I have been mainly renewing existing deals as I am at max credit and don't think will get another card or as big a credit limit again. However generally paying 3% on BTs Vs no fees on new cards Is this a poor strategy? Should I take the risk of ending and restarting?
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Credit card advice needed
Hello so I have 4 Credit cards with 60k total credit available. I have maded to fill 30k thought normal spending but I am strugging to find an efficent way of utilising the the remianing 30k. The best money transfer credit cards I have seen come with a minimum fee of 2.99%. So it is going to cost me £900 to transfer the…
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Non-completion agent fee
Hello, I've received a contract with the following and it does not seem right to include the word "inability". I don't particularly like the whole clause but that word in particular seems off to include. Also, what is a normal fee to pay an agent if you back out of an agreement? Any thoughts would be appreciated. "If the…
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Section 75 query.
In November I bought a pair of shoes online for £121.00. They were to small so I used their free-post return service and obtained proof of postage. I have not been refunded for these yet as they say they haven’t received them. Once they receive them they’ll refund me. I think that is too open ended and as I’d followed…
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Does calling credit card providers help?
Hi all, At the end of the 0% purchases / BT period, can it help to call a credit card provider to sweet talk them into giving you a few more 0% months? For example if you have been paying the minimum payment on time & not running up any foreign usage fees, etc. (i.e. being 'good') would they do anything like this? if so,…
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Any point closing old stooz cards?
Hi, previously I would just close old stooz cards to make my life simpler / card drawer emptier! But never sure whether this is a good or bad idea. I have 3 "spent" stooz cards now with total limit over £30K. Other cards have total limits around another £50K. SO, smart to close or better to keep open? Thoughts welcome.…
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Best credit card?
Hi all, being new to credit cards - I started with a Amex BA (blue) card which I pay off each month in full to collect Avois points and build more of a credit score. I’m also cashing in Tesco Clubcard points for more Avois as this card seems like the best for rewards etc. Is there anything out there that’s better? Either…
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How to reduce a credit card
I have a business credit card and am trying to get my balance down on it pretty quickly as anybody ever paid a balance off really quickly and whats the best way to do this any help would be grateful
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Section 75 HELP
Hi all. We have had a new bathroom fitted and due to Section 75 protection we paid the company doing the work a £1000 deposit via our Credit Card. Its fair to say that the company that fitted the bathroom should be on cowboy builders as they have done a terrible job. Tiling looks terrible, the pipes that were supposed to…
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think ill be paying down my cards
Moving a balance in a few months, Halifax offered me a joke of a limit, the sort of limit people who need to build up their trustworthiness get. sainsburies was at least in the 1000s but below the amount requested, the lowest limit I have had since started using 0% cards. I am guessing my affordability calculations arent…
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Cards for Travel Hacking?
In the next few months im going to need to put a large purchase on a credit card, and as i am also going to be planning a honeymoon i wondered if there was a best card to look into to give me something back i could use for the honeymoon? I've heard the phrase "travel hacking" quite a lot in reference to getting points and…
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Stoozing ish...is it possible?
I was just wondering if it's possible to make a few pennies by transferring money between HSBC accounts. They have a foreign exchange account (I already have other bank accounts with HSBC. If I moved say 1k into the euro account, easy to do online and instant, would it then be possible to move the euros back to my HSBC…
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Buying a car and what cover do I get?
