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How much credit can you have?
Hi, I am about to apply for a new card to do some balance transfer, so hoping someone could give me some feedback on my report as I don't want to get a rejection. I've checked on Experian my report shows: 1 missed payment on a CC (missed a £5 payment while on holiday). 10 credit accounts, 14 searches in last year, 0 in…
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Mint-beware!
I have just transfered a balance to MINT using their offer of 0% balance transfer with a 3% balance transfer fee. I opened my statement this morning to find I had been charged interest on the transfer fee!? They informed me on the phone that the transfer fee is treated as a purchase and intererst will be charged on it for…
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Tesco Credit Card Con?
sorry, incorrect info posted
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Smile Credit Card - I'm not smiling!
I just got my new smile credit card through, it's taken quite a while for the application. I had to activate it online and couldn't remember what my security code was. So I called them, they were so rude to me and I got about a 20min lecture on the importance of protecting against fraud. I understand what they are saying…
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CallCredit - Statutory credit report questions
Over the past few years I've applied, and of course received, my CRA reports from both Experian and Equifax. I've always applied online without any fuss or bother. I've yet to bother with CallCredit. Two questions: 1) Am I being blind in failing to find a place on CallCredit's website where I can order it online. Or must I…
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getting credit card to pay loan can you help?
Hi, I`m wondering if any one thinks its possible to and if so is it a good idea to apply for a credit card with 0% on purchases to pay my loan off.I have 18 months left on my loan so I thought maybe I could get a card offering 0% for 9mths then after 9mths change to another card offering 0% on balance transfers.Also I dont…
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FSA/Banking code etc query
I've been having a few issues with GE Money being arsey with me. So, I decided to pay off a chunk of the balance we owe them using a Barclaycard 0% cheque. However, GE Money have returned the cheque, accompanied by a badly photocopied letter which states that they're unable to accept credit card cheques as payment! I've…
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Balance Transfer Amounts
I currently have the required Egg Money Card with a credit limit of 2300, and another old credit card with a limit of 3700. Both get paid in full each month and pretty much have done since I got them, a few times I forgot and got interest (always did min. payment). I want to open an Abbey Zero card to top up my ISA…
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somethin eggy abt egg
Egg card keeps charging me an overlimit charge (£16) even though i bring my usage to below the limit 2 weeks before the statement is produced. :mad: Can i also reclaim from from on over limit and late payment charges?
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when can I get 0% ?
HI all I do not have any default or ccj in my credit file, but have few missed payments in the past just been lazy really. how long before I can get accepted for 0% deal? a year with no miss payments? or more? I am registered in the elctrol for less than a year in my new address, I know the longer Iam in my current address…
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Balance Transfer Advice
I am coming to the end of the Virgin 0% deal. I stoozed almost £6500 at 0%. I'm not sure what to do now that I owe £5800 and the deal ends in March. I have a Barclays Platinum Card that I used to get 2% cashback, (that deal has now ended). So I asked them what balance transfer deals they have. They offered a 0% £5000…
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MBNA 12 months 0% on purchases
Hi I spotted an MBNA card in one of Martin's articles which was 0% pn new purchases for a year. The article said you could only apply for it through money supermarket. I think it may have been called platinum exclusive? But I could be wrong. Anyway, I applied for the card and it said I'd hear from them within 7 days. Well…
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stoozing on an off-set mortgage
I am coming to the end of my studies and am looking at buying a house (hopefully) later this year or early next. i worked out that it would probably be best to get an off-set mortgage. I have been stoozing with my student account, HBOS £3000 interest free :grin: , and am now wondering if i could do this with an off-set…
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Looking to apply for new credit card - credit limit question
Hi all, I'm thinking of applying for the M&S card (0% purchases for 10 months) so I can continue my slow stooze. I have 4 credit cards with limits amounting to approx £31k (plus an additional £2k overdraft that has never been used). In the last week I have just closed one down credit card that had an approx £7.5k limit.…
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How to work out my stooze with One Account and interest rate changed?
Hi, Hoping someone can help me work out where I am with my stooze please? I remortgaged to one account from Sept 08 and from looking at the calculators worked out that stoozing was going to earn some extra money. I've got: - a Virgin Money card, £9000 limit 0% until Dec 09, and did a money transfer 18/9 for £8550, the…
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Stoozing and credit checks
I've just got myself an interest free for 16months credit card and I'm planning on using it to pay some money off my mortgage so I can let my flat as OH and I are buying a house. Hope that makes sense. We can't get a new mortgage until we have consent to let from our current lender but we need to reduce the LTV by paying…
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Cashback better than stoozing ?
Dear All, I have been trying to compare a lot between Stoozing & Cashback card. See, you go for a 1 year Stoozing. You spend £500 a month. Pay the minimum balance & put all the remaining money in a savings account, it offers you max 6%. End of the year you get £15 gross interest which is £12 after tax. Spend £500 a month…
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Credit Card Holiday Payments
If I Pay For My Holiday Using My Son's Credit Card, Does Section 75 Still Apply If Company Goes Bust Or Any Other Problems
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When to apply for new cards?
Hi all. I currently have 4 cards, comprising of: Egg Money - which I use for all purchases, paying off in full every month, Halifax, Barclays & MBNA - all of which I have use for 0% BTs. The latter 3 cards' 0% fee free period all end around end of May 2009, so obviously I need to apply for 3 or more new cards to transfer…
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British Telecom Super Balance Transfer card
Maybe not much use nowadays, what with saver interest rates being so low, but British Telecom have a new card (run by MBNA) which has 0% on balance transfers for 10 months (1.99% fee) and more importantly you get the exact same deal on cash transferred to your current account...…
