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Confused...??
Hi all, I have a CC limit of £3900 and a next a/c with £900....(i use the cc to pay the next a/c....giving those extra days...) I pay my cc in full every month....so is there any point in moving my Santader cc....should I open a 0% transfer account and use my current CC.... confused .... xXx
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Advice for an amateur
Have a balance of £3,900 on Tesco CC due to finish 16th Sept. I have offers of BT to MBNA 0% until 20/8/2013 @3.5% charge Barclaycard 0% until 13/5/2013 @ 2.9% charge Any advice which to go for? Thanks
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long time existed on credit
I built up my credit on credit cards to reach nearly the 2000 pound mark then finished them off and closed them. Now I need some credit again only to find after a couple of years im offered a poultry 400£ ???? Wot append?????:(
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Paypal refund?
I bought a voucher through paypal, more than 45 days ago, the company has ceased trading and I can't use my voucher. Has anybody had any success reclaiming through Paypal or should I try my credit card ?
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How to get rid of a large overdraft
Hi, I've never posted before. I just wanted some advice on how to go about getting rid of a £4000 overdraft. We have a poor credit rating due to missing loan repayments and having an interest only mortgage just now. Can't get and don't really want anymore credit. Every month we are going over the £4000 and are getting…
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Any Cash back with that?
Just a quick question. I am using a Purchase card to stooze. I was wondering when cashiers at shops ask you if you would like any cash back with your purchase, does this go as a cash advance (like taking it from a ATM) or does it just go ontop of you purchase price so I still get the 0% interest for stoozing? Many thanks…
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Balance transfer and min payments
I want to make use of a 0% BT offer but only have a small balance of £500 to transfer at the moment. The 0% on purchases ends after 3 months. After that, I guess I would be charged interest immediately on any purchases. To keep the balance at £500 but not pay interest, is it worthwhile to buy something for £6 every month…
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Student Lodgers insurance
Hi there, Hi, I've just bought a place which will have two of my friends living in there with me for the next few years. Is it possible for me to get contents insurance for student lodgers as most insurance companies i have spoke to have been so difficult with the fact that they are students and i live there too. any…
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Capital one credit increase
Hi i have a credit card with capital one where they gave me a 500 limit.i have had it for 3 months and used it and payed off monthly.i have asked them about a credit increase and they replied saying that they review accounts and will let people know if they are eligible for increases.anyone else had any experiences with…
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New mule method - sucessfully done
in a nut shell: transfer money at balance transfer rates to another credit card that has no balance, putting it in credit. Get the credit refunded to your bank account. Successful done from Barclaycard to bank account via MBNA card. long version: I been trying to figure out how to use my credit cards to get the cheapest 0%…
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Paying council tax with credit card.
Hello all, I'm "slow stoozing" with my natwest your points credit card, which ofcourse involves trying to put most spending on it (apart from companies who gives dicounts for DD, mortgage payment, etc, etc). The council tax is one such monthly payment whch doesn't give any benefits/discounts paying it via DD. First off is…
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stoozing well but the credit limit will soon be reached
hello all I’m using a Tesco credit card to stooze, with a first direct regular saver and a issue 1 flexclusive Isa (best interest rates possible: D) I started this in April/may with a 2000 limit; the credit I have left right now is 680. It’s going to run out. Do i: A) Apply for another 0% card, i think might be rejected…
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Cashback and free purchases abroad
I have the Sainsburys gold CC for free purchases and cash withdraws while on holiday. I intend to get married abroad and will be paying for alot of stuff on card so I thought hey get myself a cashback card and earn some money back, wedding discount if you like. My questions is, what would be the best card for cashback…
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Barclaycard - Half BT fees. To wait or snap up?
Hi all, I'm pretty new to credit cards and BT, so basic advice welcome. I've got around £4k on a Capital One card which is at 0% until October 2012. I also have a savings account with the same amount in - so affordability isn't an issue here. My credit record is also good and I meet all the criteria for what I want to do.…
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Turn poor credit rating to good
I went through a messy divorce and was left with a lot of debt and I had to go to a debt management company.i have four yrs left with this plan although I'm going to pay debt in full in six months. Will this improve credit rating? How long until I can get a mortgage ? What is a good credit score? All help appreciated
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New thing, Super Stooze, but is it worth it??
Got the opportunity to do a "Super Stooze" Just wandering if its worth the hassle? Got interest only mortgage of £26k, should have been paid last april but BS have extended term for another year. Its at 2.5% variable. Did have a complicated plan to repay but due to a recent windfall, now have cash available. Should I pay…
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Cancel/ replace a new-ish credit card
Hi all, I'd really appreciate some advice regarding a card I applied for in May. We got ourselves a Barclaycard for the 0% for 22 months balance transfer offer. We had a small balance on our current card, but unfortunately we had to pay quite an expensive bill for a physiotherapy programme. We figured that instead of…
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Cash back v John Lewis points
Im new to all this. I shop in waitrose, though that may have to change! I only have a friendship card and use it for everything and pay off in full, then use the points for food. I can't work out if the points are better value than cash back. Chrispy10
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Pay of M&S before applpying for new 0%?
How do I ensure I'll get he max credit level on a new card: My 0% period on my M&S card is coming to an end soon (with 4k of spend/credit on it) The question is - should I pay off the £4 owed to M&S before I go and apply for the new card? I am looking for the maximum credit level for the new Amex card obviusly. Many thanks…
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H p
Can any1 help I have a car on hp and I need to get shoot of it Iv have it for 5 years and still O for another 4 years . Shall I just stop paying for it .dont no wot to do about it :(
