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Dorothy Perkins Store Card - Balance Transfer
Hi I was hoping someone can help! I've had a Dorothy Perkins store card for some years now, its not a Mastercard one. Its the old style one. I am paying a stupid amount of interest each month, I've tried to do a balance transfer to a 0% credit card but it wont let me. Does anyone know how I can sort this out? Thanks in…
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Hoq to quickly build up a stooze balance
Hi I heard about stoozing for a long time now but earning 1.2% savings by stoozing never appealed to me. I have a different purpose for it. I find that when I get credit card debts I tend to be highly motivated to pay it off fast. I am also more focused and work hard and do lots of side things to make more money. I was…
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Credit card help required
Hi, I owe £8763 on two credit cards, Barclaycard and MBNA. My minimum repayments are currently £135 and £45 respectively. I've had an offer from MBNA of a money transfer at a rate of 4.9%pa until April 2022. I'm considering doing a money transfer of £8763 into my current account and using those funds to 'pay off' the two…
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A little help for a newbie stoozer please
Hi all, Love reading the forums! I’d like some advice/guidance (from anyone willing to share any knowledge!) about the basics of stoozing. I have read martins step by step guide, however I’m left questioning the final step. What would you suggest would be the best step to take- repay? Or BT? And why? As I understand it you…
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dilemma, pay car with cc?
hi again all... so ive decided to pay off my car finance early in full (8,300) to save myself 1200.. however im unsure as to weather i can? or should try and spread it across my 3 cc's, effectively using that as my stooze pot. my other option is to pay it with savings(saving the 1200 and also impacting my credit score…
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Balance transfer advice
Hello fellow moneysavers, Looking for a bit of advice on preparing for some BTs in late 2018 and early 2019 when my 0% deals end, which will be my first rollover of stoozed money. I have about £15,000 to roll over, currently split across two cards close to their limits, plus another £10,000 on other cards that will run on…
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'Unable to verify' refusal on balance Transfer
Hi On MSE credit checker I was rated 100% likely to get balance transfer card. I have 999 credit score. So I clicked on the approved link and entering eligibility info it tells me they are unable to verify my approval status. Can anyone explain to me why this is and how I go about getting a good BT deal? Cheers
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Faster returns than stoozing?
Just noticed that quidco and topcashback offer cashback for applying for credit cards. Cards can pay up to £50 per successful application but average is between £20-£30 per card on quidco and topcashback. For low spenders this can be just as lucrative as stoozing away £5000 at 1% in a year. I applied for post office 30…
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Paying off the interest on Argos Store Card.
I lost my job recently and couldn't pay off the full balance as the BNPL ended on a PC I bought in-store, so now I have little money to pay off the outstanding balance. And yes I have to pay interest, which is £115 APR quid from the date of purchase. At the amount I can pay each month, it will take me about 5 months just…
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Help Please
Hi MSE Forum, please bear with me - this is my first post... I am looking for the lowest 'money transfer' cards - I can't seem to find them on the MSE site?? I usually use MBNA as I have a large credit limit with them but they want 5% to transfer the funds to my current account - are there any better deals? I know Virgin…
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transferred balances with new cards
Hi, I hope i'm in the correct place. First of all, i'm in debt of about £11,000 on 3 credit cards. 1 is £2,300 2.nd is 4,300 3rd is 4,390 Silly thing to do, but i had no choice. they started charging me interest now, as it was 0% of over 14 months. I'm new to this stuff, so i want to get 3 separate cards to make a balance…
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How to stop getting credit?
Am trying to find a way of helping a vulnerable relative resist catalogues/credit debt, compulsive spending etc We’ve tried mentoring, control over bank account , taking away stressful responsibilities, all with their permission and relief that we have saved them from disaster, but they can’t resist the compulsion to…
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0% cards most likely to accept an £8k transfer?
Hi. I would like to transfer around £8k onto a 0%, no fee card. Is this realistic? I've read that the average transfer is £1200. Also, could you let me know roughly how long applications usually take? Thanks, Sharon
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Marbles credit card
I was approved for marbles credit card last Fri and given credit limit , but now been 7 days as of today 09.03.18 ,, and I am worried why it has not arrived or pin no has not even arrived ,, How long do you usually wait
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Death and debt
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Whats a typical credit card max allowance?
Just curious as to what is the max amount of credit card debt someone can get from all credit cards with no other short or long term debt. Is it roughly annual salary? I am earning £32K per year and want to know what sort of stooze pot I can get before the credit card companies start refusing credit.
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Credit limit increase - irresponsible lending
Hi New to the forum but wanted to see if anyone had heard of similar.... I've just had a call from 123-refund.co.uk informing me they can write off my credit card debt from any cards that have had their credit limit increased without my authority. Apparently in these instances a credit check would not have been carried out…
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Credit card refund
I've received a letter from Bank of Scotland advising me that they recently undertook a review of their internal collections process and that following an assessment of my financial circumstance they didn't always take the appropriate course of action when dealing with my account and have offered me a refund covering a six…
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Re Amex Aldi offer
Hi Guys, just added offer from Amex to my card, £10 for £5 back. Can anyone please tell me how I save it to my second, linked card, wife’s, same as shop small?:beer:
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Interest free credit
Hi there, I had a new kitchen fitted last year and intended to pay for it at the time using my AMEX card and then paying the full amount off before I was due any interest(avios points for a large sale). When I was just about to pay it I was offered a years interest free credit for 1 year which I took. That year is coming…
