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Santander credit card 'balance transfer' - not so simple
Hi - FYI really. I just took out the Santander Credit Card as I have a balance to transfer (I put an airline ticket on my existing card). It is unusual for me to have one, so thought I'd make use of the 0% offer. Most of my banking accounts are with Santander so they know my financial situation , however, when the card…
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PPI Claim & sick pay
I recently made a PPI claim to a credit card company. The account was opened in 1998. The company has contacted me by phone to ask me: Was I entitled to sick pay at the time, the length of time I was entitled to sick pay and how much. On the original PPI claim form I said I can't remember. They said if this is the case…
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My Slow Stooze Plan
Hi Stoozers, I just wanted to bounce my slow stooze plan off you as I am new to stoozing. I have been accepted for a Barclaycard Platinum 0% on Purchases for 14 months card via the Amazon offer (£20 Amazon Voucher + £20 credit to account after £1000 spend). Once the card arrives I am going to open a First Direct 8% Regular…
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Which to pay first?
I was recently gifted £5000 and would like to pay off my credit cards. I have 3. Barclaycard bal £4900, Natwest bal £2500 and Vanquis £2200. Barclaycard I pay about £129 pm, Vanquis £89 pm and Natwest £51 pm. I'm not sure who to pay off first. Something off all of them? Barclaycard in full? Vanquis & Natwest together? Any…
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commercial leases
Does anyone know who is responsible for paying to draw up a lease on a commercial property? It seems a bit much that the prospective tenant has to pay when it's the landlord who draws up the lease!
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Doing a advance BT
Dear all I wonder if i can do a BT from one to another CC,without having actual spent / debt on the cc2. Essentially the cc2 will be in credit which can be used to spend over the period . What happens if the cc2 is closed,then would the balance in credit be transferred to current account as it happens usually? The matter…
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(mods: please delete)
(posted in wrong forum, sorry)
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Question re best way to bridge
I have money tied up in fixed saving schemes that dont mature until March 14. I need about £11k now to buy a car. Is using a couple of intrest free credit cards the best way to bridge this gap. Got good credit history and can usually get about £6.5k credit limit. Blaxo
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Credit card charges
Let me start by saying, I always pay off my credit card on full, that was, until June. In May, I paid for a new kitchen using two credit cards. I transferred the money out of my ISA and paid Lloyds in full and on time. However, before leaving to go to France for a weeks motor sport, I couldn't place my Tesco Statement, so…
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What should I do with this BT offer?
Hi all, Have just been offered a 12 month 0% deal on my AA credit card, currently unused with a £7800 limit. It's a 4% fee, minimum £3. I've no interest bearing CC debts (have approx £12k on interest free, ends next September) — just the mortgage. I've never stoozed before, so would it be a good idea? If so, how can I make…
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Refund on Credit Card
Hi, Looking a bit of advice about credit card. I booked a hotel with my card and the amount was charged immediately to my card. Before I could take the stay something came up and I had to cancel. On checking the T&C's I could do this with no charge. I was expecting a refund to my card but it's been over a month now and…
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Is there a mule card currently?
Hi all, I searched but there seemed no such thread or recent comment on this... so, is there a card out there that can be used as a mule for stoozing? Thanks in advance
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Refund with out of date receipt
I have tried to return a dress to telco with a receipt which is a few days out of date. The dress was £25 but has been reduced to £15. They were only going to give me £15 refund. What are my rights? Thank you
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Which card to get
grateful for advice on when to time my credit card application. I have a (normal) Halifax credit card with £400 balance outstanding. I currently pay off the full balance every month as its used for day to day purchases and I wanted to build up my credit rating as I will be applying for a mortgage in September 2013. I am…
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Where do i go from vanquis!
Hey there!! Im thirty and for the past three years or so have been rebuilding my credit after a shocking amount of stupidity in my early. 20's. slap wrists .. After learning some very tough lessons im back on form and have now climbed from a 250 limit to a 3k limit on vanquis. Ive also been actively using a capital one…
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Credit card application, question confusion.
Hi I was wondering if any of you lovely people can give me some much needed advice. I've had a look at what credit cards I am likely to get with the eligibility tracker, as I need a 0% one to pay off my 30.8% interest card!!! Fluid came back saying they should e able to give me a 16 month 0% card. But as I started filling…
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Halifax Clarity - Money Transfer
Official MoneySavingExpert.com insert For full info on money transfers, see the main website's money transfer guide. Back to the original post... Received my latest statement recently, which came along with pre-warning of a few changes to the Ts & Cs. The one which caught my eye was that 'money transfers' will now be…
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egg money card
I have been slightly out of touch as i have had a long term 0% card for quite some time, but the time has now come to look for another card - just want to know if the Egg Money card cannot be used at all now for stoozing. If so, is the only way out SBT at 4%. And also then should I close my Egg Money card or retain it and…
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BT into current account
Hi do any of the current low fee cards let you transfer the money into a normal bank account rather than transfer a debt? I know I have done this in the past with an egg card where they gave me a whopping limit on 0% and let me transfer it all in to my VirginOne offset mortgage current account thingy. I paid the minimum…
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0% Credit Card to Stooze on Mortgage
Hi, Halifax do a credit card with £0 cash withdrawal fee. Tesco do one with a 0% balance transfer fee. If I (open an account with both and then) withdraw up to my limit on the Halifax card, can I then transfer the balance to my Tesco card, pay 0% interest for a year, and use the cash to make an overpayment on my mortgage?…
