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Cost of fee?
Help my menopause brain please. 2.5% MT fee with 0% interest for 1 year. On £10000, how much will the fee be? And it will earn money if I put it into 3.7% savings, yes? Is it better generally to have a 0% fee or 0% interest? Worked examples on £10000 would really help me out. Thanks
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0% purchase cards: Reliable way to max them instantly? Without BT cards
Hi all, slow stoozing on 0% purchase cards works well, but obviously fast stoozing would be best. I just know paypal etc is a bit more ropey in terms of being treated like a cash advance than it used to be; anyone got a way to max them immediately that works on all cards? Reason to avoid BT cards is that doubles…
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Money Transfer
I've just dipped a toe into the stoozing pool, in the first time for years. MBNA offered me a MT at 3.5% for 18 months. I took £5k, just before the Bank of England base rates went up. It's currently sitting in Chase, which has just announced a rise to 3.8% It will then be used to fund regular savers. I have 5 at 5% or…
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Calcs for Sally Stoozer example
Hi, can someone please be as kind to breakdown how the Sally Stoozer figures were calculated? Namely how the £4,916 is calculated as well as the £425 at the end? Sally Stoozer gets a 23-month credit card with a £5,000 limit. She usually spends £1,250 a month from her bank account, but now she puts all that spending on the…
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Sainsburys CC nectar bonus.bait and switch tactics?
Hi I recently made use of the offer from Sainsburys credit cards introductory 10k nectar bonus for £400 spend at Sainsburys/argos in first 2 months offer. I fulfilled the terms of condition set out in the offer and awaited the point award. I received the 10k points, but it was taken back out a fortnighy/month afterwards. I…
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Virgin won't accept my Amex UK balance transfer
I am having trouble with Virgin Money Credit Card. I am trying to move money from Amex UK to Virgin Money Credit Card. It's been one hell of a stressful ride trying to activate my Virgin card but I finally managed that. Now the online tool is saying it does not recognise my Amex UK card number. The Virgin Money agent said…
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Please check my plan.
I currently have a Lloyds Bank Platinum credit card with 0% on purchases for another 12 months and a money transfer offer of 5.9% interest and £0 fee. I also have a balance transfer offer of 0% interest and £0 fee over 18 months so will transfer the balance, leaving Lloyds a £0 balance. Once my Lloyds credit card balance…
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Best cashback card
Hi. I have a £4,000 bill to pay and wondered what the best cashback around is at the moment? I'm thinking the Nectar card as the company I have to pay does not take Amex.
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Cash Back using First Direct Credit Card. Stopped?
Before I accepted the offer of a First Direct Gold Credit Card I googled "First Direct Cash Back on Credit Card Purchases". I found articles on this site and on Which saying that First Direct were offering this. However, I've since realised these articles were from 2017. I can't find anything about them stopping this…
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Barclays 0% purchase cc working with Paypal? Cash advance fee?
Hi, Just checked my Barclays card and got a 0% purchase offer. Will I get charged a cash advance fee if I use the card to top up Paypal? Will Paypal charge me a fee for using the cc to top up my balance? Would be nice topping up Paypal, use f&f payment and put into savings :-) Anyone experience?
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Stoozing and Credit Impact
Hi All I am currently stoozing with 2 cards and intend to take them towards their limits. Before any upcoming credit scenarios (Mortgage fix term comes to an end etc) I will pay these cards straight off. Now I understand this will only reflect 30-40 days later on credit report for utilisation, but does anyone know how long…
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AMEX 0.5% cashback claim is not accurate
I have an Amex card which gives 0.5% of spend as Cashback. I have always found it impossible to agree with the monthly figure they award and recently decided to investigate. I now know that the Cashback is anywhere between 0.4% and 0.5% (I assume averaging 0.45%). This is because they round down twice. The round down to…
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BA Prepaid Mastercard TOP-UP
Hi all, so it looks like the top-up function cannot be used by any other card than a debit card. Boo. Its good for additional AVIOS points where a CC cannot be used.
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Spending Money for Discounts on Utilities
I was wondering if anyone has been stoozing and using their credit cards to pay regular bills and utilities? I'm considering paying a few of my bills and utilities in advance in order to get a discount on paying a lump sum. Has anyone successfully done this? This will also be helpful ahead of any increases coming up like…
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Barclays don't like me
How strange - I just decided to check out the stoozing from an MSE mailshot and filled in the details. It came back with Barclaycard 0% chance of approval but Virgin Money and Capital One 100% pre-approved and several others at 95%. So, I went ahead with the Virgin one and the card is on its way with a £12k limit. But…
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Optimising/balancing credit utilisation percentage and available credit risk
Full context below, but in short I have 6 payed off cards and there is only one I want to keep. I have no important credit applications planned for over a year, though I may try to get a new reward card in 3-4 months. Now seems a good time to do some pruning. Plan A: ditch all 5 at once - my credit utilisation goes up to…
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New to Stoozing - can you check my plan
Hi Recently debt free and savings where I'm happy(ish) - was thinking of giving stoozing a go to squeeze a little more and wanted to run the plan by the experts, you guys... Secure a 0% spending CC (eg M&S 21months) Setup direct debit for minimum amount Setup easy access savings (eg Chase 2.7%) Spend on CC for everyday…
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MBNA mule
Since the fixed interest rate world has livened up again, I was hoping to start a new round of stoozing. However, after several years of receiving a no fee cash advance offer from MBNA every month, I noticed this has just stopped. I now get the no fee BT offers, but not the cash advance offers. Just one with 5%, which is…
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What's the shortest time that I can balance transfer again after doing it?
Bit of a grammatically bad question in the title but I have a debt of £3k and am looking to make a few quid through TCB. So looking to shift the debt on to a card which gets cashback from TCB when you take it out. However the debt was only transferred a few months back. Does this matter? If not surely people just…
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Large positive balance on CC from balance transfer?
I signed up for the Halifax CC with the intention of using it for a money transfer, however I was told on activating the card the option to carry out a money transfer isn't until 3 to 6 months. In the past I've created a small additional positive balance when carrying out a balance transfer and most companies have been…
