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Preacceptance, what credit limit ?
Good morning, I am in the market for an interest free credit card deal as my current one expires shortly. I have had a look and completed the pre eligibility checks on this site and have been pre approved for several including the Virgin 0% deal. My query is how do I know what my credit limit will be before I apply ? I…
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How to build up a stoozing pot?
OK. I am totally new to this stoozing thing. I've read the guide and I get the principle but am unfamiliar with the detail of how this works. My understanding is it works like this: 1. Open a credit card account with a 0% interest introductory rate. 2. Do everyday spending (mainly food, fuel) on the credit card. 3. Make…
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Credit card transfer advice please
Hi, My partner has several cards with around £3000 on each. We considered trying to get a 0% transfer but she only has a part time job. I do not process a card but, now have a full time job. I know that I can get a credit card in my name and transfer some of the balance from one of her cards but, here is the question.…
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C/C Money transfer for car finance
I will start with my question: What is best to do with £225.54/month? I have a car on finance bought on a 5 year HP finance option at 10.6%APR. I have 41 months left to pay and my balance is £8494.18. I pay £225.54/month (there is £902.96 worth of overpayments). I have always been prepared to pay for a car on finance but…
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Add to excisting credit card balance
Last October i was offered a 0% money transfer rate for 20 months on my Lloyds credit card so i borrowed £700 and have been paying it back £35 a month to get it cleared before the 0% ends In May this year i will need to do a balance transfer of £2000 from MBNA and Lloyds have offered 0% for 14 months on the same card. What…
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Positive Balance On HSBC
If I did a balance transfer to a HSBC credit card and thereby gave it a positive balance, would they transfer the money to a current account or return it to the source? I have heard that MBNA and Capital One are good for this, but I can't find a thread saying if this is possible with a HSBC. TIA
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Balance Transfer to pay off Pay Day Loan
My son stupidly took out a payday loan for £1500 at 300% interest! I'm trying to find him a Credit Card that will accept his low credit rating (he has one default on his credit file, some 4 years old) AND pay off the loan. I've called a couple of providers who will only do a balance transfer from one card to another, not…
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balance transfer issues
Hi everyone I have transferred a balance from a Barclays card to a HSBC card on the 31 of March. the balance is already showing up on the HSBC card however it is still showing on Barclays card too. It is now 08th of April. When I first queried it HSBC, they said it might take up to 4 working days. It hasn't. So I rang HSBC…
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NEw to stoozing so what next?
I am just coming to the end of the interest free period on two credit cards (in a month or so time) and wondered what the best strategy is to continue to benefit from zero rates? Do, I pay them off, cancel the cards and apply for the next best 0% offer or transfer the balances to the longest free interest period? If I…
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Capital One standard PI
I Just got charged a STANDARD PURCHASE INTEREST £49.64 by Capital One VISA seems excessive to me , I use it in Italy every few months inc cash advances my question is what is this and is it a one-off annual charge
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Giftcard Fascism
Don't ever buy anybody a WH Smith Giftcard as a present. I went in 3 weeks ago to buy a Boots giftcard for somebody's birthday and wanted to use the WH Smiths giftcard to pay some of it with-they don't allow it! I then went to a different branch of WH Smiths yesterday to buy a book of 12 first class stamps, and they are on…
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Travelling to Thailand. Over the counter Prepaid Card
I am going thailand this weekend and I am wondering if I can find something other than the Post office pre paid card (I've read the reviews...its generally considered terrible). I should say I did register with revolut card but that won't arrive till monday (I am leaving on sunday). Alternatively, if no one has no…
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Watch out for GB Energy price hikes!!
I have just had email from GB wanting to put my monthly contribution up from £82 to a massive £149 - over 60% increase!!! There is no way my consumption has increased by this much and after an hour wait on phone I was told they had been instructed by OFGEM to increase monthly payts - what a load of rubbish!! GB had no…
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Cashback on Vanquis
I've applied for Vanquis credit card simply to get the £25 cashback. On 14/12, I received weekly offer email and apply on 16/12. Now I got the card, phone Vanquis, they said there is on such offer? Can anyone confirm if there is such an offer please and how to challeange Vanquis? Thanks Sue
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Nationwide card as mule?
Has anyone used a Nationwide card as a mule (putting it in credit by balance transfer and having the credit balance transferred to a current account)?
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Sending new 0% BT to old cc giving positive balance on old card
Is it possible to send the new 0% fee balance transfer cards credit limit (7k) to my old credit card 0% purchases card with a £2k balance leaving it £5k in credit and then withdrawing that £5k credit balance to my current account? My old 0% purchases card deal runs out soon so won't be able to rack up another £5k spending…
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Tjm
Am considering applying for AA credit card with upto 30 months 0% on spending - can i use this to pay off a loan?
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Whats the worst thing about Credit Cards
Am curious to know what the worst thing about credit cards is to different people? My guess is its the long time it seems to take back and the confusion around repayment amounts/rates. Any other thoughts?
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Overseas Spending
Sorry if I've got this on the wrong thread or something. I'm new to forums! Looking at credit cards which give free cash withdrawals abroad (eg Halifax Clarity). Appreciate the "free" is a bit of a stretch but as per MSE if you take cash out abroad then pay it back the same day using on-line banking, the interest barely…
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How do I change the payment options on my Amazon Account
I have three different credit/debits cards on record for my Amazon account. I use the Barclaycard credit card as the default card. Recently I got a new Barclaycard which I wish to make the default card, to replace the existing card. So I added it to my Amazon account. I then made it the card to be used for one click…
