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enough to start stoozing?
hi all, im wondering if you can help me. i have delved into a bit of stoozing with my student overdrafts ( i have two) but i would like to do it with credit cards as well as funds are running low now even though i work. i already have a two credit cards one with lloyds which i got with the basic current account not the…
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To use or cancel
Hi I have been stoozing for few years now on 0 percent purchases.I was shocked recently to find out I was given 1000 spend limit on my new amex card!I always had 5K+ limit given and am trying to get my credit report. my dillemma is should I cancel the card without using or use it and pay it off?which would help better my…
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Will all this stoozing affect my credit rating?
Right I currently have - First direct card recently opened near maxed with 0% BT until July 2011 - Tesco card which I normally use for all spends and clear in full each month - Virgin card recently cleared at end of BT offer Now virgin are offering 0% on purchases (made before June 30th) until Nov and Feb depending on…
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OOPs I've tranfered too much to my old credit card!!! What do I do??
I was doing a balance tranfer for the complete amount from my old card to my new card and I gave my new provider last months balance outstanding and not this months. So that means that I've asked for or transfered £120.00 too much. My new card provider says I can't change the amount. Any advice? Will I loose my 0% on…
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Big credit card balance that wont budge!
Ive had a Abbey credit card for a long time. The balance is currently 9,500. About a year ago I had a reality check and started to pay off more than the minimum. I know pay £270 via direct debit, but between £220 and £250 is charged in interest. The bank wont decrease the interest, I cant find any other bank to transfer it…
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stoozing to pay mortgage
Hello, I want to stooze to lower my mortgage using a 0% on spending card. Cant I just pay off some of my mortgage up to my credit limit using my card? Or do I need to Accumulate the money saved from spending? Thanks, Stu
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Egg Credit Card Balance Transfer To Current Account Help??
Hi, I've applied for a Egg Credit Card with 0% interest till june 2011 (3% fee for balance transfer). If i wanted to transfer money from the Egg card to my current account, how would i go about doing this? I'd have no money on the Egg card, just wanting to borrow some money for a short time and pay it back via direct…
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RBS 0% cheques and no BT fee
My friend has had a letter from RBS with a 0% and no balance transfer fee until Feb next year. There are also cheques with this. Looking at the small print on the letter, it appears you can put these straight into a non-RBS current account on the same terms. Would that be correct, is it as simple as that?
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0% till May bill - so when do i start getting charged interest?
OK. So my bill comes in May. Am I OK to avoid any interest if I pay off in full before the payment date quoted on my May statement? Or does interest start to accrue from the statement date?
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Natwest Free Bal Transfer Offer what should I do?
Hi, Natwest have offered me 0% til Feb next year - I know that doesnt sound great but the good bit is no transfer fee and cheques so in theory I could use the offer for almost anything? I guess I could put it in a mortgage or ISA? Thoughts?
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Overdrafts Loans and Egg Money
Hi All, Just wanted to check to makesure there are no flaws in my plan:- I currently have an outstanding overdraft of £2000 and an outstanding loan of £2000 with Lloyds TSB. I also have a Lloyds TSB airmiles Duo Credit Card with no outstanding balance and a credit limit of £6750. They are currently offering me a 0% balance…
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Economy & 0% cards... are they safe?
It seems we're about to enter a period of very tough times economically, whoever wins the election. Does anyone have an opinion (or has anyone read anything) on whether there's a possible economic scenario looming whereby 0% credit cards are no longer offered? I'm about to apply for the Virgin (0% BT & purchases) and don't…
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No Mule Card
Although I have a Egg Credit card I was refused an Egg Money card about 3 months ago and I need one to get hold of some stoozing money. I read on one of the other threads that Virgin Money is the same as Egg money, is this correct. I also wondered whether it would be possible to balance transfer to one of these new prepaid…
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Negotiating the Virgin balance transfer fee?
Hi, I remember reading on here before that it's possible to negotiate the Virgin balance transfer fee. Can anybody confirm that this is true? I ask because they're currently offering me 0% on transfers to a current account (4% fee) until December (existing customer deal). So that's about 7 months. Now I know that 7 months…
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I don't want to pay tax on my hard earned cash
I have had a cash business since i was 18 and have never paid any tax on my earnings. It's now got to the point where my £40's are piling up in my bedroom in my shoe boxes. Now i want to buy a house/car and all of a sudden i have to prove my income and show accounts. Is there any way i can get away with this without paying…
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Moneybookers
Hi, Had a look for this, can't see it answered anywhere. Can't find any Ts & Cs regarding it. Does anyone know how an upload to Moneybookers is treated by the credit card companies? Is it classed as a cash advance, in which case oodles of fees to apply... or could it be a purchase? Thanks, :)
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credit card before2007!!!
can any 1 help me please?? have a cap 1 credit card taken out well before 2007 have started the process to try and write off the debt and used the template letters very helpful:jOnly problem is seem to be going round in circles have requested cca twice chq encashed by them for £1! but whatever template letter i send they…
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Offset mortgage, slow stoozing and credit rating
Hi, have been an interested lurker here for a little while. We have a FirstDirect offset mortgage fixed at a 5.79% til December. I'm really interested in slow stoozing, as a way of making our mortgage payments go a bit further. Between us we have 2 personal FD cards and a corporate Amex, all of which are cleared in full…
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Is Stoozing Worth It?
Hi! I used to stooze. I had a stooze pot of some 65,000 some years ago. This was in the age of no balance transfer fees and fairly decent savings rates. I was checking out stoozing again but there are no caps on transfer fees and fees of up to 4%!!!! The savings rate is pretty naff also. How can stoozing possibly be…
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credit cards ??
can anyone advise me on weather i should get a credit card or not, i dnt need one but think it would be a gud way to save money, but i hav no idea which one to get
