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mbna plat. plus card.
Hi Martin, i have just got rid of my mbna plat. plus card after about four years while paying off the balance they put up the interest rate from 17.9% to 28.0% without telling me. i suppose they thought they could extort more money from me. but no more. please beware of credit card companies raising interest rates without…
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Capital One no more 0% balance transfer
I applied for a Capital One Mastercard on the internet just before Christmas and the deal was 0% balance transfers for six months, when I got the forms to sign a few days ago they say 0% purchases for six months and 5.94% for life for balances transferred in the first six months. The Capital One website no longer has any…
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Using an MBNA card as a mule for SBT?
Good day, MBNA has informed me that if I pay more cash into their card than the balance, the card will go into credit. They will then transfer the money to a bank account of my choosing for free. Can anyone see a pitfall in this? It will take slightly longer, but seems like a good way to get stooze cash from my 0% balance…
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balance transfer
Has anyone started a balance transfer and then switched back before the first one has gone through? I plan is to move my current balance from EGG over to my A & L card and then back to get the anniversary 0% all before the end of the offer date in Jan. Both quote 10 days to arrange the transfers. Does any one know if i can…
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Have I ooopsed already?
Maybe one of you good people could cast a more experienced eye over my efforts so far… Status as of last week… Dh (main household income) has no cc or savings in his name. Mortgage is joint. 2yrs left on current deal. We have two joint current accounts, although only use one (HSBC). I have an egg savings (I don’t pay tax)…
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Average stooze pot size?
I have been reading up on stoozing all night and will certainly make a start with this myself, with the ING Direct instant savings account as stooze pot. My mortgage is still fixed rate and a lump sum overpayment has a penalty. When the fixed rate ends I will use the stooze pot to pay off the mortgage. But what I really am…
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Egg Card Balance transfers to Current Account
Hi Please can someone help me?? I have an Egg Green Card which i took out about 18 monthes ago - when I forst opened the account I transferred £4000 into my current account and then paid it back at the end of the six monthes interest free period! I know want to transfer some more money into my current account so I can pay…
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Have I stuffed my credit rating?
I'm building a nice little stooze pot and running some regular credit cards which I pay off each month. Last month I was stupid enough to miss paying my Amazon card - my own fault but I have to pay it through a secondary bank account as it doesn't show on the list of payees through my regular NatWest account. I have since…
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Stoozed cash + flexible mortgage = offset mortgage ?
Just about to remortage with Alliance & Leicester for £90k at a discount rate at 4.84 (.34 above base rate) for 2 years. It's a fully flexible mortage and allows me to overpay whatever I like, but in addition I can withdraw these overpayments if i want to. So if I'm reading it right I can use it as if it's a kind of…
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Egg Money as a stooze pot
These are general questions for the stoozers who use the Egg Money cc for stoozing. What are your experiences? Do you use it as a stooze pot, or do you transfer the money to a higher interest savings account?
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Credit card applications - maiden or married name?
If my wife wants to apply for a 0% balance transfer offer and we have only been married for 16 months, then would using her married name affect her credit scoring and should she use her maiden name? Her current account is now in her married name,but some other accounts/bills remain in her maiden name? LTSB has just turned…
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LTSB credit limit & Stoozing plan making progress
My Egg money card has arrived today. I've just posted off the LTSB credit agreement. I'm just waiting to see what credit limit they give me now. What sort of numbers might I see? £3K? Or am I asking how long a piece of string is?
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Is this possible?
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Stooze scenario
Hi there. Can you help with the following scenario? (Please forgive my basic questions - it's been a few months since I was into this). The scenario is: 1. Egg Green card - Balance £0, Limit £15k (just completed anniversary) 2. Virgin - Balance £14k, Limit £15k - approaching the end of 9 months interest free 3. Co-op -…
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Suitable Stoozing cards
Hi I used to Stooze. I didn't realise I was doing it, but apparently I was. I bought things with a Capital One card (when they used to give 1% CB) and then transferred the balance every month to a 0% card. I have an offset mortgage so the money making bit was simple. Things have changed recently with BT charging and the…
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Newbie= Advice needed please
Have applied today for Sains visa card. 0% interest for 10 months. Was offered £3,400 limit. Do I now apply for Eggmoney card and when get Sains card, transfer £3400 to egg? Does this mean I get 4% interest on £3400 for 10 months? Then presumbly pay £3400 back to sains in ten months time? Or have I misunderstood all the…
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MBNA bt fee £35 on £13K. Is this any good?
Hi there, Wondering if anyone can help me with this. Today I rang MBNA to close my old credit card account which I have had since 1997 but not used this century!! Having read this website I wanted to apply for a NW card to avoid charges abroad and thought it best to have a bit of a general financial tidy up. So the guy…
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Newbie question - getting started
Like many I have just become aware of this stoozing melarkey. I have a sainsbury credit card and spend about £1600 a month paying it off each month. I guess I have been stupid not to use a 0%, stosh the dosh and get some interest. I want to start making some interest but am not yet confident enuf to do the SBT thing. As a…
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Applied for Egg Green card in May 05 - 0% confusion...
All, I applied for my Egg credit card on the 4th May 2005 - I was understanding it to be a 9 month 0% credit card. I had a credit limit of 5.5K which I promptly stoozed. Anyway I set up a DD to pay off the minimum balance and forgot about it. So i got around to checking my statement online today and found that i'd been…
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stoozing..how do you??
How do you know which cards to apply for which do balance transfers straight into your bank a/c.? Most just do balance transfers from another card which I have done many times.But which are the best to apply for stoozing purposes?.At what stage of the application do they ask you if you would like the money paid into your…