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Credit Card switching - what are my options?
I have a credit card, and my 0% introductory offer is about to expire. I have £3500 debt on this card, and would like to switch this to a new 0% card. The problem I have is that I am applying for new cards (one new application every 3 months), and I am only being offered between £1000 to £1500 credit. My credit score is…
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How many balance transfer cards are advisable
Hi All, I'm looking for some advice on credit cards & balance transfer cards. As it stands ATM I have a Barclays Credit Card with a APR of 30% in which I owe £2250, I also have a Halifax Balance Transfer Card in which I owe £950, and the 0% balance transfer expires in December 2017. ATM I am trying to clear the debt on the…
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Stoozing
Hi! Does anyone know how hard it is to get the banks to lend you money, and what you have to prove?
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nationwide
- Get £200 if one of you is already a Nationwide customer. If you've a Nationwide FlexAccount, FlexDirect or FlexPlus account, you can refer your partner - if they then switch to one of those accounts (incl 2+ direct debits) within 90 days you'll both get £100, paid the month after the switch. Know more people who'd…
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Moving Credit cards after mortgage approved
Hi All, I'd like to move my debt (about £2.5K) from my current credit card to an interest free one which I have never done before so confused to start with Also on top my question here is we have just bought a home and moved in so my credit file has had soft and hard searches for the mortgage approved in December I am…
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Another +ve balance question
I've started this thread as I think a question I've asked at the bottom of this older thread won't be noticed and I want to check my understanding. Just want to check my understanding of this. If I get, for example, a Halifax BT card and want to transfer £3000 from my TSB card, I instead request a £6000 balance transfer…
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Mis Sold Windows
My Sister who is on Benefits was conned into buying double glazing at a cost of £9,000 for a very small property, at the time she was suffering with depression on medication and vulnerable,i have found out that the salesman arranged the loan, i have asked her to gather all the paperwork for me. Is there anything she can do…
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Barclaycard interest refund
Hi there I logged into my barclaycard to see a £4600 "interest refund" and quickly searched google for any news but nothing of recent Has anybody else had this before I call them. Thanks
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Stoozing Options
Would appreciate input re managing my cards for continued stoozing through 2017/18. Having started to utilise the 5% savings loophole last year I found myself running out of funds to be able to fully utilise my high interest regular savers and current account so decided to start stoozing to maintain the flow of funds into…
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Cart Bleue cards
I have been on holiday in France touring many times,Sundays are a nightmare as most manned petrol stns are closed .But the automated stns only accept Carte Bleue cards my wife and i have been helped out by outstanding locals, cash in exchange for use of their card when we are in the middle of nowhere .We have tried our own…
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Credit card for back-up
Hi, Can anyone tell me if you can get a credit card just as a back-up that doesn't charge you for having it but not using it or interest free if you you clear the bill in time. I have never had a credit card before and know nothing about them? Any advice would be helpful. Many Thanks, Bigfish94
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0% credit cards
I have 1 0% credit card but my husband and I still have one each that are at around 10k each I don't earn much so I can't get another card at 0% card but my husband details are on the first one, my question is, is there a limit to the amount of 0% cards you can have ?
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Next Card Account Number
Hi all, I've recently got a new credit card and in the name of debt reduction I'm wanting to transfer my Next account balance to it as a balance transfer however I need my account number. Which is where my trouble has started, when I contact Next they tell me that they don't provide the 16 digit account numbers for balance…
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Balance transfer a money-transfer balance?
Hi all, Quick question that you wise stoozers will hopefully be able to help me with! Basically, I just want to confirm whether I can transfer a balance built up by money transfer to another card and have it treated just like any other balance transfer. I.e. if I have a card with £4000 balance because of 0% money transfer…
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Commercial credit card balance
Hello! I've got credit card with £860 balance, I'd like to transfer it to my 0% Virgin card, but they won't let me. Is it possible to transfer commercial credit card balance on normal credit card? Any experience with it?
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MBNA Card, is it possible to ask to transfer in Credit balance to a current A/C ?
I still have capacity in my Lloyds Platinum CC with the limit of 12k where I get 0% interest on BT with low BT fee of 1.5% for 28 months. Currently there is less than £10 on my MBNA card. I am trying to maximize the impact of BT transfer, by transferring around £5,000+ to my MBNA card and save it into my 3% interest…
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Pay off stooze before mortgage app?
Hi All, I pan to move house next year and I currently have £9k on 0% interest offers split between 2 credit cards. In the eyes of a potential lender I can imagine this will ring alarm bells but I am purely using the debt for flexibility and to earn interest. I am frugal enough that I will always have an excess so the…
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Loan or 0% credit cards
Hi all, I have a dilemma I currently have roughly £10,000 between 3 credit cards and an overdraft. I would like to pay them off as quickly as possible. I'm not sure whether to apply for a loan (one application) too cover all debt or 0% cards (this may be multiple applications if to cover all debt) What would you do in my…
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Car loan ad Debt?
Can I do a 0% balance transfer on a car loan. I used to stooze back in the Egg mule card days. But I have lost all my knowledge and would appreciate some help.
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Halifax credit card and Lowell
Halifax has sold my old debt to Lowell despite me paying agreed amount by standing order to Halifax recovery team.. Not missed monthly payments. Lowell letter sent together with Halifax letter say they are happy with same amount but this will be reviewed in 6months is there anything I can do, not happy itcwas sold...I was…
