-
BT from MBNA to Current Account via Mint - can this be done?
MBNA have agreed to reduce their BT fee from 5% to 3% if I do it as an actual transfer against another credit card balance, or 4% as a transfer to my current account. I have small balance sitting on my Mint card (say £5K) which I do want to pay off but I was also looking to transfer an additional amount to my account for…
-
Paying for car with credit card
Hi, I need some advice. I would like to trade my old car in, in January with the scrappage scheme. The hyundai dealer does not take credit cards but will take debit cards. I need £5000 to go towards the £2000 scrappage allowance. Can I apply for a credit card then pay a cheque into a bank and use the debit card to pay the…
-
Work expenses on card
Hi, My job requires that I pay for some expenses which I claim back at the end of the month. These are usually between £250 - £400 Per month. I can't really afford to pay this up front anymore. I don't qualify for a corporate card. I have started to use my Tesco card for this, but as I'm a bit new to credit card I don't…
-
Is stoozing still worth the effort?
I have had an amount in savings for over 2yrs stoozed off my original CC BT and making the repayment from another source. I've kinda got used to the balance sitting in my savings account now. In Dec my virgin 0% ends. Because of the fees charged now and the savings interest being so low, is it worth trying to find another…
-
Mis-sold Credit card
Just want to pick you clever peoples brains if I may. I have a credit card which I took out in 2003, purely for the purpose of needing it for an imprint when renting a car for a holiday in Europe. I was on income support at the time, so I was grateful to my bank for helping me out (although strictly speaking they shouldn't…
-
HBOS 0% BT purchase offer - pre selected / approved
[FONT="]I got a call yesterday from HBOS offering me (as a valued customer!!) a pre-approved 9 month % purchase and 6 month 0% BT offer. According to the advisor the BT is fee free if I apply in the first few weeks. I'll wait until I have this in writing, but I've previously had generous limits from HBOS so I have my…
-
Credit Card Settlement Bartering
Does anyone know whether you can barter with credit card companies for settlement in full on balances? I have recieved a small windfall £10k and would love to clear and close my 2 Credit Cards to prevent getting in the same mess but they total balances come to just over £11k (5600 & 5400). Do you think the Credit Card co's…
-
Virgin 9months 0% NO FEE
Following Martin's mail this morning, I quickly popped on and put an application in and got £3k. Great. However, I had to estimate the BT amount for two CC's and I put in a higher figure. I always pay the cards off each month, so I have no idea what exactly will be owing when the transfer goes through, but we are doing…
-
£30 free with Barclaycard Goldfish
Did anyone sign up to this where you get £30 in vouchers after 3 months? I havent had mine yet but I have paid 3 months off in full over £100 each time.
-
Big purchase on a 0% card, any advice?
Hi all, I'm getting a bit confused with my options on here and hoping people could advise. I have in the past paid for my car insurance in one go using a 0% credit card and paid the balance off in full each time to avoid all charges. This year it's about £300 and I plan to do the same trick but wondered about doing the…
-
A free mule ride
I'm actually trying to setup a credit card loan, gives me greater flexibility of over/under payments etc. Baclaycard Life of balancer transfer, currently 6.9% seems to be best on the market plus it seems to be lower than all personal loans. I already have this card, and have checked and the offer is open to me. However the…
-
Has anyone negotiated an extended 0% period?
Mine's coming to an end (M&S) and wondered if they would consider extending it. Has anyone ever managed this? If not, I will get another card as I only use them to collect rewards and pay balance every month. Just thought that in these times that might do anything to try and keep some custom although I appreciate I'm not…
-
When to stooze with upcoming mortgage application
I have 0% BT card with £10k on it coming to an end on 1st January. I would like to apply for another card shortly to get it in place for then. I've got good credit rating and never had problem previously apllying for cards However am just starting process of moving house over next few months (have just had offer accepted…
-
Egg Money negative cash back with positive balance?
Hi, I have searched this forum for similar items but failed to find anything, so here goes: Last month, I used my Egg Money account for stoozing and had therefore a positive balance before transferring to a savings account. When transferring, I called customer service and they say I should not go into negative balance when…
-
MSE News: 'Stoozing' primed for Oxford English Dictionary
This is the discussion thread for the following MSE News Story: "The word 'stoozing' could soon find itself in the Oxford English Dictionary (OED). It is used by MoneySavers to describe borrowing cash on credit cards at ..." Read the full story: 'Stoozing' primed for Oxford English Dictionary
-
Bank error
Can someone please offer me some advise?? I was paid a small bonus from my job in August but the amount i recieved in my bank account was not what payroll sent. My payroll office sent me a print out of the transaction which showed the amount they sent to the bank was more than what i received. Even after showing my bank…
-
Credit card cheques?
Having read up on here I applied for my virgin card (16mnths) and it has now arrived. I was all set to do an SBT (4% fee) but when I checked through the paper work and found I could order credit card cheques that came under the same 0% 16mnths deal but with a 2.98% fee. Have now ordered these and planning to use them to…
-
Applying for 2 credit cards
hi - what are my chances of applying for 2 credit cards within days of each other; namely the virgin one (16month free interest and the nat west platinum (15 month free interest and I am a nat west customer) please? Is there a place on the form to state what credit I would like? thanks
-
Finding my first Credit Card for a balance transfer
I currently have an overdraft of £940 with Halifax - but I hear they are going to be changing the account over so it will charge me £1/day for every day I'm in my overdraft which is ridiculous. So I'm looking for a card that I can do a balance transfer on from an overdraft. If I can't find one that allows me to transfer…
-
Potential free credit from AMEX!!
Only applies to existing AMEX card holders!. My friend holds a platinum AMEX cashback card and out of the blue called AMEX to cancel his card because of the introduction of the dormant fee. AMEX basically offered him £30 credit on his card not to cancel the card and when I tried my luck today I was offered £20 credit on my…
