What's the shortest time that I can balance transfer again after doing it?
Bit of a grammatically bad question in the title but I have a debt of £3k and am looking to make a few quid through TCB. So looking to shift the debt on to a card which gets cashback from TCB when you take it out. However the debt was only transferred a few months back. Does this matter? If not surely people just…
Large positive balance on CC from balance transfer?
I signed up for the Halifax CC with the intention of using it for a money transfer, however I was told on activating the card the option to carry out a money transfer isn't until 3 to 6 months. In the past I've created a small additional positive balance when carrying out a balance transfer and most companies have been…
Barclaycard 0% Purchases not showing
Have had this with other cards before but on first login the 0% purchases isn't showing. Anyone had this with their new Barclaycard?
Fast Stoozing, is this ok?
So after clearing old debts i'm now in a position to start stoozing.Just wanted to check if this process is okBeen accepted for an RBS balance transfer card 0% fee 0% interest 22monthsI have on one of my other cards a money transfer offer, 0% fee, 5.9% life of balance so if i do the money transfer offer into my bank…
Should I move my savings from Offset Mortgage (AER 1.89) and invest elsewhere?
I wish I could say I am good at managing my finances but the truth is that I have been extremely lucky.In April I was able to get a 5 years fixed 1.89% EAR Offset Mortgage.I have really been lucky, it is crazy to think that people out there is actually going to have life changing consequences of these days' mess. I am…
Stooze, How to start?
What’s the best way to start a stooze pot? Looking for mid 5 digits-ish My journey so far: - Accepted for Halifax CC, small limit, hoping for a no fee Money Transfer offer - Waiting for NatWest 22month BT card - Waiting for a curve card metal card As far I can tell, my only option to accrue debt with minimal fee’s is via…
Has anyone tried to replace some or all of their mortgage with 0% credit card debt ? I have a repayment mortgage where overpayments are allowed free of charge. I am planning to pay off the mortgage with a few 0% credit cards and then transfering the balance when the 0% offer ends ad infinitum. Has anyone else tried this…
Hi I think this
is classed as a stoozing question, apologies if not I
have been saving for the last 4 years for a major holiday for my wife’s 50th. I
have the cash now in an easy access account, ready to pay in Feb. I
thought that I could squeeze more out of this situation by putting the cost of
the holiday on a 2yr 0%…
Direct debit or not?
So, I've only ever had credit cards with direct debits and paid off in full every month. I'm now looking at opening a 0% credit card which I won't want to pay off in full until I have to (Cash going into a savings account). The application is asking if I want to set up a direct debit. I'm thinking not in this case with…
Money transfer mbna
I've been offered an MBNA money transfer card at 2.99% fee with 0% interest for 18 months. £10k limit Mortgages fixed until 2025 so no credit score concerns. I notice the top 1 year fixed rate is currently 4.6% but is this likely to go up a bit more? Is this worth me doing?
Max out ISA with Credit Card
Hello So I want to max out my ISA with a 0% credit card but not sure which cards will let me do it without charging me interest. Anyone got any experience of pulling this off?
Can I still transfer the balance?
Hi. I was trying to move a CC debt to earn a few quid via TCB. Thought I’d been really clever until I discovered the credit limit that they’ve agreed to doesn’t cover the amount! 🤦♂️ So half of the debt will be transferred pretty much but my questions are: 1.I’m guessing I’ll be accepted what with good credit rating to…
Money transfer - fast stoozing
Hi all, This might be morally highly questionable so apologies in advance if this should be against any rules. However, I have 3 credit cards, just applied for another 2 and e.g. Halifax and Lloys easily wave me through their soft checkers with 12k and 13k limits for another 2 (this would bump me easily over 50k combined…
Spree card charity visa
Hello I’ve been signed up and happily using the charity worker spree card since spring of this year; transferring money from my bank account to the card and getting % back from each spend with qualifying partners. My last successful load of the card was 9th Sep and since then each attempt at transfer (load) has failed.…
New CC with less APR
Hi All, Ive had a Vanquis and Capital One CC for years and the limit has never increased. I was then offered an Aqua Card with 0% balance transfer and purchase for 4 months. Unfortunately the APR was 59.9% so I've used and repaid in full in the hopes the variable APR may reduce as opposed to limit increases, but capital…
Hi, Could someone help with a quick balance transfer question please? I applied for a new credit card and did a balance transfer for the full balance of my existing card. I forgot that I’m due to make a payment in a few days time to my current credit card company so the balance left will be lower. Will the transfer be…
credit card help
Hi I recently paid £60 remaining balance on Klana to start snowballing my debt with, I want to tackle one of our credit cards adding £60 to the minimum payments next. I got accepted for a fluid 0% interest card and wanted to do a balance transfer but to my frustration couldn't because the card is in my wife's name. I had…
Is there a interest free card which allows me to pay tradesmen straight to their account?
I recently applied and received a Purchase Credit Card from Santander ( interest free for 23 months) as i am repairing a renovating my house and i thought i could get the work done then pay the tradesmen directly to their bank AND also use the card for large purchases such as Fridges and Cookers etc Unfortunately, it seems…
Applying for 2 credit accounts in 1 month
I am travelling to the Caribbean in November and want to ramp up my Virgin points. I applied and was approved for the Amex Platinum charge card this month. I now got marketing from Virgin and have realised they offer 15000 point sign up bonus for their virgin reward+ card. I went into the Virgin eligibility checker and it…
What 0% balance transfer offers are there from various banking groups?
I have a number of 0% balance transfer cards (Virgin, Tesco, HSBC, Santander) plus a number that were 0% that I have paid off (Lloyds, Halifax, MBNA). Does anybody have suggestions for other banking groups that might offer me a 0% balance transfer with 12 months or more? I realise that it's probably too early to think…