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reduced available spend
It's approximately 8 weeks since I applied for a number of cards on the same weekend (all accepted) and it seems that the card providers are now getting a bit twitchy with my sudden change in spending / card habits. Soon after I got the cards I balance transferred at 0% to almost the maximum I could in order to pay for…
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Cashback cards
Hi, I'm currently lining up to purchase a car from a dealer and was hoping to use a cashback card to grab a little free money in the process. I was hoping to find something that would allow me to purchase the car, fully pay it off, grab the cashback and cancel the card but notice that most deals seem to only pay the…
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Barclaycard refuses to explain why i don't qualify for rate reduction
I read last week how members of this forum have reduced their barclaycard interest rate to 9%. Our debts have mounted up, whilst i don't deny some expenses could have been avoided, in the main this is due to a situation out of our control. Regardless, my issue is I rang Barclaycard and asked for a period of rate reduction.…
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don
hi there, i want to shift to a 0% credit card but the best choice that MSE is coming up with is with barclaycard, which is who the original debt is with. should i apply or is this going to flag on the system ??
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Best for students?
Which is the best credit card for students? I have spent a few hours looking at a range of both student and standard ones, such as: HSBC student, Halifax student, aqua classic and capital one classic. Does anyone know which accept people with no credit history, and which are good for limit increases in the future? I would…
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Post Office duplicate balance transfer not being recalled
Hi, I am new to this forum & looking for a bit of advice. I applied for a Post Office credit card back in June to do a balance transfer of £1.1k. They processed this transfer twice, 5 days apart, as they said they could not see the initial one on their system. They now have £2.2k from me, for me to pay off. I reported this…
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Balance Transfer Card for Offset Mortgage
Hi, Firstly apologies for what might seem like an dumb question. But having read a number of articles on this, I just wanted to make sure I understood it properly and run it by you guys in English. This is what I was planning to do; I have an Offset Mortgage, soon to be charging me 4.5% interest. I was thinking to go for a…
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Stoozing and Unforeseen Credit Needed
Hi all, Decided to give up stoozing - need to keep the credit report shiny as a new need for credit just appeared. Looking for advice on how to maximise my chances of getting a personal loan in approx. 6 months time, current situation as follows: Salary £35k Mortgage £108k Personal Loan £7.5k, just paid off. 3 Stooze…
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Is it illegal for someone to enter your pin?
I am wondering if someone could help? Is it illegal for my child to enter my pin number at a checkout? I have placed the card inside the machine and am removing it they are merely putting the 4 digits into the reader? I have never been told otherwise but yesterday a man shouted at me and my daughter for doing so as it was…
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0% balance transfer or 0% purchases new card, which is better?
Hi. Long time no post. I have a (Halifax) card with a big unused credit balance available, and I have some big building costs coming up. The Halifax card has the usual horrific APR interest rate, but I've a zero outstanding balance on it at present. I am wondering if it's better to pay some big building-related bills on…
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Checking my understanding
Hello all, Been reading through various threads on the forum for a few weeks now and want to check my understanding on creating a "stooze pot". I understand the 0% on purchases route, but as I don't spend a tremendous amount on a monthly basis feel that route would not really be worth the effort (unless I can talk my wife…
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Prepaid credit cards - SecureCode/Verified by Visa
So, I'm considering a prepay credit card but I wanted to ask if PP CCs all use verified by visa or SecureCode by MasterCard? Currently with Santander and verified by visa does my head in. Number of times I've forgotten my password is silly. Has anyone used these ans can you confirm if they do/don't!!?? Would be a great…
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cash by stoozing
HI...new to stoozing so just wanted to check an example please: normally cash withdrawn on credit card has mega% interest. but can i immediately transfer the balance to a 0%-transfer card and avoid all that mega%? (acknowledging there's still the transfer fee, of course) I'm assuming the 0% transfer card doesnt care what…
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Best credit card to use overseas
Hi Guys. I am off to Europe in a few weeks and have been looking at the best credit cards to use abroad without any charges. Can any recommend one that ideally has interest free on new purchases? I cannot use Nationwide as I had one 3 months ago and they have said you need to leave it at least 6 months. Thanks
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Stoozing and missed the payment date... GGRRRRR!!!
Hi folks, I have been stoozing (by this I mean spending my living costs on the 0% cc and saving the money each month in Santander 123 at 3% interest) on an American Express cashback credit card and annoyingly they don't allow you to set up a DD to pay the minimum payment each month (edit, just noticed that they have now…
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Paying off the balance of your credit card
Hi I recently phoned up MBNA and asked to pay the entire balance of my credit card. Today I received a text saying I needed to make a payment and after speaking to them it seems that I have to pay interest from my last statement until the date I made the payment. As I asked to pay to entire outstanding balance on the card…
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AA 0% Credit Card application - would not recommend
I have been Stoozing since 2008 thanks to MSE :T which has been a great benefit over the years. In short - Would not recommend if you wanted a quick decision (applied 6 wks ago and still waiting) I applied online in Feb 2016, did not receive any communication to confirm. I had to call to follow up after 7+ working days to…
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Stoozing whilst on benefits?
I know this might get me a lot of hate but recently I had to sign onto ESA (Northern Ireland) before I became unwell I'd built up a strong credit score and have been stoozing about £10000. £3000 from a Stander graduate overdraft, £1500 from a fee-free Nationwide overdraft and £5,500 in purchase free credit cards. Most of…
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stoozing and credit utlisation
I'm considering stoozing however I'm concerned about it negatively affecting my credit rating which is average at the moment. I'd ideally like to use the full limit or something like 80 - 90% but understand that the more you borrow the more potential impact it has on your credit rating? So my question here is what…
