whats the best stooze card at the moment?

goldmercury

As titled looking for the best stooze card?

SiuLoong

Depends on your situation.. best to read the articles here and on Stoozing.com and using the tables decide for yourself.

Moggles_2

To maximise the 0% period, the15 months currently available to new customers from Virgin takes some beating. There's a 2.98% handling charge of course.

If you're looking for a totally free BT, I can recommend the Ulster Bank Gold card (not to be confused with the Ulster Rugby card, which is a completely separate animal run by the Bank of Ireland.)

The Ulster Bank Gold card offers interest-free BTs for 6 months from account opening and there's no handling fee. Issued by the Royal Bank of Scotland, they're well worth considering for balances under £4,000.

realaledrinker

Abbey Zero - 6m 0% on BTs and purchases. No fee. I got a £10k limit which is above my average

Walletwatch

Frankly, what we need to be asking ourselves is whether this is the right time to embark on a stoozing activity in the first place. I can tell you last month, I spoke to two of my fifteen credit card issuing banks for an increase in my credit limit (I have near five figure credit limits with three of them and around 5000 pound limits with the rest), and I got a consistent message that I was daft trying to get a limit increase in the current environment. I stopped there, since everytime you apply for a credit limit increase, like it or not, there is a credit check against your name, which counts against you for any future credit application you make...

sicker

I tend to agree with Walletwatch but strangely enough I have just managed to get an increase from £6000 to £9000 from MBNA for a balance transfer I required (could have lived without it) for a portfolio purchase which is already increasing daily. (long may it continue).

YorkshireBoy

I agree that lenders may be exercising caution, but there will always be exceptions.

I've recently secured a 30% credit limit increase from Ulster Bank without an external credit search (at the same time as I got a 0% for 6 months fee-free follow on deal ).

There's life in the old dog yet!

emgunn

I took out the abbey zero credit card in may, balance transferred over my old cc due to great rate. Am I getting this wrong - I thought you didnt pay any interest on purchases or cash out for the first six months but Ive been charged £5 interest - as normal cant get through to someone there to speak too

Please help! I cant afford to keep paying interest and Im trying to get rid of it as quickly as poss. Am I being taken for a ride!?

YorkshireBoy

emgunn wrote: »

I thought you didnt pay any interest on...cash out for the first six months

Not sure why you thought that, since the summary box says...

There is no interest free period on Cash Transactions,...

http://www.abbey.com/csgs/Satellite?c=GSDetalleProducto&cid=1157698188950&idParent=1157698106817&pagename=Abbey%2FGSDetalleProducto%2FGS_DetProducto

Am I being taken for a ride!?

Yes, but you bought your own ticket!

Your cash advance interest is accruing at 25.9% APR, and the cash advance will be the last item to be paid off, ie it's locked in there now until you clear the card.

sabretoothtigger

Abbey's new Zero credit card charges no fees for balance transfers, foreign exchange or cash advances, and offers zero per cent interest on purchases for six months.

The Abbey fee for foreign exchange is usually 2.75 per cent, and its balance transfer and cash advance fees are ordinarily 2.5 per cent, or a minimum of three pounds. The Zero Abbey credit card is the only one on the market not to implement any fees for balance transfers, foreign exchange, introductory nought per cent on purchases, or cash advances all on the same card.

After the initial six per cent interest-free period on purchases, the card reverts to 18.9 per cent on all purchases, and there is still a fee of £12 for making late payments, having returned cheques, and exceeding the credit limit.

hrmmmmmmmm

Introductory APR Offers

Intro Rate Intro Period Purchases: 0.0% 6 months Balance Transfers: 0.0% 6 months Cash: 25.5% n/a

~Chameleon~

I've had two cards refused now in the space of a month - Abbey Zero and Virgin

Applied for HSBC tonight but awaiting a decision, don't feel confident though.

Are there any more decent 0% cards I can try whilst in the process of slaughtering my credit rating for the next 6mths? :rolleyes:

I may as well try for what I can as I won't need to make any more applications for another 12mths

Oh, already got:

Barclays Platinum - 0%
MBNA - 0%
Tesco Finest - revolving balance
Egg Money - revolving balance
Nationwide Classic - zero balance
Egg Visa - zero balance - thinking of closing
M&S - zero balance - not sure whether to keep or not

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