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credit card query
Apologies if this has been answered elsewhere on this forum but basically I would like to know this... if you have a credit card you no longer use (which I have), is it better to close the account down? As I seem to recall reading somewhere that it can make an impact on your credit report, but I'm not sure if that is…
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Virgin mastercard as mule?
Hi, Can you use a Virgin mastercard as a "mule" I've got a new 12 months offer from LLoydsTSB but have a 0% balance on it for half my credit limit which is due to expire next week. If I use the 0% offer to transfer to my Virgin mastercard to give me a positive balance and then transfer into my current account so I can pay…
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Balance transfer from someone else's cc?
Mr T has been offered barclaycard 20 months interest fee with 1.9% fee. He doesn't do stoozing but I do and already have a barclaycard with 0% till april 2014. I also have a m&s cc stooze coming to and end in May which is perfect timing as the offer to dh is open till 5th May. My question is will an application on his…
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Best business accounts.
Hi all. I have been selling items on ebay lately and making a fair bit of money on there, I have been thinking about setting up a business account with my bank HSBC but I'd like more options as I'm not sure if my bank are the best for business accounts. Any advice will be most greatfull.
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Barclaycard World question
I know there are always questions about the Barclaycard World account, but this is a slightly different question :) I have a £4.5k balance on my Barclaycard account, and a £5.5k limit. This is currently interest free until Jan 2014. I have a Virgin card and have been told I can transfer £10k. I want to transfer this…
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Order of payments question (Barclaycard)
Need to pick brains: I've got a Barclaycard with an existing balance at 0% LOB (and no conditional spend) making minimum payment. In principle will never pay interest. BUT Have applied for 'upgrade' to 2% Cashback Barclaycard. If I want to retain the balance transfer but also make qualifying purchases with the card too,…
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Help!!full monty on t-mobile
Hi,missed out on the offer which was £16 pounds a month for unlimited everything and was wondering if anyone knew how I could get one,or if they will be offering any similar deals on this tariff in the future or if the price will just increase. Thanks
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Credit card deposit help needed
Hi can any one help, been to Spain for two weeks had car hire but did not take out insurance for tyres. Now had a puncture on way back to car hire place didn't have time to get it fixed so the car hire place told me that I will not get my deposit back which is fair enough to take some but a full 300 euros is excessive…
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what to do with this SBT
Hi, I asked for 15K SBT when I applied for and got accepted by MBNA card. Even before I get my card by post I get an email telling me my 15K request is being processed. I have only done BTs before through the good old egg money and there once the account is set up I log in and then request the transfers. I thought SBT…
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Credit card balance transfer
Hello I have 2 Credit cards, one from OPUS and one from HBOS.I have 6k of debt on HBOS and 2k of debt on OPUS. Their APRs r really high with OPUS just deciding to hike it up even when i paid on time!! Anyway, I have automatically received a credit limit increase from HBOS to 10.9k. They have also given me a Balance…
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Aqua credit card
Hi , after being refused for lots of different cards i now have just received a aqua cashback credit card with a hideious 34 percent int rate , anyway i thouhght if i never ever use it for more than say 20 a month and always pay it traight off will it help build my credit score up as with those rates i no its a dodgy card…
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Barclaycard initial
Hi all, new to the forum and my question relates to the above card. I've gone through the soft check service they offer for this card and cam back saying I had an 70/80 per cent chance of being succesful, so I applied and it came back saying I would get a decision in 5 days. Can anyone tell me what the chances are of me…
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Credit cards: the answer to all your financial problems?
What do the financially-enlightened folk here on the MSE forums reckon to this article? Oh, apparently "as a new user" I'm not allowed to post with links. Never mind - hope you can still find it... It's the top story on Ashbourne People.co.uk Credit cards can be great, and especially if you're organised and good at…
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Fed up stoozing
Starting to find it more difficult to save money doing this anymore. Mortgage at 3.5% for next few years also as 5.99% deal ended, have done MDNA,Virgin, Barclaycard, could go back to Tesco but they gave me a rubbish limit last time. I think the days of stoozing are over, any thoughts?
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Capital One work part time
Beware - I took out a Capital One card for the cash back and the first large purchase on Saturday morning got my card declined. The people who can reset the account only work Mon-Fri - that was lost cash back of £80 :mad:
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best card for earning virgin airmiles ?
i have a tesco clubcard credit card at the moment and i am going to transfer my vouchers into virgin airmiles under the lastest offer of 50% more miles for the vouchers ,what i want to know is would i get more miles staying with the tesco card and opt in to transfer my vouchers to virgin from now on or get the virgin…
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stoozing with 123 current account
Hi stoozers, I have been thinking of moving to this account anyway, and I have been looking into stoozing recently and 0% credit cards. If you have over £3000 in your current account you get 3% interest with this account .So if you used this account you'd get more interest than most ISA's and not have to have the pain of…
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Hate creation--help needed :(
Hi everyone, I have got quite a few creation credit card accounts Which I have been maintaining pretty well. When I called yesterday to find out some offers they said Their fraud and security team closed all my accounts. I was shocked to hear this and the reason they gave is Check my equifax. I called equifax and they said…
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Some advice needed please.. Stoozing newbie
Hi, just wondered if anyone can advise as I have been trying to do the whole stoozing thing and now my 0% is coming to an end I am a little unsure what to do... Here is my situation: CC debt: £3000 - Full payment due by March ISA: £5400 - Nationwide at i believe 3.10% (Only £4,377.14 paid in this year, original amount was…
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Few questions regarding card stoozing
I recently stumble across the subject of card stoozing, and wanted to ask some experts a few questions regarding the topic. I am in possession of two 0% card credit which offer long term interest free periods on balance transfers and purchases respectively. Each card has a limit of 800GBP and the idea is to withdraw the…
