-
0% Question
I'm not really a newbie but have only ONE credit card with a balance of less than £1000 and no other debts (no overdraft, no store cards, no other credit cards). I'm buying a new second hand car tomorrow (£3500) and not sure whether it would be a good idea to pay by cc and then transfer the balance to a new 0% cc, OR to…
-
Credit card help please
Hi, I have never had a credit card before but want to clear my £2800 overdraft as I am getting £50 charges a month(I can pay back £100 a month). I heard that some credit cards can put money in your account for 0% interest for a certain amount of time. Would anyone know the best one to apply for please? Thanks.
-
Question About Stoozing
I cant get my head around how you actually make money out of it. The best fixed rate account is 2.05% The best rate balance credit card is 2.99% fee. So surely all the money you make at the end of the year is wasted when you balance transfer onto the next card. Please could someone correct me if im missing something.…
-
Amazon Mastercard Closed - Now what? MBNA Rewards, AMEX or Nectar?
Hello all, I currently use an Amazon Mastercard which is soon to be converted to a regular MBNA card due to their association with coming to an end. I used the Amazon card for most of my purchases as I shop on Amazon a lot. I also have an (old) Amex Platinum Cashback Card which has no monthly fee but a cash back rate of…
-
Increasing credit limit
Deleted - moved to different sub-forum
-
1.9% money transfer cash to AC offer from Barclaycard
I just got an offer from Barclaycard - Transfer cash to current account - 0% interest until Feb 2015 - 1.9% fee applies - My limit is only £3000 (unfortunately) - I currently still have a container in 3% interest current account. - Presumably 0.5% net profit interest for about four months (0.333 year) Suppose I transfer…
-
Contract termination due to long term ill health
Hi, I've been employed for 11 years 3 months. Unfortunately I have been on long term sick for almost 6 years. I've attended numerous medicals arranged through work which have all supported my consultant and GP diagnoses. I was eventually called in for a meeting today with HR for my first meeting in over 4 years of face to…
-
halifax clarity card
Hi, does anyone else use this card. I got one last year for our trip and was pleased with the rates I got and no charges. However I have used it this month in spain to pay for car hire and my statement has just come through. The only info the statement shows is the uk charge in pounds, it does not show the charge in euro…
-
Is it worth stoozing when on Child/Working tax credits?
Hi, I understand the concept of stoozing and am more than willing to give it a go but I was wondering how much the extra income would affect your tax credit payments. as all interest unless its an ISA (which all have rubbish interest rates compared to the current accounts on offer). Surely the benefit will be greatly…
-
Balance transfer classed as cash advance
Hi, Can I do a balance transfer to a card with zero balance so that i take advantage of the my 0% on balance transfer period and have a credit on my second card by the amount of the balance transfer? I could then use this credit for purchases.
-
Excessive card charges
Hi Can anyone tell me if they were able to claim back excessive charges for cash withdrawal. Stupidly enough I withdrew £50 in an emergency one day and because I could ever clear the balance in total I paid back £687.88 interest for £50!! This was on top of all other interest. I was never eligible for a loan from Halifax…
-
Halifax 0% fee refund
Just had an offer of 15 months from an old Halifax card - fee is 3% but half of that is refunded after 30 days which really makes it quite tempting, especially as another card balance 0% is coming to an end - but am I missing a trick with the refund? Shame they can't just charge 1.5%
-
American Express Gold, vs an Airline card
Hi all, New to this, so bare with me. My job involves 5-6 long haul flights a year. I have become used to business class, and cannot contemplate flying economy long haul when going on holiday. So given I travel a lot and will therefore spend a lot: 1. I can benefit from cards that offer higher rewards for foreign…
-
Is Stoozing Worthwhile?
Hi All, I've read through most of the artciles on here and I have to ask if this process is worthwhile? What returns are people making and is a lot of effort being required? From what I understand it's a lot of switching etc for very little in return and if you get it wrong the penalty will account for more than any gains…
-
Ada credit cards
Hi can someone please advise me, is it right that after paying my mind payment on a asda credit card, that 2 days later I get a state mental saying default and gone over drawn because asda took and applied iintrest 2 3days after I payed my bill, and the amount I payed left my account in credit I payed what my bill said to,…
-
pre paid credit cards
I am travelling to the USA in September and have been looking at the Ice pre paid card which looks too good to be true - with no obvious charges. Do you know if this card is as good as it seems?
-
Please help purchase or balance transfer
I have to pay course fees to my old employer (which is a local authority) as I have left employment within 2 years of finishing my course. I was thinking of getting a 0% credit card for a period of time but I am unsure if it would be classed as a purchase or balance transfer? I would welcome any advice. Thanks
-
Got a parking charges from ukpc! Help pls
Pls help what to do got parking charge for parking over the time limit of two hours. Got my reg name and parking time on it. Tkmax burnley. Help pls my dad ll kill me. :cry:
-
Lost Balance Transfer Fee
I have a credit card which has a balance transfer, I have another card which I am actively using. I paid for a holiday on my active one however the transaction failed, I then had a call from the bank checking it was me as the amount was around £3,000. I confirmed it was. I tried to pay again however was still refused even…
-
Credit Card Balance Transfer Calculator
I've created a spread sheet which will calculate the profit you could make from transferring a balance to a 0% interest credit card. It's a bit more advanced than Martin's tool as it takes into account minimum payments and the balance transfer fee. You can find it here: docs.google.com/file/d/0BwPJX3voKe5CTXZzLVR4OW04Z3M/…
