-
Balance Transfer Question
Hello, I have an MBNA (Virgin) card with a £20k limit. I currently have a BT of £9k which is due to expire at the end of August. I have the money to repay the balance at the end of August but want to use the remaining credit to do another balance transfer to another card. My question is - can I do a BT for another £10k now…
-
Free stuff please?
Hi, Next Wednesday, I will turn the tender age of 18! I can enjoy my first (legal) pint, and I can get into debt! I'm almost at the point of finishing school, and will have a little time on my hands before getting a job. I have read two particular articles on "Credit Card Freebies" and "Stoozing". I like the idea of both,…
-
Ppi
I have a credit card with Mbna. I've been paying ppi for about 10 years. I was in permanent employment at the time and agreed to the ppi. But I tried to cancel it about 6 years ago when I knew I was going to be self employed and they convinced me to keep my ppi. Can I make a claim?
-
P11d value taxed twice through tax credits and PAYE tax code?
Sorry if this sounds like a silly question but ... I have a low cost loan from work which, naturally impacts on my tax coding. I think last year the benefit was worth about £1500 so I am more than happy to pay 20% tax (£300) on that. However, I am also required to declare the same figure in our tax credit claim, so in my…
-
Best card for me?
Hi just wondered if you could help me I'm looking at taking out a credit card with either cash back or rewards I have no debt at all and have an excellent credit rating I pay the balance off my current credit card in full every month so never get charged interest. But I am closing down this card and would like to earn some…
-
First time refusal of credit card application
Hi, hope someone can enlighten me. We are old-hand credit card tarts and have recently branched out into stoozing. Did our first stooze with Capital One cc and paid off balance in full when promotional rate ended. Applied for second cc to use for stoozing (Halifax mastercard) but the credit limit given is quite low (around…
-
Is this a scam?
I was phoned today by 08451547956 I missed their name. They were offing a service to get money back from my Mastercard supplier because I had not been asked to sign and return a form when my credit limit had been altered or the terms and conditions had changed. They said that I could be due £1000 per card - also - if I…
-
Is it possible to pay off a partners credit card By doing a balance transfer?
Help please Is it possible transfer my partners debt onto a new card of mine?
-
Stoozing Preparation
Hi, I want be ready to start stoozing in the next couple of years, whenever interest rates increase and it becomes worth the hassle. The plan is to offset my mortgage and slow stooze at least initially. Is there any behavior I should have on my credit file now to help me get the maximum stooze pot in the future? I…
-
Minimum payments damaging?
Hi All, I have searched the forums and failed to find the answer to this question: does making minimum payments on a credit card damage your credit rating? I'm thinking of stoozing at the moment and whilst I have no bad debt, I have no real credit history and so have been turned down for cards in the past. I'm looking to…
-
prices
Can anyone help us? We need an idea as to how much it would cost to have a two storey extension built?
-
Hello , advice please dealing with wescot cs
dont worry posted in wrong section so removed . cheers nick
-
Old Santander Card
I have an old 'zero' credit card from Santander - used for the existing bank customer fee-free BT offer, now expired. What's it good for anyone?
-
Capital One Secured Credit Card
Hi all. Just registered on here. I applied for a Capital One Classic credit card and was declined and offered a secured card for £49 deposit which I accepted as I really need the card for when I'm travelling across europe as I bank with Natwest who will only give an offline visa debit which usually leaves me redfaced at…
-
Debt gone, how do I proceed?
Hello all! The last few weeks have seen the end of a Tesco CC, my final payment on a HSBC loan (and a £500 return), and next week will see the clearance of a M&S CC. This all means that I am £250 a month better off from here on. I would like to stooze, one card for a slow stooze, and hopefully another for a quick cash…
-
Can anyone help with a focus radio key code?
-
complete newby to Cash back card
I have bought a new kitchen on a 6 month interest free option. I have the cash in full sitting there to pay for it (due in July to get interest free option which is my intention). I currently use a debit card, no credit cards, store cards or anything else. Is it worth me applying for a cash back card and use it to pay a…
-
Direct Debits and Standing Orders
Can i set up a standing order alongside a direct debit? or is it one or the other?
-
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…
-
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…
