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Which card do I need?
I need some advice on which type of card to apply for. I need to bridge a gap in my finances until my first months wage as I am a graduate starting a new job. I have been refused an overdraft on my current account due to non-consistent deposits of cash from student cheques and think that applying for a card card is my only…
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Payment arrangement - MBNA - advice
Hope you can advise me. I have credit card debt of £10k of which £4.5k is with MBNA. I gave MBNA my financial details (income, budget etc) four months ago and agreed a payment arrangement with them of £10 a month for six months, to be reviewed at that point. I have been making these payments. I had a letter last week from…
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Using PayPal for 'backdoor' Super Balance Transferring?
Apologies if i've got the understanding wrong: SBT is when you take out a credit card, lets say your limit is 1k, so you send 1k direct from your C/C to your high interest account & stooze away, paying off the minimum before paying it all back at the end? But i'm sure i've been told cards have been changing that. Either…
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Acceptability of Amex Platinum credit card
The Amex Plat'm CC is the best for cashback for large users. A past problem with Amex cards has been merchants do not like them 'cos of higher processing fees. Is this still a problem or are the Amex CCs as widely accepted as VISA and Mastercard? Experiences please
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How to register for Egg Cash Back ?
Hi all I have an Egg Money Card, and their website is littered with invitations to register for the new cash back site (run by Quidco). But whenever I try - and I've tried multiple times over the last few weeks - I get this:Sorry that page isn't available The page you're trying to get to isn't available at the moment.…
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Next 0% Offer
Hi all, I am after a bit of advice about getting another 0% card for purchases. My situation is as follows; I have 3 credit cards at the moment; Natwest: Current balance 150, limit 4400 (no 0% offer) Santander: Current balance 2800, limit 3600 (0% BT until March 11) Halifax: Current balance 4000, limit 4100 (0% purchases…
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using a credit card to transfer money on gaming websites
Ok this may be a stupid question, so forgive me... But i recently logged on to jackpot joy to take advantage of the cashback offer (which has worked for me...wow lol), and seen that you can transfer money from a credit card, and then withdraw it to a bank account. In theory does this mean if you have a credit card with a…
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credit card get money back - HELP!
does anyone know if you can still try and reclaim any money owed from credit card charges even if you have recently paid off the the card?? thanks :-)
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first time stoozer not got a clue any info greatly appreciated
hi there, i always pay off the balance of my cc at the end of each month tho this months a bit tight and ive got 950.00 on my tesco cc to be paid by 24th and ive just noticed that nationwide are doing 15 months at 0% so do i apply hope that it gets throu on time then either pay it off or move it to another o% cc is that…
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Another "Not exactly Stoozing" question...
...But you guys have more experience of this sort of thing than anyone... I will soon be applying for 2 new Current accounts as well as another credit card. I'm aware of the need to space CC applications out, my last one was at the end of June and I was going to wait until late September for the next one. I'm wondering how…
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Stoozing - do 0% no fee balance transfers exist?
I'm a first time stoozer and am weighing up how to go about it first time. My plan is just to take the max. credit limit and put it in savings for the 0% interest period. A few questions though: Do you still have to pay a minimum payment each month even though you don't want to (as it doesn't matter if you do or don't at…
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Stoozing a Charge Card?
I use an Amex Charge Card for a lot of my regular spending. OK, there's an annual fee but reward points and some of the card benefits compensate somewhat. It's occurred to me that this is like an interest free credit card but only for a month at a time because it has to be paid off every time. However, there's usually…
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First time stoozer - help needed!
Hi, as the title says i'm a first-time stoozer, who having read the MSE guide to stoozing will probably be better off using the simply spend method - which i intend to now do. However, I have a question - in the guide, martin says the best card to use is the tesco clubcard credit card. I went to tesco's website for the…
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Barclaycard Goldfish rewards
Just got a letter from barclaycard to say that they will effectively be halving the value of rewards points from August. Any points currently held can be cashed in at existing rates so make the most of them while you can. Steve
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Help Needed on BMI Baby Credit Card Free Flight Offer
Hiya, I was wondering if anyone has applied for a BMI Baby Credit Card for the free flight offer. I am hoping for both me and my partner to apply for one and get two free flights. However, after reading the t & c's on the website I was wondering if: 1) The flights you can book are really restricted as on the website it…
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To risk a slow stooze application or not
I'm going on maternity leave in 7 weeks and am trying to keep as much money sat offsetting our mortgage as possible. Took out a first direct card for 0% BT in April - owe £12k on £13k limit. Have virgin card with mix of BT and 0% spends owe £10,500 on £17k limit. Tesco cc for monthly spend cleared every month. Currently…
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MBNA credit cards
I was told today by MBNA that i couldn't increase my minimum payment by direct debit, the only way to pay more was through the bank or throught the MBNA website. I this normal? We are told everyday direct debit is the quickest easies way of paying bills etc but it seems to me credit card companies find every excuse to…
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Stoozing
I thought I understood but now I'm confused again. I got a tesco clubcard 0% cc in march 2010 with a limit of £5k and spent £4900 on it in May. I am saving into my a+l isa and will have the money to repay the debt well before it's due in march 2011. I am making minimum repayments on the tesco cc. Should I be spending on…
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Stoozing Warning: From self-employed to unemployed & very annoyed
A warning about stoozing & benefits. I've been self-employed for just over 2 years following continuous permanent employment for 13 years. A contract ended recently, another fell through & similar work in the near future didn't seem likely, so I decided to sign on for benefits while going for a permanent job again. I don't…
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Goldfish points
Remember goldfish points are slashed on 1st Aug. Cash them in before then. Don't delay do it today.:money:
