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Stoozing - what can I pay/buy with the c/c
Have came across this "term" recently and am interested. so my question is; if I applied and received a 0% c/c what can I pay/buy with this, on reading it is everything you buy (shops/internet etc) but am more interested in the bills you can pay with it, eg house council tax, elec,gas, etc and especially a bill I have…
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Eliminating minimum payments
I have 2 stoozes running at the moment, 0% deals with Virgin and MBNA for 37 and 34 months, approx £6k each, all good. However, as we know, unless you have enough money out of your surplus cash to pay the minimum monthly payments, then the stoozed balances get gradually eaten away by the minimum payments.(in this case 1%,…
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BT to a debit card
Anybody tried putting in a debit card number when doing an online BT?
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Opus - anyone on here worked for them?
In September 2011 Opus closed my account but didn't tell me about it. I'd had a 5.9% APR for life of balance promotional rate, which they did in fairness honour after closing my account. If you work / worked at Opus, or experienced something similar, did they selectively close a lot of accounts in or around September 2011?…
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Lloyds Avios cc
I have one of the original Avios cards and do not pay a yearly fee. I have just taken advantage of their latest balance transfer for existing customers 0 percent for 18 months with a 3 percent fee. However they refund 50 percent of the fee within 30 days. Also you can transfer any balance even ones on a Halifax cc and the…
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avoiding tax via Pension.
Hello.. First post here, but i've been lurking a while. Just came across Stoozing.. interesting stuff. Anyway, I came across a calculator which shows potential rewards. It asks about tax rates. I'm guessing this is due to tax on gains via savings accounts. To avoid the tax, couldn't one just add the gains to their pension…
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Help & advice neeeded !!!
Hi all Im looking for some advice please on the following if possible: I currently have 3 credit cards with the following companies and im deperate on what to do next. Capital One £1550 balance £700 - 29%APR Aqua £1150 balance £775 -34%APR Vanquis £3000 balance £ 2800 -39%APR Do i use all available monies from the Capital…
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Beginner - Amount of Available Credit & Used Credit
Current situation: Income £30k, have a mortgage. Post Office 0% Card £4k limit, £0 used. Bank issued CC £3.5k limit, cleared in full every month, approx. £350 used each month (fuel expenses from work). Personal loan total was £7.5k, £1.3k outstanding. Have the funds to pay off immediately if necessary but haven't as the…
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Stoozing and Maximising Available Credit - Beginner
OK, here goes: I have just taken out a card for stoozing - the credit limit is way less (4k) than I know it could be. I'm earning roughly double what I was when I got my bank issued card, and the credit limit on my new card is the same. I have £1k left on a personal loan which I intend to get rid of soon, as I fear this…
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Stoozing Spreadsheet Inspirstion
Hi everyone, I'm just beginning to stooz and i really want to keep a spreadsheet to give me an overview of everything I've got going on. I wanted to ask for inspiration.So the question is really: What do you record & calculate in your spreadsheets?
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So I should be paying more than the minimum on my credit card?
Sorry third post in a row! But I've now read several times on this forum that you should be paying more than the minimum requirement on your credit card. Why is this and how much more should you be spending?
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Experienced Stoozer - credit rating sense check
Hi All, Firstly let me say I love the info and help given here on the forum! I have been stoozing successfully for a number of years, and now a lot of the offers have come to an end and I am thinking what to do next! My credit rating is now medium down from high. My real question is whether I have TOO many credit cards (…
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Incorrect MSE info
MSE web page regarding the credit reference agency that Banks use states that Bank of Ireland (Post Office) uses Equifax. Apparently they use Experian only and have done so for many years.
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Card limit of £2000 purchase of £2500 coming up
Hey everyone :) My card only has a limit of £2500 but booking a holiday of roughly £2500 how can I do it so I am only £2000 in debt on my card? Would I make the purchase first and then add the extra £500? Or would I overpay the card while I pay the original outstanding debt too?
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Can I take money out abroad then convert it back to pounds?
This is probably a stupid question but here goes: I live in Northern Ireland I can easily cross over into the Republic withdraw Euros with my Halifax Clarity and then convert the Euros into pounds and save the money. Would this get around the cash withdraw hit on my credit report since it's in a foreign currency and…
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Stoozing for mortgage
Hi Thinking aloud here more than anything. Say I have a couple of credit cards I could use to Money transfer and pay off part of my mortgage (£30,000, owe £70,000), would I be able to remortgage to repay the cards on two years time if needs be?
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a different type of stooze
does anyone do this: I have a new mbna low rate card £14000 limt there is never a fee to transfer to current account or balance transfer, so for example I stick 13k in my Santander 123 via money transfer, then the mbna credit card statement arrives showing I owe 13k, I then faster payment 13k from Santander back to mbna,…
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Post Office credit card - refund of balance transfer fee
Has anybody recently opened a Post Office credit card where the balance transfer fee is refunded within 90 days? If so, typically how long did it take to receive the refund? I'm getting close to the 90 day limit and there is still no sign of the refund and I was wondering if they really would drag it out to the bitter end.
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Spending or balance transfer?
Hey all, Have been reading the stoozing article over the last week or so and am starting to understand it! One question that cropped up that I couldn't find the answer for (note that I only have an AMex for the cashback and a CC for using abroad, I have no credit card debt, so they have been somewhat unused by me): Why…
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Tesco Bakance Transfer
The Title should read Tesco Balance Transfer�� I see Tesco are offering 0% fee on balance transfers for 19 months. I am an existing Tesco credit card holder and just rang to see if I could do this. The guy said he didn't know where I had seen this offer, I told him in Tesco website and here. He had no idea…
