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MBNA to Virgin 0% transfer - possible?
I currently have a 0% MBNA which expires next year. Would I be allowed a 0% transfer to Virgin (either direct or via a third account)? I suspect not as they are run by the same company. So second question - how long would I have to wait after cancelling the MBNA card before applying for the Virgin? Could I do it straight…
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How long til I can be a new customer?
I am about to transfer a couple of balances and this will leave 2 of my cards with zero balances and then I will be transfering 2 more onto one of these if I get any B/T offers (I have always in the past when I cleared the balance) This should leave me with MINT Tesco and HSBC cards with no balance. Does anyone know how…
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Mint offer - 0% and no BT Fee til June
Just received an offer from Mint as the subject says - not an overly long period, but it's free money! Hopefully we'll start to see a return to more capped and reduced rate BT fees if the interest rate continues to drop.
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Egg Money- transactions timing problem?
The problem is that the transactions do not appear on tha statement in the order that they were made. I took some cash out in the morning when I had a positive balance and I paid at the supermarket at 8 o'clock in the evening, and the purchases put me in the negative. This transactions appeared the other way arround on the…
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Possible to increase credit limit during promotional period for purchases?
Hi there, I have a Halifax All-in-One card with a £1800 limit on it. I'm currently putting all my purchases on it. I am definitely able to pay off the entire sum on it at the end of the 9 mth offer, so don't worry about getting me into the debt spiral! Currently I have a Direct Debit set up for minimum payment. Was…
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Paying by credit card and company won't take card details over the phone
Can anyone help? I have ordered items from a company in Belfast (I live in Scotland.) The amount is fairly large so can't pay it by direct debit. However, when I went to pay it, the company won't accept my Mastercard over the phone- ie. remote payment. I contacted my credit card provider and they stated there is nothing…
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To BT or not to BT now interest rate is dropping
Hi! This is my first post so I hope I've come to the right place. Last year, at the brilliant suggestion of this site, I took out an MBNA card with a 0% BT then took up their offer of a BT into my current account. This means I have roughly £4300 currently offsetting against my Woolwich mortgage. At the time I paid the 3%…
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Virgin CC balance transfer to Egg money account...advice please
Hi, Want to buy a used car but didn't fancy an expensive loan. So I have recently applied for a Virgin credit card. I plan to do a balance transfer to my Egg money account (£0.00 balance at the moment). I was hoping to use Virgin's 16 month % on balance transfer deal. I pay 2.98% handling fee, but once the money is in my…
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Query: 0% on purchases - does this mean I only need to pay the minimum?
Hello! I have just received a brand new card with 6 months 0% on purchases. Right now, I have spent about £2000 on the card (all on purchases). Do I have to pay off the full £2000 this month, or just the minimum repayment to avoid interest charges? I'm not sure how this all works, but from the stoozing articles I've read…
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First Direct Application with a Stooze Pot
I currently have a low mortage where the balance is less than one third of our salary. I also have a stooze pot that is worth more then my mortage just under 50% of our salary with of course the stooze pot all sitting in high interest accounts. Now I could apply for the min mortage at FD in an offset account at very low…
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Skycard - extended 0% period
A year ago I took out a Skycard; purchases have been at 0%; my 0% period ends in March. To-day, I received a special offer: 0% Skycard cheques, which attract a one-off fee of 2.99%. The 0% period will end on 1st Dec. The fee, so I have been told, will not accrue interest. The cheques, which are valid until the end of…
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Super Balance Transfer & Simply Spend
Just wanted to check, is there any reason that you can't do the "Super Balance Transfer" & "Simply Spend" methods at the same time with differant cards?
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Post Office 0% BT for 15 Months
Just been in local PO and picked up their leaflet PL3513. The 'headlines' just caught my eye "0% balance transfer for 15 months ....". Obviously some conditions and only posted for those still into Stoozing and might be interested.;)
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Suggestions before the 3% rate gets worse
I'm just wondering where stoozers stand on this recent rate cut. As a tax paying, small time stoozer, is it still going to be worthwhile holding the funds if rates keep dropping? Some of the BT fees were 3%, which means I need at least 3.75% gross interest just to break even on those. As a small time stoozer who doesn't…
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ATM Charges in France
My daughter opened a Nationwide Debit Account as it claimed no charges are made for withdrawals abroad; she is off to France for a year so this idea looked good. Unfortunately, whereas Nationwide don't seem to be making charges on ATM withdrawals, she is being charged by the ATM provider in France. My question is, -"Are…
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Cashback For Business
I am a small business and was wondering if it was possible to obtain a cashback credit card in my company's name. Can you help?
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Stoozing into FD mortgage from Virgin card
I suspect this has probably been asked before but I'm struggling to find it and would prefer answers to my specific query if I am to convince OH that this is an excellent idea! We owe 157400 on First Direct offset mortgage (5.25% interest rate) OH has just been given a Virgin credit card (£20100)!!! We need £2600 of that…
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Lloyds TSB Amex Duo - Airmiles for 0% BT
Just had a letter in this morning "reminding" me about the "full range of benefits" in using the card. They're also offering me a 0% BT for six months, usual 3% fee. And 150 Airmiles for every £ 1000 transferred. Rate available till 3rd April. Have significantly reduced my use of the Amex Duo card since I got the HSBC 0%…
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A balance transfer question, possibly stoozing?
I've read the article on stoozing and have a question about the egg card bit. Is this bit really necessary? I woudn't be putting the credit card money into a savings account, I'd be using it to pay off my overdraft so could I just transfer the money straight into my current account or would this somehow incur me extra…
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BT Transfer to 0 Balance Cards...
Can someone tell me if I can do the following... I haven’t stoozed for a long time and things have bound to have changed.... Capone have said I can B/T for 12 months 0% 3% Fee. I have 16k Avail and have an Abbey Card also at 16K. Both are currently near 0 in terms of balance. Question is can I transfer the 16K to Abbey…
