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Applying for more than one card
A family member is coming up to the end of a 0% promotion and has in excess of £4600 to transfer to another card. They have appplied for an Abbey 0% for 15 months and have been excepted, but they can only transfer £2800, so would they be refused another card application on the grounds that they have already been excepted…
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No Fee on 0% Credit Card?
Does any-one know of a current 0% Credit Card which does not charge a balance transfer fee? I've looked at http://www.stoozing.com/0fees.php which does not show any. Given the current interest rates etc, even a fee of 2.89% over 16 months (Virgin), I have calculated that for my personal circumstances, I would make me a…
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yikes, have I been a bit hasty?
Hi, I ve decided to give this a go, I have just applied - and been accepted for the Egg Money card, but I note tha this seems to have changed and now has a £1 charge monthly (I assume this is only when you have a debt though). I have read through the charges etc but am not sure if this card is still advisable to use as the…
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Virgin - late debit card payment
I made a stupid mistake and as such don't deserve any sympathy. I am just trying to figure whether there is any remedial action that could be taken: I have 0% on purchases until September but have only accumulated a modest amount (£480) and don't intend to use it for further purchases. The due date falls on Saturday 25th.…
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I broke the never spend rule!
I took out a Virgin Card last year, 0% on balance to Oct 09 and 0% on new purchases till Feb 09. Unfortunately due to being lumped with separation costs and dire circumstances, I had to spend. They gave me a whopping 22k spend limit. Anybody advise options? I thought about transferring the new purchases to aa new card or…
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Does Egg World Masercard charge for moving positive balances to current account?
I know that there have been changes made to Egg Money card when it became Egg World Mastercard. But I am not sure whether it is still possible to transfer positive balances from the Egg card account to a current account without incurring a charge. The reason I need to know is because I want to take advantage of a…
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MBNA play card
Hi, Just received my card today... and under super balance transfers, it seems they are allowing transfers with 6 months 0% (until 08/01/10) for a fee of 1.5% My limit is £5000, so i was assuming i could transfer all this... fee = £75 (not sure how this is paid??) min repay = 3% I've put the details into my one account…
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Interest calculators
I have a loan with an outstanding balance of around £4k and I'd like to pay it off with an Egg card and then use the interest free period to pay off the loan. Can anyone point me to an online resource or an Excel function that can calculate how much the interest will be over the period remaining so I can work out how much…
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Stoozing?
Can anyone give me advice with stoozing please? Can i do a balance transfer from any normal credit card onto a 0% card and transfer the money on now on the normal card into my current account then into a isa without any charges?:confused:
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Abbey Credit Card
Does anyone know what the minimum payment is on the Abbey CC, i.e. i was paying £25 a month on Virgin money with over 4K, just need to know what to expect from Abbey. Thanks.
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Smile (not!)
Following MSE recommendation, I opened a Smile card on-line. This is the Co-op's on-line credit card facilitiy. Unfortunately they were really bad about making it possible to pay the first balance (in full!) before they were able to set up the direct debit. They refused to give me a paying in slip. We managed in the end to…
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Abbey existing customer BT offer
I haven't used my Abbey card for some months due dire customer service. Out of the blue, the bank has offered me 0% on BTs for 12 months with no handling fee. Transfers can be arranged by phone or post. Any advice as to which route is safest?
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Saga Platinum Cash in Europe
saga platinium does not charge interest on cash withdrawals if cleared by the due date. Also if you pre-load there is no cash withdrawal fee.:j
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bmi american express
does anyone know who does and doesnt take the bmi american express credit card. thanks
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Stoozing - How well did you do?
So here we are at the beginning of another tax year. But if you were stoozing during 2008/9 tax year, you should now have had your interest calculated!!! So how did you do? I have been stoozing since Sept 2007 on my Halifax Credit Card / Halifax ISA and during the tax year 2008/9, I earned £126.66 interest on Halifax's…
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3 bank accounts
Im just wondering if this is possible 1) pay £1,500 into First Direct get the £100 bonus switch after 3month get 2nd £100 bonus meanwhile 2) each month take the £1,500 out of the First Direct a few days after depositing it and put it into Halifax get the £5 flat fee 3) take the £1,500 out of Halifax and put in Abbey…
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Low Rate Credit Card VS Loan
Hello all ,never posted before so here goes! I'm hoping to buy a car and need to borrow about £6K. Should I use a low rate credit card APR 6.8% or apply for a loan for this amount? I think the best rate is 7.9 % ( If I even got that rate ). Have checked credit rating and its excellent. Also if i took out the credit card,…
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Naive new question
I have just got a new BT card (really MBNA), I really on got it as an emergency card for my son. But they've sent me cheques for using and advise I can use them for balance transfers. So can I really write a cheque, use their money to open an interest saving account, and then sit back and take their money for a year? I…
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Avoiding interest on credit card cash withdrawals
The only thing that's not zero on the Santander Zero card is the interest charged on cash withdrawals. Am I right in thinking that the interest can be largely avoided if I pay off the full balance as soon as a cash withdrawal is made?
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0% cash with 0% credit card balance transfer
Hi I've just transferred a balance onto a Virgin credit card and they are offering payments of cash into a current account at 0% for the duration of the balance transfer deal (16 months). I can't help thinking there must be a catch although of course they say there isn't! Does anyone know anything about this offer and if…
