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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
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applying for balance transfer deals or consolidating loans
Hiya, I am tryng to find a way to save money on interest and also enjoy the flexibility of doing so....i need your experienced help on this. I have the following debts LOAN 9,000 (Paying 262 /month) have 45months lefts LLYODS CC --DEBT OF 5533 VIRGIN CC DEBT OF 3933 am better off trying to pay my cc off with bt or shd i…
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what should i do with empty accounts?
hi there everyone. i'm a long time lurker looking for some advice about my stoozing and the cards i have. i've been stoozing against my offset mortgage and am now in a position where i need to work out my next steps. i've detailed my accounts below. BANKLIMITBALANCEAPRNOTES Virgin£6100£zeroN/Adid long term balance transfer…
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Alliance & Leicester - Overdraft for Stooze.
Hi all, First time stoozer, I had a quick look on the forum, and understand the concepts etc. Couldn't see any thoughts on the current A&L £2000 0% overdraft for 12 months. The way I see it: Month 1 Open account - pay in £500 Pay myself £2,500 (into my mortgage offset account) Month 2-12 Pay in £500 on the 2nd Pay out £500…
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wishes to be debt free
been refused credit card in sept and would like to know if i would be likely to be refused a loan to consolidate debt up to limit on cards (loan around 8000 needed)
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Help i have done something really stupid - need piece of mind
Help URGENTLY I think I might have made a huge mistake I have signed up for a First Millenium Platinum Card thinking it was a credit card until this arrived: Congratulations! You are approved! £5000 Unsecured First Millennium Platinum Merchandise Credit Line from E-Credit Plus! FIRST MILLENNIUM PLATINUM SHOPPING CARDS are…
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Santander - BT to card in another name
Hi I have just found out that Santander only allow BT to a card in my name. I would like to move a balance in the other half's name onto this card of about £7k. I don't currently have an Egg money account. Ideally I would like to avoid double BT fees and/or another application for a credit card. I have an empty Nationwide…
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balance transfer
Hi, I hope someone can help me i have an overdraft of just under £2000 i don't use the account anymore but am putting in money every month but about three quarters of it is eaten up in charges, what i want to know is could i get a balance transfer from the bank to a 0% balance transfer credit card hope this is…
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cc best rewards
Our company regularly spends £4000/month using a credit card which we pay off monthly. It seems a shame not to benefit financially from this. Does anyone know what cc would give us the best bonus &/or be the most profitable to use? All advice would be appreciated Many thanks Lafinca
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Overseas purchases and transferring to a 0%CC. Is it possible?
At the moment I have a post office CC which has 0% commisssion on overseas purchases for 3 months. At the end of this period can I transfer this type of credit to a 12 month 0% transfer balance CC in the same way as you would with a normal CC balance transfer?... I've got no idea and don't know how to find out!! Thanks
