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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.…
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Close Accounts or not?
Hi One of my Credit Card has come to the end, have paid off balance from stooze pot. Now the question, should i close this account? Or leave it open with a reduced credit limit? Cheers
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Advice credit card debt
I've been paying off two credit cards each month now through a management plan I set up. Id like to pay these off, I have some cash but it isn't quite enough to cover both, can I ask the companies to reduce the amount o owe to clear the debts?can
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stoozing have i done a stupid thing ?
Hi i am starting my stoozing jouney,, so i can save intrest on my morgage, any way i appied for my 1st credit card in a while and then 2 days later appied for my 2nd. !st one said i was excepted and to wait 10 working days to check the information was correct (nationwise ) 2 days later just appied for( halifax) one and…
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Credit report
I had an Asda mastercard till they swapped Santander for a different bank and when I applied for new card I was turned down because I didn't meet the credit criteria. Sent for my report (which is not easy to understand) from Equifax and there is, as far as I can make out, nothing bad on it, just online enquiries re car…
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comet
i was wondering if anyone could help me. i bought a laptop from comet 6 months ago and took out the insurance for accidental damage. on the friday before they went into administration my daughter broke the hinge on my laptop thinking it was ok i sent it off to be fixed with comet that was 2 and a half weeks ago i have not…
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First time stoozer - need advice please...
I've got an MBNA card and have just received an offer of 13 months 0% (with 3% fee) for transfers into a bank account. Not sure whether this is a good thing to do. Firstly, and the big issue for me, is will using this offer be shown as a cash advance on my credit file? If it is then surely this would be seen as a really…
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Cards accepting credit balances?
Hi all Used to do lots of stoozing during the credit binge ... extraordinary times ... but since '08 things went very quiet. Have now been offered the latest Barclaycard deal (22 months/1.45% fee) which I thought, great ... off we go again. However, I always used to do the first Balance Transfer onto an Egg Money card, and…
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Stoozing Guide Line
I only used credit cards if I can pay back in full monthly but do take advantage of new cash back offers that come available and I currently have three cards on the go. When the bonus cash back dates end is it better (for my credit history) to close the account or just keep the cards and don't use them? Any advice…
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Tesco CC & Travellers Cheques
Hi All I was wondering if anyone has used travellers cheques to snooze from the Tesco Clubcard Credit Card. If I have read it correctly you can use your card to create a purchase on tesco travel money. Sterling Travellers Cheques have a 1.25% commission. Whilst it is treated as a purchase it is deducted from your Cash…
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Santander international transfer fees...
Santander told me that they could tell me what the fee asked by the intermediary bank dealing with my international money transfer, would be for an amount given. Neither could they tell which bank it would be in fact they were asking me to accept to do the transfer 'blind' in relation to this 'middle-man' fee. It seems…
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credit confusion?
Recently I have found myself in something of a quandary....a month ago I was informed that my interest free current account would become decidedly not interest free in the not too distant future. Somewhat panicked I hastily logged on to MSE & sought out the best deal on balance transfers (ended up with a Barclaycard).…
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Using credit card to pay nursery bond/deposit
Hi all I am about to reserve my child a place at a local nursery. They require a bond (refundable) and deposit (non-refundable) to be paid to reserve the place. I have been told I can pay by credit card. I am about to receive the capital one aspire world card, so was wondering if I could use this to get 5% CB - i.e. would…
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Howto get cash out of CC for stooze
I used to stooze years ago when the idea first came up (back in the day when there was no balance transfer fees). I since closed my Egg Money credit card when they moved over to Barclaycard. I have a new Lloyds TSB Platinum CC 0% offer to use for stooze. It will be just less than £4k. I have 1 month to make the transfer. I…
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Taking Card Payments without Swipe Machine
Hi, OH has a small business and doesn't have a Credit Card swipe machine. He now has a client who owes him some money but wants to pay with a credit card. Potential for more business so OH doesn't want to appear awkward by insisting on cheque or cash. Have read about several companies that other apps to allow you to take…
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Ppi
Hi, I applied for PPI through the bank directly. I provided all my details; previous addresses etc and they said they cannot allocate my details. I then applied for a subsequent access request and sent my cheque along will every address I had and my d.o.b, they returned my cheque stating I didn't provide enough info again…
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Credit card transfers and credit card stress
It is my goal to pay off £6,000 of credit card debt ove the next three years and need to stop purchasing clothing on line! wish me luck. Much self control needed!
