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Credit Card Newbie
Quick summary! Never had a credit card but going to the States in May. Only debt is student loan. Thinking of applying for the Halifax Clarity due to its no fees properties. Other than that, I've been looking at the Tesco & M&S 0% for 15 months cards. My aim is to stooze! I realise you have to pay off a minimum amount each…
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Att. of Tixy
Hi Tixy, Thank you for your advice about the balance transfer to Halifax card following their revised letter about not transferring my original request. I called them today and spoke to a "very nice man" called John. I explained my "concerns" and said I was troubled as I REALLY wanted to clear my Barclaycard and have only…
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Too stooze or not too stooze...this is my question??
Okay peeps, you are such a wonderful and clever bunch and I would appreciate your opinions/advice. :money: Firstly.... Personal info: Married, no debts, one credit card (Post Office, had a few years, £7,500 limit) used mainly for oversees spends (as no charges) and business use. Pay it off in full each month if it's used.…
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Is this the equivalent of super balance transfer stoozing?
I have read recently that the most profitable method of stoozing was a complete money balance trasfer from a new card into your savings account. Unfortunately the necessary products are no longer available to do this so........................ they also incurred a fee! I invest in prcious metals and also have a 0% tesco…
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Mule Wanted
Now Barclaycard (Egg) seems to be a dead mule, are there any alternatives? I've heard that NatWest still permit transfers to a current a/c. Is there a charge for this (assuming a positive balance of course)? The only alternative to this that I can see is the cumbersome process of transferring to a card like Santander Zero…
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Can anyone better this stoozing tactic?
I'm new to stoozing so I'm sure there's better ways of doing it.... I do all my spending on 0% purchase credit cards. I have maxed out a Tesco CC with a £2800 limit. I also have £2000 on a M&S CC with a £4000 limit which I will continue to spend on (roughly £400 a month). The £4800 I have saved is in a Coventry Building…
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confused
i got a letter from a well known loan company today,telling me that they had lost two backup storage tapes from october 2010 containing my personal info, date of birth, address,phone number,payment record,they said i should consider safeguarding myself against identity fraud,but i dont have a clue on where start?
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Wedding discount deal
I have just recieved this from a Welsh Castle that i have stayed at and they have a great deal where you can get married for only £30.00 per person- you have to have 50 people who stay overnight and they pay only £75.00 per person. Also they have a great new site which you can visit craigynoscastleweddings.com which tells…
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My credit card company are willing to accept a reduced lump sum to pay my cards off
I have two cards with a well known cc company. I have run into some financial difficulties due to lack of work. After some decent communication with the cc company they have said " they are willing to accept a lump sum, but are not at liberty to say how much" Inotherwords they want me to make them an offer to clear the two…
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disillusioned stoozer wanabee!
hi,i'm hoping for advice please. i applied for an m&s 15 mth interest free credit card in july and put money not spent into savings account to accrue 3% interest as advised intending to pay the full amount owed off before the interest rise.stupidly i hadn't realised my credit limit was only £4000 which i've been informed…
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Balance Transfer Fees Calculator (Barclays)
I have tried the BTF calculator on the site showing the 22months 2.9% and £40 refund and entere 3000 and the calc shows 1.6% - increased it up to 4000 and 4200 with 1.9%fee. THERE IS NO MENTION OF THE REDUCED FEE ON THE BARCLAYS SITE it states 2.9% - am I missing something. Help appreciated . tks in advance :T
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barclaycard credit card transfer info incorrect
Hi just wondering if anyone else has this problem I applied via this site for 1.6% balance transfer deal 0% for 16 months Stiil recommended here but barclaycard deny all knowledge say its minn 2.1%
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Help want a decent credit card
I currently have a capital one classic 200 limit Capital one progress 2500 Vanquis 1000 Aqua 700 I currently have 1 satisfied default which will fall off at the end of the year and a county court judgement with a couple of months until the 6 years time limit. My question is how long after they fall off my file before…
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Credit Card Confusion!
Hello, I'm wondering if I should combine my 2 credit card balances into one credit card through a 0% balance transfer deal? Or is it better just to keep them separate? They are both 0% til the summer and then I will have to move them both. Thank you in advance!
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What a rip off!! Loan protection cover!
I'm hoping someone out there can help me!! 5 years ago I took out a small loan protect policy (not with the loan company but independently as advised!) with Bestinsurance.co.uk who are now trading as Assurant Solutions (Ireland). It is only a small premium of £8ish a month & I have paid it for about 5 years. It covers a…
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PPI Cold call
I've just had a call from Lifestyle Money, telling me I've got a good claim for compo from A, TSB for PPI saying it was included in the iterest rate, even tho' I always pay in full at the end of the month & never paid interest. & B, From the Woolwich for PPi charged when I took out a mortgage in1996. All sounded good until…
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Tesco MC - justifying increased credit limit
Would be grateful to know if anyone has been successful in increasing their credit limit on a Tesco Clubcard Mastercard. My account offers 0% on purchases for 13 months so using for a slow stooze. The policy is not to allow an increase until the account has been open 12 months (another 6 months), but I'm invited to write…
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how to open a children's bank account without visiting a branch
I live in Indonesia and would really like to open a bank account in the UK for my children to deposit cheques I get from their Grandparents. Most of the banks I have been in touch with require me to visit a branch so that they can verify passports. Does anyone know any banks that do not require a branch visit?
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M&S Travellers Cheques
Is it still possible to buy M&S travellers cheques with a 0% purchase credit card (does it have to be M&S?) and deposit the money into your current account for a fee of 1%. Thinking this could be the cheapest way of obtaining £5000. Does anyone know if A&L (Santander) accept TC's? Thanks :beer: Jake
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Credit card fees
I have an annual maintenance fee to pay. I have had the invoice and with it is the detail on how to pay. They only seem to offer credit or debit card payment options and they insist that if you use a card they will load a further 2.5% if you use a card. Do we have to use a card or do they have to offer a non fee paying…
