SS's Debt Diary!

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  • D&DD
    D&DD Posts: 4,405 Forumite
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    Thanks Sleekit its a good 0% deal and every bit helps so thought it was worth a try Hopefully it'll be paid off so quick I wont have to contact them :eek:
  • southernscouser
    southernscouser Posts: 33,745 Forumite
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    D&DD wrote:
    SS did you say you had a virgin card?? (As in the branson fellow :rolleyes: )
    Have applied for one tonight online wondered if they are a good bet or not..are they fussy?? :D

    Not a Virgin one but have got an MBNA one! :confused:

    I'm very tempted to stick with low life of balance cards for the forseeable (sp)future!

    Was an interesting point brought up by someone else. Most cards require a 2% transfer fee. If you do this with 2 cards a year (2 x 0% for 6 months) that is 4% apr! Now say you get stuck like I have with not being able to switch a couple of grand you then get hit by say 12% apr. If you pay interest for one month you then knock up the fee to 5% apr!

    With a low life of balance card you could get 4.9%! Saves a lot of stress and worry!

    This only counts obviously if you are unable to clear the 0% card in the interest free period! :D
  • D&DD
    D&DD Posts: 4,405 Forumite
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    Thanks hun we tried the lowlife I mean life of balance one for OH but got turned down so applied for this one in my name as I have no cards :D Its 0% for 9 months and will really make some headway into our debts if we get it..IF :rotfl: The barclays apr is 21.6 and mstanley is 21.9 so anythings gotta be good :eek:
  • southernscouser
    southernscouser Posts: 33,745 Forumite
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    D&DD wrote:
    Thanks hun we tried the lowlife I mean life of balance one for OH but got turned down so applied for this one in my name as I have no cards :D Its 0% for 9 months and will really make some headway into our debts if we get it..IF :rotfl: The barclays apr is 21.6 and mstanley is 21.9 so anythings gotta be good :eek:

    Ouch! My Morgan Stanley is 5.9% for life I think! Have you tried asking them for a more competitive rate?

    If they refuse tell them you have been accepted for the 0% (provided you have) and you are going to transfer all the balance if they don't offer you something better!

    Then do the same with Barclaycard! ;)
  • D&DD
    D&DD Posts: 4,405 Forumite
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    Yep grovelled extremely nicely to both they said they'll think about it maybe in another 6 months...he's had them both for 5 + years now never missed a payment either :mad:
    Any hoo thanks for your help SS sorry to hijack your thread :D
  • southernscouser
    southernscouser Posts: 33,745 Forumite
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    Not alot to report for today! :confused:

    Didn't spend any money though! :j

    Still haven't heard from Amex! :doh:

    Thats all for now folks! :D
  • James240
    James240 Posts: 16,387 Forumite
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    Dont worry mate keep ploughing through it u will get there :beer:
    Savings Total so far for 2023: £8,062.58
  • southernscouser
    southernscouser Posts: 33,745 Forumite
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    Oooh! I lied! There is something else! :D

    It is exactly 6 months since I last used a credit card! :eek: :j

    I reckon I used them weekly prior to my lightbulb moment! Feels like a bit of a landmark! :p
  • D&DD
    D&DD Posts: 4,405 Forumite
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    Well done SS It's easy once you get used to it wish I'd done it a looong time ago! :D
  • southernscouser
    southernscouser Posts: 33,745 Forumite
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    Well I've still not heard from Amex! The *******! :rotfl:

    Todays spending is;

    £29.27 on petrol
    £2.30 on chewing gum
    £0.44 on a Bonio for me and the dog to share ;) :rotfl:
    £3.96 on toiletries

    Total of £35.97

    Still need to get my mum some daffs. Tescos didn't have any! :doh:

    And 2 weeks to payday! :j
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