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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…
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Is stoozing still a thing in 2016?
Hi guys - i was an active stoozer and used MSE all the way back in 2005-2011 for stoozing purposes. In the later years once interest rates dropped I used stoozing to offset my mortgage - knocked around 3 years off it! However I stopped all this when interest rates went really low. Question now - is it still something you…
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National Record Entry Release
I keep getting urgent reminders (x3) from the National Record Entry Release based in PO box 223, Herefordshire HR9 9FL advising that i have not replied to the previous letter to claim my up to £20,000 prize but need to phone for 6 minutes or text X6 to their call line. ( at a cost to me ) Letter is professional looking…
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Beginner questions: Getting money out of a 0% CC, using freed up balance, paying bill
I would greatly appreciate help with the following beginner's questions about stoozing: 1) How to utilise / withdraw money from my credit card? I got one 0% credit card, I started putting all my spending on it, but it is veeeery low. I was reading about transferring a 0% CC balance to another card with a positive balance…
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Credit card help please
We are due to go on holiday soon so unsure whether to apply for a credit card or not what is the latest before we travel that i should apply. Also if i am accepted but i dont use the card will it matter?
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own a credit card?
Can I get MSE's opinion on this article about possible windfall? http://www.mirror.co.uk/money/450-every-mastercard-holder-everything-8363314
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First Credit Card
Hello, I've recently graduated from university and will be starting my first job soon. I have been advised by a number of people that it is useful to look at getting a credit card. However, I am not sure which ones I should be looking at. There seem to be so many aimed at different things e.g. balance transfers, travel…
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Stoozing question
Im a new stoozer, I've just opened up two credit card accounts, 1 post office money credit card with a £1,450 credit limit and and a sainsbury's credit card. (the two top recommended 0 per cent purchase cards on this site) My question is, how can I stooze on any of these cards when the minimum monthly payments (2.5%) i…
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Downturn since Brexit
Not sure how many tradesmen or businesses will read this but my business seems to have really taken a down turn in the last few weeks, sine Brexit?? - not sure? Just wondered if any other tradesmen or businnesses have experienced the same?
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Bank turned off promotional 0% interest rate
First and foremost, can I say that I have made a mistake here. The implications of this mistake are fairly severe and I am asking for help to try and resolve the situation - I know I have being naïve! I took out a credit card with 0% on spending to pay for the final stages of refurbishing a house. We were project managing…
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FreedomPop, the 100% free mobile phone service provider
I have Kaspersky security installed on my PC and as an existing user, Kaspersky have sent me a special offer, which I am wondering is it legitimate or a con? The special offer is for a free Trio SIM Card (worth £10), Unlimited voice minutes, Unlimited text messages and 2250 MB of data. It is free for the first month (with…
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card application before mortgage application
OH and I have credit cards with quite high interest rates, as we had poor credit scores from financial difficulties in the past. All of the adverse stuff has now come off our files and we're about to apply for a mortgage (within the next month or two) so that we can move home. I want to pay off these cards quickly but now…
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which cards won't transfer to MBNA ??
Hi, I have the MBNA card for money transfers, obviously Virgin won't transfer to it as they are the same bank - but HSBC don't seem to want to either (insist in 16 digit card number) - haven't called yet as it's a bit early but will try later. anyone else who I might want to avoid ?
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Considering stoozing
When I first joined MSE some years back I considered stoozing but at the time decided I wasn't quite ready or sharp enough to keep on top of it, plus I had several other avenues to explore first. Now I have come full circle and I am taking into consideration stoozing again and seeing if it would be worth it for me.…
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Advice urgently needed
I transferred a credit card balance to a new Capital One card onine this evening. Everything went through OK and I was able to transfer £1200. However, on the final page it said my credit limit would be £200. Advice is urgently needed as I do not want to incur fees for being over my limit before I have even got the card!…
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Bank switching cash going to creditor
Hi everyone, I'm wanting to take advantage of all the incentives to switch current accounts (I'm also becoming increasingly frustrated with my own bank). I have one creditor, which I pay by monthly standing order, and im wondering: (a) will they be notified of my account switch; (b) will they be entitled to the money banks…
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Optimal Credit Card Utilisation
Hi, I have been stoozing for a couple of years, I have approx £23k balance on AA, First Direct, Halifax and Santander cards with a total credit limit of £27k. Earlier this year, I figured it would help me get my next card if I closed down some old credit cards before applying for my next card. That seems to be a bad move…
