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Paying Balance Transfer rates first and purchases last
I just found out from my credit card company that all monthly payments go towards clearing any balance transfers first at the low rate and that any purchases made would be charged at the higher standard rate. Meaning, that they are making more money even though any purhcases using the card are more recent. This wasn't made…
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How long until I'm a new customer?
Hi all, I've been slow stoozing for a while and working my way through most 0% deals. When the 0% deals come to an end I normally close the accounts. How long should I wait before applying to the same credit card company again as a 'new customer'? I'm on my second accounts with Tesco and Halifax, but left about a 12 month…
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help for bad credit and cancer patients
hi i would love some advice, i am 27 from liverpool with 2 young children and my fiance has been fighting cancer for 18 months. i have a bad credit rating and i can't work as i am my partners full time carer as he has no close family, we are really struggling as he spends a lot of time in hospital, as it had spread quite…
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Using Santander Zero CC in USA
Does the 0% foreign exchange fee still apply in the USA?? I've found a few conflicting bits of info suggesting that it only applies in Europe Also .... what happens if you've balance transferred 75% of you credit limit, have been paying the min payments for 5/6 months then decide you want to make purchases on the card. Is…
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Santander Zero - very high interest on "free" cash withdrawalssh
A word of warning about the Santander Zero credit card overseas. Yes it does offer fee free cash withdrawals in Europe with no exchange rate loading BUT their repayment credit structure places cash transactions at the bottom of the list. I was away this week and withdrew cash using the card principally as the most secure…
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Existing Credit Card User Deals?
Is it possible to benefit from the current credit card deals if you are already an existing customer with the card in question? For example, if the card is offering 0% on shopping for 6 months but you have already had the introductory interest free period?
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Funeral costs
My Father-in-law passed away last year, my husband was devastated, and to cut a long story short thought the funeral would be paid by the local council - his father was in his 80's in care and the council were very unclear asking for a copy of the funeral bill to 'take care of things'. When my husband questioned them about…
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tooth whitening gel problem
I bought gel from the usa expert whitening 10 lots and four have gone liquid, they are not replying to me, has any else had a problem
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Obtain mortgage in advance?
I think I might be in the market for a mortgage of around £50k in about 6-9 months time and i am concerned that recent press releases suggest that interest rates may soon start to increase significantly. My current property is mortgage free and I would be looking to move up the housing ladder. Is there any way that I could…
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never, EVER, pay
can you do this? i mean, instead of just taking this as far as to "get credit at 0%" and use it your own way, maybe you can at the end of the term --> 0% balance transfer for 12months, then another ---> 0% balance transfer and do this until you die is it possible :S marko
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Credit into ISA?
I never use my Barclaycard but I think I have the Barclaycard Classic: * 0% interest on balance transfers until September 2011 from opening your account (2.5% handling fee applies) I don't know what balance transfers are nor what handling fees are. But what I wanted to ask was this: My limit is around £1600, I won't use…
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mbna want to switch
hi just wanted to know which credit cards i could switch my balance of £800 with mbna to? was reading that mbna dont let you switch to certain ones. my 0% apr deal was up last month thanks
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Best Credit Card to swap to ?
Hi all, I currently have an EGG credit card which I've had for about 8years now and i've always paid my balance off in-full at the end of the month. This worked well when EGG gave cash-back for every pound spent, some years i'd get £30+ back. But now EGG have stopped this benefit and I currently get ABSOLUTELY no reward or…
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baying a used car on my credit card
hi i am looking to buy a used car for about £2000. i have a bed credit score so the rate i got for the fiance was 24.9% apr so i was thinking about getting this on my credit card as it is only 15.9% apr am i right in thinking this would be the best thing to do
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Samsung American style freezer problem
Hi, very first post. I have an RS20CCSV and there is a constant rattling sound coming from the FREEZER not the fridge just started this evening. When the door is opened this stops. Temp seems ok at present.Can anyone help? Not under warranty anymore bought 2005. I have searched for responses under this title but can only…
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New Santander Acc + Stoozing
Hi, I've opened the current account at Santander that pays £100 for signing up (+ extra £35 via topcashback) and then an extra 5% interest on any balance in your acc, up until the first £2,500 in the account. My question is this; If I got the egg money card (the one in Martins stoozing guide :money:), and did a BT to my…
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Warmfront, before getting in any deeper ...
Hi, thinking of applying for the Warmfront scheme? Hmmmm ... It is taking up to 6 months to get the work done, but apparently it's also taking up to 9 months before an installer even comes out to have a look at the job with a view to quoting for it. We had a survey some time ago and were told that we qualify for a new…
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How do you spend £700+ a month?
Hi all, I am a fairly new stoozer, taking the slow, simply spend approach. Really excited, things are going well and fitting in with my normal monthly expenditure, on a credit card (Virgin) with the equivalent put into a little savings pot (AA) Loving the adventure and the idea of getting me credit rating pushed up a bit…
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0% credit cards - do they really exist?
does anyone know if there is a credit card with 0% on purchases where you only need to pay off a minimum balance without charges being made for non payment of complete amount owed? or am i dreaming? i do not see that having to pay it all back every month is going to get me out of my situation, whereas paying a small amount…
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RBS far too slow
Back in June my MBNA balance transfer deal was due to end at the end of the month so I swapped and requested a BT to RBS. CC & pin arrived and I thought all was well, then MBNA send me the latest bill, with interest. No the happiest bunny in the world I pay off just over the minimum and blame myself for not swapping…
