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Direct Debits and Standing Orders
Can i set up a standing order alongside a direct debit? or is it one or the other?
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Vanquis "minimum payment" doesnt include charges
I wold like a little help with this please. I have a Direct Debit set up to collect the minimum payment from my Vanquis card, which it does each month without fail. Unfortunately I went over my limit and was charged £12. No problemI thought as I had the DD set up to collect minimum payment. But not according to Vanquis who…
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Halifax clarity card
Hi I applied for the Halifax clarity credit card after it was rec by Martin as one of the best credit card for travel. However despite being home owner, good credit rating and steady income I didn't get the advertised 12.9% apr but a much higher interest rate. Has anyone received the low apr? Also when I tried to call them…
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Price Protection Credit Card
Hi, anyone know if there's such a thing as a price protection credit card on the market these days? So if I bought something at £100 and it was reduced to £70 in the sale, I could claim back the difference? I remember having one of these cards a few years back.:p
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Transfers to bank a/c
In the good old days I used to transfer balances to my bank account via my Egg card, but the last time I tried I was interrogated and got the impression I would have trouble trying it again. Does anyone have recent experience with their Barclaycard/Egg card? Are there any other cards that permit transfers to a bank a/c.…
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balance transfars
why can i nt get a transfer frm a tesco credit card ,no missed payments an pay over the monthly amount yet no credit card company will accept a transfer .is it because tescos is rbs
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Junior ISA
I have today opened a Junior ISA for my daughter. I have received conflicting views on the Junior ISA from the Halifax Building Society from different staff!!! I just wondered whether you can transfer a Junior ISA like you can an adult one? When I telephoned the Halifax, one member said that I could transfer, but when I…
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Info on credit cards
Hi at present i dont have any type of credit card and never have,but was wondering that sometimes it may be useful for some months where i require an extra £100 until payday comes,at most over a week. i dont know how they work or chrges etc,i know that if you pay your outstanding balance off quick,over time it will give…
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interest free card
my husband had a 12months interest free card which is now paid off though the account is still 'open' I had the second card but I wasn't the account holder. Can I apply for a card with the same company and get the interest free deal or will they not allow this, i think we may have missed a trick initially by us not just…
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Best card
Hi All I'm looking for some advice regarding shifting debt to a credit card. I've currently got with Nat West: 1) a credit card with approx £700 balance 2) an account with approx £1500 overdraft Is there a credit card I could transfer the existing card balance and get a cash advance for, and then pay just 0% for a…
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GMAC - Car Finance.
Hi, Im sorry if this is a question that has been answered in different threads, or if the answer can be found in the stoozing articles, but i require a direct answer. I have around £5k debt with GMAC, the car finance company. I stupidly took out the policy over 60 months in 2010 and i wish to pay it off before me and my…
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Balance Transfer Card
Hey guys, just been accepted for a virgin balance transfer card and the limit is much more that I require. I see that other have transferred the funds to thier bank and earned some free money by way of interest. Would, but with a fee of 3% is this really worth it? Where can one stash the cash with instant access for and…
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Nationwide Select - 18 months 0%
Hi, You may have seen an earlier stoozing thread indicating that I'm hoping to slow stooze on credit cards and transfer money to my mortgage account: https://forums.moneysavingexpert.com/discussion/3435903 On 18th January Nationwide launched their Select credit card which gives 18 months @ 0% on purchases:…
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New to stoozing
I have read up a bit on stoozing and was wondering if you could give me some advice. I would like to get into this and would go down the route of purchasing things on a card and let my savings build up in a higher interest savings account rather than transferring the money into a savings account. The only thing is, I…
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Before I commit to a stooze....
Hi All, I was looking for a bit of advice before I make a stooze. I've just had an accepted application for the Virgin credit card which allows money transfers into current accounts - £5k credit limit for 20 months for 0%. This will cost 4% fee (£180) So I'll be borrowing £5,180 until Nov 2013. I was planning to make a…
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Early repayment mortgage help
I am trying to find a mortgage that we can repay over a total of 2.5 to 3 years without getting penalised massively in early repayment charges. I have spoken to a few financial advisers, mortgage brokers and they seem to be blinkered into selling me a longer term loan We need the following 1) A primary mortgage that allows…
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Sanity check please, Stoozing noobie!
Hi there, I have 2 MNBA credit cards, branded AA and also Amazon. 1 says in the cash money transfer section: 0.0% until 1 February 2013 on all Money Transfers completed before 31 March 2012 A transfer handling fee will apply of 4.0% of the transaction (minimum of £3.00) I have a credit limited (not used of £3000) I have a…
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I've made a schoolboy error - Tesco 0%
Hi all, I've made a schoolboy error a few days back on my Tesco 0% spending card. I have been trying to make purchases to keep as close to the limit as possible, but my maths failed me and I've gone a couple of pounds over the limit. Does this mean that I've now forfitted the 0% for the rest of the term? I've paid the…
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First time Stoozer coming to end of 0% deal. Please confirm my assumptions.
Hi all. After years of running cashback cards and paying off in full each month I decided to have a crack at stoozing and took out the Captial One cashback card with 6 months @ 0% on purchases. I have a current balance of approx £9000 with a direct debit set up to to pay the minimum payment automatically each month. My…
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Stooze: Mortgage or ISA
Hi, I have decided to start stoozing and have opened up an M&S card at 15 months 0% and set up a minimum DD. I now cant work out what is the best thing to do with the cash. Either: a) Open up a cash ISA and deposit money at c:3% interest b) Over pay my flexible mortgage. Current balance 95k, paying 1.49% interest. With…
