-
Santander Credit Card - not accepting transfers from other credit cards
I have a new Santander 0% credit card and have been unsuccessfully trying to transfer balances from two other credit cards. One of the other cards is an Amex card (now learnt about its 15 digit card number issues and needing a sort code and account number directly from Amex) and the other is an Amazon MasterCard. Santander…
-
Advice Required re: Natwest Advantage Gold Account
Hi, A few years ago I had an Advantage Gold account with the Nat West. I signed up for one of these accounts so that I could have a credit card, but never used any of the benefits that you could supposedly get from it - holiday insurance and the like. After a few years I closed the account as I was moving banks and so I…
-
Credit card limit increases
Hi I am new to this site and this is my first post! I wonder if anyone has received the same type of call that I have? I was cold called to say that if my credit card provider had increased my limit without my permission or signature then they have to wipe the balance of the card off. This is because it has changed from…
-
Access cash on 0% purchases card
I've just received my new MBNA 28 month 0% purchases (in first 60 days) card through the post, as we want to buy a new sofa and thought I would see if we could get it on 0%. The credit limit on the card is £9k, and our new sofa isn't going to cost that. We could put some new tyres on the cars as well, but don't have…
-
Virgin atlatic - direct debits
Hi, Recently open a virgin atlantic credit card. Was keen to know if anyone knows how to swith direct debits from normal bank account to this card as I want to max airmiles. Thanks S
-
Carry on stoozing or cash out?
Looking for some advice although this might be one no one can definitively answer. I had a three year sharesave scheme from work, which has just returned around a 2k profit. Around two years ago, shortly after moving house, I took advantage of a Virgin Money money transfer offer (believe it cost me about £110 to ‘borrow’…
-
Credit Card A/c: getting MY money out
I have just been given an £800+ refund to my Sainsbury's c/card following a successful Section 75 claim. :) I rarely use this card at present, though will do so again once my interest-free period on another ends in September, so I don't want to close the account. Equally, I generally spend little on credit, so this refund…
-
Feedback wanted for my stoozing plan to overpay mortgage.
Hi there folks I am new to stoozing but really fascinated by the idea. Here is my plan. We have £108k in mortgage debt at fix intrest rate of 3.2% over next 5 years. Our current LTV is 76% and I would like to go down to 60% by the end of fix term. I have calculated that I need to overpay mortgage by £8000 and then continue…
-
Credit Limits - or not..?
If my credit card limit is exceeded in a shop purchase, my card is firmly 'Declined'. Quite right too. However, I recently made an online purchase by mistake that was approved even though it exceeded my limit by several hundred pounds. This caused all sorts of problems. Lloyds told me that it is up to the merchant to…
-
Old empty cards
I find I have a number of old credit cards, with a total credit of over 27k (unused) on them. Which is best for my credit rating - cancelling them, reducing credit limit, or leaving them be ?
-
CC Lower limit or close
Hi, I have 5 Credit cards. All of them have a balance of zero so none of them have any outstanding balances. I have had these cards for many years but in total the credit available is in the excess of about £30k. MBNA being the largest availability of £16k. I am planning on applying for a mortgage in Feb 2019. I already…
-
Positive Balance on MBNA or Fluid?
I would like to stooze using my Barclaycard that has given me a 2yr deal at 1.9% BT fee The only other cards I have are MBNA and Fluid, will they charge to withdraw a positive balance? Thanks
-
Sainsburys Bank
For a few days I haven’t been able to view recent transactions, now my online account does not exist!
-
Credit Limit doesn't cover balance transfer
I have a credit card with a large limit. I've applied for a 0% balance transfer credit card, which i have been accepted for, but the credit limit does not cover the amount i want to balance transfer. Do i apply for a second 0% balance transfer or do i just pay work with the lower limit? I'm worried that i'll now be paying…
-
Interest on Store accounts
Hello there. I am hoping someone out there can help. I have a number of Store accounts which I make monthly payments but seem to pay far more in interest than paying off the debt. I am in a complete mess and am looking at entering into an IVA. However before I do that I hope to contact the Stores and explain the situation…
-
Its on Us Bank of Scotland Scheme
Has anyone actually ever had anything from this ? - I have loads of friends and relatives who all are in this scheme and never heard of anyone getting a penny - is it for real. Plus check it carefully they have twice missed giving me the money - I am sure there must be a huge pot of money somewhere.
-
Section 75
Bought free sample face cream for £3.95 postage with credit card. Company supplied 3 samples with no invoice or contact details. Subsequently found they have fraudulently used my credit card and debits totalling over £271 have appeared under 2 separate names. 5 amounts but all under £100 if considered separately. RBs…
-
stooze pot
hi all, i have a limit of 10500 across three 0pc ccs, balance of about 6000. should i max these out and make the most of my stooze? or should i leave a little leeway for credit history purpose ie credit utilisation? also wondering what I can do to continue my stooze, can I wait to be closer to my limit and apply for more…
-
Stoozing advice?
We have a planned expense for the next couple of years for my wife to do some training. The fees will be about £7k over the next 2 years. I'm trying to work out if it will be better to arrange a normal loan for this or to take out a 0% card. The issue is, I think we would be better to try and release the cash from the card…
-
Debt management agency's