-
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
-
Bank Account Fraud
Im gonna try and tell this story as best as i can , about 6 or 7 months ago fraud was committed on my account (and no i didn't know about it , since it was done by my own family member). Long story short my younger brother took my credit card and gave it to some money launders who do "AC/ Sqrs" in order for them to put…
-
Where to start & is it worth it? BC with 17K Limit
Afternoon all, Once I have cleared a balance I will be left with a BC with a 17K limit. I will renegotiate a deal with them when it comes to the end of my interest free period. Im looking at a very low/0% money transfer to a bank account but am concernced the available saving rates might not be worth it. Can any…
-
Northern Rock Advce
ello, I have had a mortgage from Northern Rock since 2006, part secured and unsecured and currently owe £61,000 secured and £7,000 unsecured. We did not pay a deposit and it is a 100% morrgage. Do you think I have a case to retrieve a payment and or the unsecured loan to be wiped (ideal scenario) ? Any help/suggestions…
-
Wannabe Stoozer
Hi all, So I have recently come across the whole premise of stoozing and after having a good read, I have applied for a purchase credit card on 0% for 26 months. Obviously the way to use this card is to make purchases like normal but on the credit card, but i'm just weary at what I can purchase as I want to take it slowly…
-
BA airline change - refund?
Hello, some advice please - I booked to travel to Majorca with BA. A month later they advised me that they had shifted the flight operator from BA to Titan Airlines. I've never heard of Titan Airlines and booked to fly with BA. I asked them for a refund but they have so far said I am not entitled. Am I entitled to a refund…
-
Phoning Barclaycard fraud re positive balance
So I put my Barclaycard £10k in credit with a (0% fee) balance transfer - Barclaycard is often mentioned on here as being co-operative in transferring +ve balances to current accounts, and I was emboldened by them having done that for a smaller amount a week previously. This time I messaged them to ask for it to be…
-
Debit cards
Hi,any advice greatly appreciated.got a £100 gift voucher for my daughters at christmas.the hair saloon has went into liquidation.the Halifax has told myself that as I used a Halifax visa debit card I have no recourse and to join the list of people waiting on money.surly the Halifax should be protecting consumers using…
-
Legal Charge over My Home
Good evening, I’d be most grateful for any advise as my estranged husband has got us into a financial mess....... To cut a very long and unbelievable story short, he decided to prioritise non priorities instead of paying school fees amongst other things. The school is now being paid £2k per month by my estranged husband…
-
Credit cards
Hi to all,I have 3 credit cards...Argos,£40.00 per month. Capital One £70 per month. Vanquis £75.00 per month. I'm retired and I find this all a great worry for me.Please help if you can.I have not used the cards for some now.What would be your advice for me? Kind regards John:rotfl:
