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Lloyd's Duo credit card with Avios rewards
:mad: I applied for the Duo cards under the 15000 points bonus on the AMEX card. As the qualifying dates & start date we're not clear I called Lloyd's. The guy told me that due to the multitude of start dates what they did was to calculate the AVERAGE spend over the first 3 months. In the first 3 months I spent around…
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Lloyd's Avios rewards
:mad: I applied for the Duo cards under the 15000 points bonus on the AMEX card. As the qualifying dates & start date we're not clear I called Lloyd's. The guy told me that due to the multitude of start dates what they did was to calculate the AVERAGE spend over the first 3 months. In the first 3 months I spent around…
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Cash advance then transfer balance?
This may be an obvious question but want to double check. I want to purchase something with a credit card but it needs to be purchased with cash (personal training sessions). Could I withdraw the cash from my CC (with the associated charge etc) and then transfer that balance to a 0% balance transfer CC in order to avoid…
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Switch Credit Card Debt
We have 3 credit cards but one is very high and we are paying a lot of interest. We have tried transferring to a 0% interest but it is saying we cannot do this. Please can you tell me why, we have never defaulted on any payments and always paid more than the minimum amount. It would help us so much if we could transfer the…
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Stoozing: Free Cash from Credit Cards Board Sticky
Hi folks :) This is the new Stoozing: Free Cash from Credit Cards Board Sticky where links to all current important threads will be kept. Links: Stoozing: Make Free Cash from Credit Cards article discussion Stoozing Calculator
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ppi information
how can i find out if i have paid any ppi on old credit cards or loans that i have no longer got any details of the loan date and the amount that was taken out , can anyone help please
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credit card interest
I'm getting threats from my bank to pass my credit card debt to Triton. My question is if I follow that route would they freeze the interest, anyone any advice whether I should stick with my bank and pay interest only until times get better if they ever do, not much hope there, or doing go with the debt collectors? Help....
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Balance transfer, or pay off card with investments?
I wish to stooze and put the money into HL funds, which I can sell anytime and have in my bank account within a week. Would it be entirely practicable to, when the 0% period expires to sell the investments, pay off the card, and begin again with the next card? The object here would be to avoid the balance transfer fee.
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Esta
Hi, can anyone help me please? I don't know if I've come onto the right page or not. I have ordered an ESTA (visa waiver form) and the charge shold have been $14 but it has come up as showing €59. I have been in touch with my credit card company and they have said that it has nothing to do with them unless I don't receive…
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Need a little help
Hi I owe £3900 on my baclaycard I'm thinking of transferring £1900 over to a 29 month zero interest ( that's all they will let me transfer Tesco card )and get rid of the balance on my baclaycard by hammering it also how much do you reckon Tesco will take of me monthly. And lastly is it worth doing, Many thanks for any…
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Just a quick one - tesco credit card
I am on tesco credit card, 0% on purchases for 16months I am just wondering, if I buy fuel/petrol say I top up 20.00, is this classed as a 'purchase'?? Also if I were to pay for example a phone bill, would this be a purchase or a transfer or what? I've never had a cc before haha :rotfl: Thank you
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Is stoozing and credit rating building mutually exclusive?
I'm building a good credit file. I was in an overdraft for 3 years straight; I've had no defaults for two years now and had credit cards for one year. Credit rating (although unauthoritive): 793. That is my first priority. Money-making comes second. I have two credit cards, total limit of £4,300. If I stooze at less than…
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Credit rating 'improving' credit cards
I have recently finished paying off my 3 year obligations to the appointed receiver having been made bankrupt back in 2010. I have a secure and well paid job. I wanted to improve my credit rating so I subscribed to Experian to see what the situation was and to my surprise my credit rating was 'Fair'. They pointed me…
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How much to keep
Hi, I have a 'good' credit rating according to Experian but I want to try to improve it. I have a credit card with a limit of 11 grand but only have 600 spent on it. Is this bad for my rating? Should I reduce the limit available? Thanks to anyone who can help :)
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Bad credit score
I had an excellent credit score but suddenly find that my score has dropped therefore i can no longer get the balance transfer deals that are on the market. Now I am having to pay the standard interest fees. Is this because I keep switching from deal to deal to get the interest free options?
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Money transfer to current account - will it show up on credit check
Hi, I need to get my hands on about £12K for a few days, but I don't want to show up on a credit check (I want to pay for my stamp duty on a house purchase, as money from family will take a few weeks to filter through, and I don't want the mortgage company's credit check on the day of completion to find this out) - will…
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How much should I keep?
Hi, I have a 'good' credit rating according to Experian but I want to try to improve it. I have a credit card with only 600 spent on it but it has a limit of 11,000. Should I keep this available credit or reduce my limit? Thanks to anyone who can advise :)
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My "Stoozing" Success!
Hello All, So, over the past two years, I have been "Stoozing". I had a few reasons for doing this. 1) I had never had a credit card, and had heard that having one would improve my credit rating. 2) I fancied seeing if I could make a bit of extra cash. 3) I've always enjoyed having cards in my purse - loyalty cards, bank…
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Girlfriends finances
Hi people. I'm just wanting some advice and possibly help regarding my better halves financially situation. At present she is having to live the super scrimping lifestyle and was wondering if there was anyway she could make things a little easier by organising her finances better. Her current state of affairs are: 2500k on…
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Buying a car from overseas on credit card for protection?
Ive been looking for a used car for a while and came across the ideal car. When contacting the seller he explained he moved to Norway from the UK and needs to sell the car. Imediatly I thought this was a scam. He sent me many pictures of the car including the experian car check report with the chassis number on etc. My…
