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Barclaycard - reduce your interest
Hi all, I couldn't get a balance transfer to move debt from my barclaycard. Interest was on standard rate 18.6%. What to do- I called barclaycard and told them I had been offered 36mths interest free from another company and asked what they could do to keep me as I didn't want to leave them. They offered me 2 years at 6.9%…
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Which card
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How do people pay mortgages using stoozing?
Hi all, I have read articles and threads in the past where people would claim they managed to reduce their monthly mortgage bill using stoozing. The most memorable example was the forumite 'Stooz' himself/herself, who said that they reduced their monthly mortgage bill by £300. I understand stoozing through purchases,…
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First time credit card, how long to wait before stoozing?
Hi all, I have never had a credit card before. Is it a good strategy to take out a credit card for 'bad credit' candidates (like the Aqua card), use it like a 'normal' credit card (pay off in full at the end of the month) and then wait for 6 months? Then after building a strong credit score, switch cards and then start…
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Virgin money transfer card rejected
I applied for the Virgin money transfer card 1.90% fee , 0% for 20 months However, I was rejected, Iw as going to use it for a stoozing pot My income is 42k , monthly expenses approx 1200, with 2k debt on a 4k limit 0% card, I have another credit card with 4K limit Anyone else been rejected form these virgin money transfer…
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MBNA Money Transfer Offer
Received an email today from MBNA offering a fee-free money transfer offer at 4.9% for transfers between 01 March and 31 March. I just so happens that I applied for a Halifax (£8K credit limit) no-fee, 0% BT card on Friday with the intention of using the MBNA card (5.2K credit limit) as a Mule for a £5k balance transfer…
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Stoozing question
Once I have paid off all my current borrowings I want to see if I can stooze or learn about this. I run a company - I can setup an invoice to be taken from the card - Deposited into my personal bank account that way I'd be able to draw 100% of funds from the cards and placed into a savings account almost instantly... It…
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0% credit card query
If I set up a DD of X amount per month, and I pay an additional one off payment as there is an option to do .why isn’t that X amount taken. How do I get around it so the one off payment and the X amount is deducted
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M&S credit card moneyback offer
Did anyone else see the MSE article about applying for an M & S credit card, spending something like £100 and then getting £50 cash back? Can't remember the exact details, but it looked like an offer too good to miss so we applied for the card. It's all gone through fine - but now I can't find details of this moneyback…
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Halifax 60months at 4.9 % interest how much interest a month
I'm looking at doing a balance transfer to halifax it's 4.9 % per annum for 60 months ! If I transferred £2000 how much interest would I pay each month in £ . Thankyou
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Multiple applications......the results
First a hello !, been reading a long time but my first post This may help others considering doing similar all done on same day (weekday during business hours) in this order Reason for order, highest chances first going by the individual company eligibility checkers, and existing cards held (17) Virgin......instant accept…
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Selling leasehold flat - help
Hi All, I need an advice on selling our flat which is Paradigm leasehold. It is 100% privately owned flat but there are other flats in this block which are shared ownership. We have a buyer who wants to buy to let but Paradigm have turned around and said that this flat cannot be rented out. Does that sound right to you and…
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Utility info
Ok - sorry if this is inthe wrong section - but first time here and cant find the utility forum -or contact MSE direct ... I just had an email from MSE indicating I'm paying too much for my energy - I went to view MSE results and Ebico was the first in the list to save me a considerable sum .... BUT - I am already an Ebico…
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Just moved house - chances of credit card with same bank?
Morning, I have just moved house in the last couple of weeks. Due to unforeseen job circumstances, I now need to purchase a car and I had hoped to apply for a 0% credit card to put a car purchase on. Will it make any difference if I apply to my own bank for a card or is their credit check process likely to be unaffected by…
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Feedback on my approach so far
I started stoozing this year in February and I am looking for some feedback from more experienced stoozers on my approach. Background I have a relatively small mortgage (currently 70k) which I will pay off in full when my fixed term ends (it will be 40k in 2 years time). My credit rating is 969 as of today, only negatives…
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Credit Card Debt on a family death
Hi I wonder if anyone can help me. My girlfriend mother died the other week and we found out she owes 50k in credit card debts and no life insurance. She had a property with her husband and I wonder if he is now liable for her debt even though the credit cards were in her name. Can someone help me as my girlfriend is…
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Credit Card Debt on a family death
Hi I wonder if anyone can help me. My girlfriend mother died the other week and we found out she owes 50k in credit card debts and no life insurance. She had a property with her husband and I wonder if he is now liable for her debt even though the credit cards were in her name. Can someone help me as my girlfriend is…
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Scraping around for somewhere to put stooze cash for a year?
Search "Octopus Cash" on quidco. I've been offered a one-year fixed rate of 1.47% (before anyone gets in there - this is not a great rate). Not sure if they do differential rates - probably do. Then Quidco is offering £50 cashback if you deposit at least £2500. So after one year I'll have £2586.00 all in. A lot less hassle…
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Old credit card statements
I'm trying to get machine-readable Visa credit card statements from First Direct. They have six years of records of data about my spending which they can process into statements, print out, and post for a fee, but I really want the electronic data on which these statements would be based. (I can log in online and get the…
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IF credit card!
Hi I wonder if anyone else out there has an IF credit card that apparently can't be found on an Equifax credit check? I have had th car for a number of years (last activity 2008) but according to my credit report it doesn't exist. Anyone else had the same or similar issue?
