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Balance Transfer Basic Question
Hi, I've just got my first credit card so I'm new to this and have a basic question. What exactly is a balance transfer? And why is it a good thing? I can see the reason for it if you are paying a high rate of interest on an existing cc and want to do a balance transfer to a cheaper one. Say, if you're stoozing though, so…
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0% Santander Credit Card
I have £800 left to pay on this card and the 0% runs out In March. I also have a Tesco Card with 0% on purchases for 19 months owing £1000 I would like to put them together on one card. Does anyone know a good deal as I don't think Tesco will allow me to transfer the £800 onto theirs. It would make things simpler to pay…
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Stoozing Query
Hello All, I have a quick question to ask in relation to Stoozing. I am completlely new to the concept, however I have read the MSE article on it and don't some general research. My question is this, Martin Lewis advises to put all current spends onto a 0% interest credit card, however if such a card was taken out is it…
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Cc disaster
Hello all first post... I've been somewhat of :mad:a bury the head in sand type as far as money and want to share something here. I got a letter from Santander saying my credit card was over the balance. In fact 5k worth. I phoned to check they said mistake ignore letter and I was relieved for all of 5secs. He meant they…
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123 Rotating Credit Facility?
Just got the 123 CC with 23 months balance transfer, which seems to be for the life of the offer, ie no 'must be transferred within xx days of opening'. Does this mean that the card can be topped up with balance transfers from other cards that have this time limit and the credit limit re-sets itself for subsequent stooze…
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flight delay
In july 2007 I was delayed on a Thomson flight for 25hrs .But I don't have any flight details ,how can I find the details.
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Santander 123 in-credit tolerance?
I was offered a Barclaycard on my Barclays account log in, despite already having only just taken one out a few months ago. I was accepted today. At a £7.2k balance transfer limit I'll struggle to transfer an average 123 spend of £2k per month in the 60 days allowed for such. I've had up to £500 in-credit before with no…
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stoozing site
anyone else struggling to login? it is saying my username/password is incorrect:undecided
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Can I pay a out standing loan with a credit card?
Had a loan of £7500 over 3years I'm about 18months in. out standing is about £3500ish not phoned for settlement fee yet the rate is only 5% I'm sure they will charge me a months interest... But just wondering if it pos to put this debt on a 0% card 12-24months fee free or a small fee. I understand that I could do cash…
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Santander credit card query
I currently hVe a santander credit card with the 123 account , I've only had this since October this year , they've just brought out another santander 123 credit card with 23 months 0% on balance transfers. , would I be able to also apply for this card although injsbe one but on the account but that's only for purchases
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Can a credit card make a payment automatically, i.e. like a direct debit?
Hi I want to use a credit card to pay my council tax every month. Can I set it up to do this automatically or have I got to remember every month? Thanks Sally
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Liquidators/ credit cards
Hi . A sewing class I had paid for in advance has gone into liquidation. I paid £100 on my credit card and have started the process to claim it back , but I have been told by a friend that the liqidators can take the money off me and put it into the company's assets. Does anyone know if this is right please . If so is it…
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credit cards
Icant seem to get a credit card although i am totally upfront in my applications about my financial situation and bad credit score. I :was wondering if anybody could advice me how to rebuild my credit I have learnt from my previous mistakes and would like somebody to have enough faith in me to give me a credit card. I…
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How much free credit have you got?
Just wondering how much O% credit people have managed to accrue. I hadn't really worked it out until recently but we (my wife and I) have £55000 on 0% purchases and £15000 on balance transfers. (2% and 2.69% fee). This offsets my mortgage and funds various savings accounts. Would be interesting to know how far banks would…
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American Express extra cashback offers
Not sure if everyone is offered this but American Express is offering me extra cashback deals for certain purchases - if you have one of their cards it could be worth checking your account; I can see £5 cashback on a £25 spend at Bella Italia, £10 off £100 at Costco, £100 off £699 at Dell,£10 cashback if I spend £50 in…
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123-REG Insecure email Passwords
I have a 123-reg account with email and website. I became aware over a number of calls to them over the past few days that 123-reg operators can see customers passwords in full! They say this is only the email account passwords, however, as most people use either the same/similar passwords or password system (for…
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Credit reference Search???
I clicked on the home page "Credit Card Eligibility Checker" and within a minute I have a search result for Money Saving Expert on my Experian Credit report????? I havent even applied for any cards or filled in an application form even though it states on the web page that it would be added to my credit referance!…
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super balance transfer (SBT) card?
Are there any of these left? I had the old Egg card many years ago and could use that to transfer a positive balance to my current account with no fee. There must be a card still available which allows this?
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Slow stoozing - next steps
Hi, I have an offset mortgage and have been slow stoozing for the last few months on a Santander card. I am now approaching the credit limit of the card (have DD set up for minimum) and have the full balance in one of my offset aaccounts. There is over 12 months til end of 0% and I decide next steps - pay off /BT Am…
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curious as to how much im actually saving
Hi all, managed to get my first 0% for 19 months and just curiousas to how much im actually saving while earning 3% interest in the 123 acc not paying off the balance on the CC. will be spending £600 on a new PC this month, along with my outgoings of £250-300 per month until i max the card out all will be put onto this…
