Search found 6 matches

by Jamesd
Sun Sep 24, 2017 7:14 pm
Forum: Savings & Stooz Pots
Topic: P2P
Replies: 2
Views: 21136

Re: P2P

I'm still here but hadn't been around since late last year. Some updated P2P platform thoughts , updated for stoozing below. I don't trust Lendy (formerly Saving Stream) to provide sufficiently complete and accurate loan descriptions, so don't use them. The core discussion at MSE can be useful. No r...
by Jamesd
Sat May 07, 2016 6:28 pm
Forum: Coffee Lounge / feedback
Topic: Credit scores
Replies: 13
Views: 52656

Re: Credit scores

The Experian scores with Barclaycard come with a description of the meaning of the score (expand What is the Experian Credit Score?):

"Very poor 0-560
Poor 561-720
Fair 721-880
Good 881-960
Excellent 961-999"
by Jamesd
Sat May 07, 2016 6:44 am
Forum: Savings & Stooz Pots
Topic: tax free savings
Replies: 6
Views: 29373

Re: tax free savings

P2P is really the place to be to get the higher rates, easy to get 10-12% from places like Ablrate, MoneyThing and perhaps SavingStream, thought that is before possible bad debt, none of which has been significant yet for any of those relatively new providers. Just one default at SavingStream that w...
by Jamesd
Tue Mar 29, 2016 4:30 am
Forum: Stoozing Credit Cards
Topic: Closed account
Replies: 4
Views: 9161

Re: Closed account

I haven't seen that particular combination but card issuers do have costs relating to open liabilities for accounts so if an account isn't being used it an be cheaper for them to close the account. Occasional spending is likely to work better to keep the account open than a credit balance.
by Jamesd
Mon Mar 21, 2016 4:00 am
Forum: Stoozing Credit Cards
Topic: Virgin Money
Replies: 27
Views: 67870

Re: Virgin Money

StoozOrLose wrote:Think I'm missing something, why the shock face and the fee highlighted in red? Have I made an error I'm not aware of yet?
No error. The thread mentions a mule card and some others that you might consider so it seems to be just a suggestion.
by Jamesd
Mon Jan 18, 2016 8:42 pm
Forum: Stoozing Credit Cards
Topic: New CC application, should I lower existing card limit and apply at bank with existing accounts?
Replies: 9
Views: 13979

Re: New CC application, should I lower existing card limit and apply at bank with existing accounts?

I know of a Lloyds current account customer who's regularly getting pre-approved credit card offers in the post from them so at least some banks do try to cross-sell.

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