-
Halifax 22 Month Balance Transfer
Hi I applied and received a Halifax 22 month balance transfer card, but am now not sure what to do with it! It has a limit of £3000.00, transfers are charged at 3%. I do have a mortgage with NR which allows overpayments, is it worth transferring my monthly spend on a tesco card to the halifax card, and using the cash I…
-
dual fuel, single occupancy questions
I'm about to move into a new build 1 bed flat that's well insulated and has gas and electric. It'll only be myself in there and I don't anticipate high usage, especially on gas, as strangely enough it has an electric shower and I have a dishwasher, so the only time I anticipate using gas is when washing hands/cooking(which…
-
Mobile phone insurance warning
Apologies if this has been posted before. My wife and I followed the advice from Martin Lewis to have our mobile phone insurance put on our household insurance. About a year after taking out the insurance, my wife dropped her 3 month old iphone down the loo. It was a write off. Never mind I thought, it's insured. On…
-
Best bank account for working abroad
Hi My daughter is going abroad to europe to work for the winter. her wages need to be paid into a UK bank account. What is the best account to use to reduce charges for withdrawing cash abroad. Can anyone advise?
-
Help get me into debt...
Hi, 0% interest debt by the way! :D Now that I’ve caught your attention with the title, I’m after a bit of advice… Back in 2007, I stated my aim to become mortgage free before 12/12/12. My mortgage diary is here: https://forums.moneysavingexpert.com/discussion/572849 Well, we’re doing ok, but I’m short of my December 2012…
-
Stoozing bad for credit rating?
Hi Guys, I have been loyal to Tesco credit card for years and have finally decided to start stoozing. My only question is that I have just put my house up for sale and will be looking to borrow more money when it sells (hopefully). If I have a CC debt from stoozing will this affect my borrowing? Thanks Paul
-
Will there be effect on the Credit score for paying minimum amount on 0% Card.
Hello Experts, I have the Capital one Cash back credit and have around 2500 balance on the same. All this balance is made up of purchases and none from balance transfers and cash withdrawels. The card says that it has 0% interest on the purchases till Apr 2012. I paid full balance till last month by DD but now planning to…
-
Student Snoozing
Im a second year student at University, been looking at Snoozing for sometime now, I wondered if it would benefit me more than your regular 9 - 5 worker with the 0% overdrafts I get, but also wondered as to the effects it will have on my credit rating. Thanks for any help.
-
Increasing credit card limits without asking
I am hoping you can help answer a few question and worries for me regarding a credit card debt I have. I was given a Vanquis credit card [which I applied for as I needed it to go on holiday] and the credit limit was £300 which was great as I had got myself in trouble in the past so this limit was perfect. However over…
-
Barclays takeover of EGG
Hello folks, With the intention of paying my debt in full in the next couple of weeks I have asked EGG if they would consider accepting a reduction in my outstanding balance of £4000. I was informed that EGG, unlike some other credit card companies does not offer this option and I must pay whatever balance exists at the…
-
I closed my mbna card but still have a balance Can I reopen it?
Hi all I emailed mbna 8 months ago to close my credit card until I reduced the balance a little, now I have, does anyone know know if I would be ae to reopen this? There is still a balance and I pay every Month so just wondered if it is just straight forward to email them and ask to reopen it!!! Any advice would be great…
-
Pre-paid credit cards.
I was thinking of getting one of these as they seem a good way of getting money when necessary to a family member, they keep the card, I top up as necessary. I have read the guide on here and now understand how they work, that is they all have charges of some sort. So then I thought, why not just have a credit card but…
-
MBNA rewards vs. Tesco clubcard points
hi everybody, just wondered if anyone can advise me as to which are better overall (as in worth the most in monetary value!) - MBNA rewards points, or Tesco clubcard points. I have a MBNA (standard) credit card, and a Tesco one. I'm not eligible for any of the decent cashback cards so am trying to make the best of it, but…
-
cash abroad
Now that the Post office platinum card doesn't allow you to draw cash abroad without charge is there a card which does?
-
getting the cash back, this one is a bit of a puzzle, any advice would be great
Hi all. I am trying to claim back all my late fees and charges from my current credit card and and my old ones. But my current one is a paperless statement and only goes back 12 months, Can I just write to them and ask them to tell me what I have been charged over the past three years? The statements I have had have been…
-
Shrinking my mortgage term
I have a life time tracker mortgage currently at 1.85% above BOE rate and 18 years left to run. I want to shrink the term and can overpay by roughly £100 per month or even a little more, my question is what is the most cost effective way to achieve this?...............should I overpay or, is it more economical to invest…
-
freeview v satview with record function
I have Sky multiroom and want to reduce my costs. Anyone know which is better to use and how easy these are to set up? Do freeview and satview still loose signal sometimes? This is no good if you are recording.
-
HELP!! - BT gone wrong?
I have a tesco credit card with a £5500 limit and have just asked barclaycard to BT £10000 to it. Today I checked and had to phone tesco who say they need to check with barclaycard. I was going to use the surplus to pay off another card further down the line. I was hoping the surplus would go into my bank account, but it…
-
Credit card limit increased same time as interest rate is increased!
Hi, I have a LLoyds TSB Platinum card which was on the introductory 0% for 15 months, but has since transferred to the 'standard rate.' However, the standard rate wasn't the 17% I was expecting, but started off around 24%. A couple of months ago my credit limit increased by £2000 (without me asking, but I've not used any…
-
cash from credit card
Hi This question may have been answered, my apologies if it has. I recently got a barclaycard plat with 21 months on BT and 3 months on purchases. I have transferred my old tesco card debt on to the card. Now I am looking to spend another 500. My question is , can I spend or get a cash advance on the Tesco card and BT it…
