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Balance transfer to card with (virtually) no balance
Hi, N.B. I meant FROM card with virtually no balance! Sorry. An idea struck me today that might allow me to borrow a couple of grand for a year or so for just the 1.9% fee (as currently offered by my existing Barlclaycard) by transferring, say £2000 "from" an MBNA credit card that currently has a balance of £1.66. This…
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Stoozing & Balance Transfers......
Hi There, There may well be an answer to my question in some of the fine print, however that would take quite some time to read through. To put it simply, I am just thinking about the Stoozing process, mainly when I get to the point of the balance transfer when the first credit card at 0% comes to an end and I transfer…
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New to CC stoozing: accepted for Nationwide Select
Logged onto Nationwide today to discover they were punting me the Select card, with: 0% for 15 months on BTs (0.25% fee if transferred in the first three months) 0% for 15 months on purchases Fee free purchases (but not ATM withdrawals) abroad 0.5% cashback On a low income: they have given me a £2k limit. I'm new to CC…
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Muleing with a Santander Zero atm withdrawals?
So I've not even really started my slow stooze plan, and I noticed something interesting on my Santander Zero card statement. As per the Santander page on the card, my statement says "Cash Transactions Fee 0.00% (minimum £0.00)" Does this mean I could withdraw cash with my Zero card until I was approaching the limit of my…
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First Direct Gold Card - direct debit not from 1st Account?
I recently got a First Direct Gold credit card after the 0% period on my Nationwide card expired. However, it only seems to let me set up a direct debit from my 1st account. Is it possible to pay off the minimum amount by direct debit but from a non-First Direct account? If so, how?
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First credit card, tips and advice please?
Hello, So the pin number for my very first credit card arrived this morning. Its with Capital One and a tiny £200 credit limit. I was in a relationship and I didnt manage our finances. When we separated I had so much debt. Three years on I'm starting to see the wood through the trees, however I am now a single parent, HE…
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Which is best, credit card or personal loan?
Could really do with some help here guys. I get married soon & need to borrow around £4000 for expenses. I plan to pay off the amount above to settle the remaining balance of our wedding venue. Now this is where the problem is, I would like to borrow the amount above over 12 months, am I better with a credit card or…
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Pay Back 0% Card or Save in ISA
Hi People, I recently I did a balance transfer to a Barclay card with 36 months interest free. I owe £7200 (from renovating a house) and am now in a position to start clearing this card, I aimed to do this in a year paying around £600pm. Would I be better paying the minium of £130pm and then putting the remaining £470pm a…
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Can I ask? Transfers between accounts.
New to this so please accept apology if asked previously. I have three high interest current accounts and transferring money between them to satisfy funding requirement's. Is there a minimum period that I have to leave the money in the account before I can transfer it out to the next account or can I do it once it has…
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Argos e mail address
Can anyone let me have an up to date e mail address for complaints to Argos?
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Cards most likely to offer credit limit of £6000(ish) and 0% purchases?
I’m hoping to get some advice on which cards are most likely to offer me a credit limit of approximately £6000 and 0% on purchases. Ideally I will need 32 months at 0% (at which point my ISA will mature), which would require a balance transfer and another card somewhere down the line, but I don’t currently have any…
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Interest Calculation Request
Hello, I have just received a Santander 15 months 0% Credit Card with a disappointing £4,400 limit. I plan to mule the £4,400 to my RateSetter account and lend it for the One Year term at an interest rate of 4.2%, and with my RateSetter account configured to lend the monthly repayments back out on the Monthly term at a…
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Marks and Spencer Credit Card
Just applied and got accepted for the Marks and Spencer Credit card via moneysavingexpert website. Balance transfer 0% for 15 months with no transfer fee and 0% on purchases for 19 months. I received the £5 M&S Bouns Points but no mention of the £30 voucher to spend in Marks and Spencer Food (although recollection that…
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Balance transfer from another card
Hi everyone I need advice on this procedure that i'd like to execute. I use amex,master cards cc that give avios points regularly but I pay it off each month. This time i'd like to use it to buy some holiday tickets(so I can still get avios points) and then use another cc to pay off my amex cc. I want to do this without…
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MBNA Money transfer
It would seem the new MBNA card is well set up for stoozing. 0% for 24months on money transfers with a 2.69% fee. That averages to a 1.35% fee per year so if the money were put in say a 5% interest current account. You'd pocket at least 2.5% interest (low rate taxpayer). Thats a free 250 quid per year if you were fortunate…
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Have I got this right?
[FONT="]Does this sound right? I have an MBNA card with no fee on money transfers. The credit limit is £2200 I want to transfer money into my current account from this CC. Then I want to do a balance transfer from a no fee 0% card ( I haven't got this card yet). 1 - Do I do the money transfer and then immediately do…
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closed account .. refunds
Hi, Just wondered if anyone could advise. I had a credit card which I have since closed. Amazon plan to give me a refund but will only refund my old credit card I used to make the purchase which is now closed. The card company aren't helpful. What are my rights? Many thank.
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Spending cashback and BT stooz
Ok, before I start here's a warning: If you are new to stoozing or a non-mathematician then the rule is you never spend on a card that you have transfered a balance to for stoozing. But I can't resist the idea of squeezing every last penny out of a card! Just applied for a Santander 123 credit card for stoozing. Transfered…
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warning about multiple transfers after card activation
Just a heads up because the chap at Tesco said this has been happening to a few people. I applied for the Tesco 0% 34 months card, which was a great deal. Got a credit limit of £5100 As part of the online application , you can put in the details of any transfers you want to do , so I did 3 at £2800, £1100 and £300. Logging…
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credit card repayment
Hello... em facing skme financial difficulties n not able to make monthly payments.. hav prepard financial statment however american express is not accepting it as they wanted me to includs my patner income n expenditure details as well. I do not want his details to be include... as both of us deal e our own seprate…
