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Egg Money Card (Accessing credit card cash cheaply)?
I am about to purchase a home where my mortgage will be slightly above 80%. I have a guaranteed bonus payable within 90 days of the purchase which if used will bring it below 80% and attract a lower rate. I note the Egg Money Card is no longer available – are there any other cards where you can transfer cash and have…
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Stooze Credit card ending - options? / Keep Premium bonds invested
I have been doing the credit card 0% purchasing stooze for over a year now with 4 different credit cards all at 0% purchases, and all will expire in a few months. The money has been saved in premium bonds. Total around £20,000 (Hoping for a big win !!:-) What are my options when the 0% is up? * Do I withdraw the cash from…
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Keep Barclaycard or close for new customer offer?
Currently snoozing £5.3k on Nationwide and Tesco 0% offers. My Barclaycard has a credit limit of £5k (unused) and they have sent me a BT offer. It started me thinking, am I best closing this account so I can later get a good intro offer (the current Intro offer is much better than that they send me) or keep it as a safe…
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Pay back time!!
I have four credit cards each with between £2k and £4k owing. Is it sensible to get a loan to consolidate them and then pay them off over a period of years?
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Please explain stoozing
I was reading through the article about stoozing on this website but I'm a bit confused about how it works; as always I need practical examples to understand how it works and hope someone can help me. What exactly does it mean when the article states that is 0% for 16 months? does this mean that for 16months I can spend on…
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stoozing - pay of minimum and add to balance
Hi all, I have always used credit cards and paid off in full, however, i now see the benefit of stoozing on a 0% card. We ordered new bedroom furniture and need to pay the balance soon. Money to pay for this in ofset savings acc. I have just applied for tesco CC and accepted so intend to pay for all on that and draw just…
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investing
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Use money transfer to pay off same credit card?
Official MoneySavingExpert.com insert For full info on money transfers, see the main website's money transfer guide. Back to the original post... Hi, I've been offered 0% on money transfers to my current account until December 2013-so i was thinking that currently i'm paying interest on my credit card purchases so could i…
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Tesco Travellers Cheques?
Has anyone any experience of stoozing travellers cheques from Tesco? Would it work in the same way as the M&S scheme operates? Sorry if its an obvious question but I'm quite new to this and finding my feet. Thank you.
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credit card taken out in my name by ex-partner advice needed
My ex-partner took out a credit card in my name, used it and ran up a bill of £4000 I only discovered this after we seperated,I know have to repay this debt that I have been left with, ive apporached my local constabulary they took a statement from me and I provided evidence as to the usage of the card whilst I was at…
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Late charges
im not sure if this is the right place. basically i have a halifax credit card i have paid alot of late payment charges on this account 12 pounds everytime (late payment fees, etc). i also have a few catalogue accounts aswell (kandco, very, gratten) which late fees have been added too. i would like to claim all the…
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Barclaycard has a sense of humour
Email just received: As this email appears to be a circular letter, I would guess a few other people have been getting this too.. *June, July, August, September, October, November, December and January FYI
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credit card cashback simple question?
quick and simple.. when is the cashback awarded? is it straight away after purchase? or does the card have to be credited for some time (if yes how long?) let's say I have 500 pound limit on my card and can get 3% cashback does that mean my limit is 15 pound a month? or can I maximise it by paying it off let say every week…
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Credit report: I don't want to leave too many footprints
I'm interested in getting a 0% credit card, for the purpose of stoozing. My credit rating has had tiny bit of bashing (victim of ID fraud, equals varies credit searches and credit accounts opened) which I am in the process of sorting out. I'm not in any form of debt, I have savings, and I rarely go into my overdraft, that…
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Stoozing Newbie
Apologies if I'm over simplifying here, but I'd like to take advantage of my "good name" in CRA terms to take advantage of a 0% on purchases credit card, for example the Tesco card. http://www.tescobank.com/personal/finance/finance/creditcards/clubcc/index.html?cmpid=aggregator/moneysupermarket/creditcard/clubcard I would…
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Tesco Credit Card - Repeat Deals?
The 0% period on my Tesco credit card recently expired and I paid it off in full. I am considering closing the card, but wondered if anyone has experience of Tesco offering any decent repeat deals?
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Advice on keeping/closing cards
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The usage of your available credit indicates a higher risk
After closing virgin money account, I received a negative indicator on my credit report: "The usage of your available credit indicates a higher risk" I thought closing an unused account might have a positive impact and allow me to get more credit. But it has back fired. Has anyone else experienced this? What ratio of debt…
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Buying $1 bills
Apologies before I start re posting this here but I cant find any appropriate forum !. For an upcoming holiday cruise I need to take cash for tips. I normally buy my holiday money on line from wherever MoneySavingExpert suggests is the best deal but I cant order specific denominations, I have to have what they send. Can…
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Time to balance transfer, not sure if it's even worth it
I'm fairly new to the stooze party and haven't played it "properly" yet. In the last couple of years I have used two 0% cards (CapitalOne first then Tesco) for purchases, put the equivalent cash into an ISA for the interest, then paid the cards off in full when their 0% interest periods come to an end after 12-18 months.…
