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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?
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Tesco Second Card
Read somewhere here that Tesco lets you have a second card, but couldn't find the thread again, so called to double check. Rep took me through the 24 months 0% BT I wanted to transfer from the 4.9% interest zero-fee MBNA MT card ... Helpfully pointed out info I didn't know before. Namely, if you have had a card with Tesco…
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Credit limits and outstanding balance
Hi, I have a couple of questions for the experts out there. I have been stoozing for years, and used to have no problem getting several cards at once with 4-6K limit on each of them. I have a squeaky clean credit record. Now days it's a bit more difficult and I sometimes find I am given a tiny credit limit or even…
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Scams - no refund on credit card!!!!
Barclaycard are refusing to acknowledge and refund a fraudulent scam on my account for a holiday, that I paid with them and transferred via Transferwise. I have seen numerous examples of the same issue elsewhere yet the credit card companies continue to allow this, even though they say it voids my protection. We are told…
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Vanquis Credit Card
I have a Vanquis credit card (big mistake) that is killing me, I am at the credit limit and the minimum payments are around £150 a month so i'm finding it to pay more than the minimum ( though I do when I can). I thought it would be good to get a loan for the same amount but at a better rate to pay off the credit card then…
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Your old credit card after transfer
Hello. I'm new to using credit cards but I've needed to get two out in order to solve a one off financial problem. Both cards have long 0% interest free period but I'm worried about what happens when these run out. Once I have found other cards to transfer my balances to what happens to the original cards? Are they…
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MBNA 5 Credit Card
While having a check for any promotional offers on my MBNA card (none), I noticed the MBNA 5 card. It's not a 0% card but 0.5% fee for Money Transfers looks like it might be quite useful for topping up 0% BT card balances as you'd pay very minimal interest, if any, by transferring the balance away immediately. Anyone using…
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0% Credit card for Overdrafts?
Hi all, I imagine there are many threads about this but I can't seem to find them.... Got a total debt of £5000 (£1800 Credit card, £3200 overdraft). I'm paying a combined total of £166 a month in minimum payments and interest combined - This is obviously not getting me anywhere! My question is: Is it possible to use a 0%…
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MBNA money transfers
I recently applied and got an MBNA 4.9% card to use for money transfers. I did one initial transfer for around £8K into my bank account but because it was a new bank account (and the details were different to the one in my application form), it seemed to trip up on their fraud indicators. It took quite a few calls to sort…
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balance transfer explanation please
I need some clarification please... I'm in a process of buying a car... cost is 11k I can spread this across my 2 cards with 0% for another 2 years. but won't be able to repay everything in those 2 years... I'm estimating that there will be a 2-3k outstanding balance on those cards. would I then need to find a free balance…
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Best time to apply for multiple cards
Hi all, As the title says, when is the best time to apply for multiple cards in succession? evening, weekend? What have been your experiences? Thanks,
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Transferring positive balance to bank account
Hi all, I recently got a 0% 0 fee balance transfer credit card. I transferred the maximum permissible amount (95% of the credit limit) from that credit card onto my MBNA card which I normally don't use, so the MBNA card is now in a positive balance. I will be calling up MBNA & requesting them to transfer the entire…
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Halifax Clarity Card
For a long time the Halifax Clarity Card has been top of the Moneysavingxperts list for foreign currency rates on the Travel Money Max link. For some reason it seems to have completely dropped out of the list altogether. Does anybody know why?
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M&S Credit Card - what's the % cashback to compare
Hi there, Ive just joined this forum and wonder if you can help. My M&S credit card has almost expired so have been sent a new one. However I'm not happy with the benefits since the gov changed legislation. At the moment, the only one that would be good for me is the Acqua Mastercard as I dont need another Amex and dont…
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Barclaycard BT/MT Offers
Hi, I have three Barclaycards. 2 are Visa Platinum (one previously egg) and the other is a Cashback card. All have high limits. One has a hefty balance on it that was a decent BT a few months ago. The other two have no balance on them. For as long as I can remember whenever I logged in to the website or app it showed…
