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New CC with less APR
Hi All, Ive had a Vanquis and Capital One CC for years and the limit has never increased. I was then offered an Aqua Card with 0% balance transfer and purchase for 4 months. Unfortunately the APR was 59.9% so I've used and repaid in full in the hopes the variable APR may reduce as opposed to limit increases, but capital…
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Balance Transfer
Hi, Could someone help with a quick balance transfer question please? I applied for a new credit card and did a balance transfer for the full balance of my existing card. I forgot that I’m due to make a payment in a few days time to my current credit card company so the balance left will be lower. Will the transfer be…
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credit card help
Hi I recently paid £60 remaining balance on Klana to start snowballing my debt with, I want to tackle one of our credit cards adding £60 to the minimum payments next. I got accepted for a fluid 0% interest card and wanted to do a balance transfer but to my frustration couldn't because the card is in my wife's name. I had…
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Is there a interest free card which allows me to pay tradesmen straight to their account?
I recently applied and received a Purchase Credit Card from Santander ( interest free for 23 months) as i am repairing a renovating my house and i thought i could get the work done then pay the tradesmen directly to their bank AND also use the card for large purchases such as Fridges and Cookers etc Unfortunately, it seems…
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Applying for 2 credit accounts in 1 month
I am travelling to the Caribbean in November and want to ramp up my Virgin points. I applied and was approved for the Amex Platinum charge card this month. I now got marketing from Virgin and have realised they offer 15000 point sign up bonus for their virgin reward+ card. I went into the Virgin eligibility checker and it…
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What 0% balance transfer offers are there from various banking groups?
I have a number of 0% balance transfer cards (Virgin, Tesco, HSBC, Santander) plus a number that were 0% that I have paid off (Lloyds, Halifax, MBNA). Does anybody have suggestions for other banking groups that might offer me a 0% balance transfer with 12 months or more? I realise that it's probably too early to think…
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Santander No Fee 0% BT Offer - Don't be discouraged by the MSE Eligibility Checker.
Just a heads up to others who may be in my situation. I saw the Santander 0% zero transfer fee card which would have been ideal for my requirements. After entering my details MSE eligibility checked gave me a straight 0% chance of approval. Undeterred, I immediately tried the Santander eligibility checker direct, which,…
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CC Balance Transfer, how long should it take?
Good morning, all, I took out a credit card yesterday (Capital One), to make a balance transfer from my Virgin Money Card ~ £1900 When I signed up, Capital One asked for the details of the transfer and the website said it would be done immediately It's not been paid yet and I have a £60 payment to make on my Virgin card by…
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Stoozing and Inflation
I stopped stoozing about 4 years ago with 40k stashed in various accounts. I'm down to 0 debt now. I was however wondering if now in this time of rising inflation is it a good time to start up again. Whats the current thinking on this?
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using balance transfer credit card to shift debt from x2 purchase credit card-direct debit question
I have minimum payment direct debits set up on my current account for paying my x2 purchase credit cards every month. Now that I am doing a balance transfer with both these cards, what happens to the direct debits set to pay purchase credit cards? Do I need to cancel them or Do they automatically cancel when the balance…
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minimum payment or pay full balance on 0% 21mth Santander balance transfer card, no transfer fee
I went for a Santander no transfer fee 0%balance transfer for 21 months. I will not use it on any purchases. I will transfer balances from 2 other 0% purchase credit cards which are coming to an end. My question is do I set direct debit up for minimum payment or pay full balance? With minimum payment will I still get…
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I literally just discovered this term like this minute. Any thoughts / advice on it?
A little context: I am unemployed and am renting atm. I have abank account, no credit cards and I do not use the credit card function on my Bank/Debit card; Seeing as how this 'Stoozing' thing is 0% Interest and I have seen that some people use it to profit, how in theory could one generate a small amount of money from it?…
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M&S Cash Offer
I signed up for M&S credit card back in November when they were offering a cash for doing so - can anyone remember the amount and how much had to be spent on the card to qualify. I spent over £200 in the first two months but havent received anything and when I queried, they asked me what the offer was!
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Is upside a trustworthy site?
Hi I use Quidco & credit cards for cash back. But recently heard about upside, where I can get cash back whilst using my credit cards. Win/win! But is it trustworthy? Does anyone have any experience or knowledge of this app? Thanks in advance Teresa
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Cash withdrawal abroad on Barclaycard affects your credit score.
If you use Martin's advise to withdraw cash abroad using your Barclaycard Rewards card you will, as he says, pay no interest if it is repaid in full. However, be aware that it does affect your credit score, as withdrawing cash on a credit card is deemed to show a lack of organisation and poor forward financial planning. A…
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virgin stooze posible
1800 limit virgin zero % all rounder. is it possible to make use of purchase or transfer or money, each 0% 12 mths. I don't have any other balances that warrant transferring from thanks
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Amex Chargeback Issue
I booked a holiday in August 2019 and paid a £400 deposit on my Amex. The holiday balance was paid in January 2020 (also using Amex) just before things started to go wrong with travel, so the holiday was delayed from March 2020 to March 2021. Then it was delayed again from 2021 to March 2022, in the meantime the…
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First Time Credit Card User: Advice Needed
Hello everyone hope you are all well and keeping safe 🙏 I am posting hear today as I have recently read the credit card stooging guide which I want to do but I'm unsure which credit card I need as I don't have any current debt to transfer to a balance transfer card but as my aim is to stooge will have to shift at the end…
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MBNA identity theft concerns?
I recently took out an MBNA card because I am entering an Arctic endurance race and with Covid and other risks I wanted the costs to have added protection you get when paid on a credit card. So I have tried to make three payments all of which were declined. The first two meant sitting on hold for 45 minutes to get through…
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Curve to start treating NS&I transactions as "Curve Fronted" from 7th October
Just in case anyone missed it, I recently had an email from Curve saying (among other things) that NS&I transactions will be treated as "Curve Fronted" with effect from 7th October. They are also capping Curve Fronted transactions to £10k per month for Metal customers.