I have just...

GirlRacer_2 · 4 March 2007 at 12:19PM

Would love to try that, but can't get an interest free card. Don't really know why though. Been going through my credit report with fine tooth comb, found a few errors (i.e only got me listed at my current address for one year instead of 10 years, and an old CC that had been settled years ago but not marked settled at CRA). I did try applying for a few interest free cards so think this may be the problem. Are there any companies out there that are not really strict with their lending criteria that I could try?

Bambywamby · 4 March 2007 at 12:23PM

Well done you :T

Cutting up your CCs is a fantastic step towards debt freedom.

No more paying companies thousands for borrowing hundreds.

JAMIEDODGER · 4 March 2007 at 1:13PM

well done! cutting the cards up is a great feeling!

Joek_2 · 4 March 2007 at 1:41PM

Bravo!
I did it last week - brilliant. It's so dumb that it's got to this point where I have suddenly found out how to actually be sensible with money.

But it is a good, good feeling. I can't use them anymore (and because they were all maxxed out anyway, I couldn't even use them online!), and that's got to be a good thing.

LookingAhead · 4 March 2007 at 1:49PM

Ahh brilliant.

Loved chopping up my cards too and I haven't regretted it for minute since doing it (last November). When you pay off the final amount on the balance you'll feel great.

As for therapy...well...I'm sure you are a bright person, you can get your imagination working to find other things to do rather than the National Hobby of shopping

.

Well done again.

sammiboo · 4 March 2007 at 2:44PM

GirlRacer wrote:

I did try applying for a few interest free cards so think this may be the problem. Are there any companies out there that are not really strict with their lending criteria that I could try?

Have you tried the virgin card, applying on line. i think their offer runs out sometime this month? Its a good way to get your debt down if you can trust yourself to use it in the right way. its also nice know if you pay off a £100 you are paying off £100 not give them £100 and you are really paying off £70 and £30 is just interest.

omg_3 · 4 March 2007 at 2:51PM

I cut ALL of my cc cards up 32 months ago. Best move i have done on the road to clearing my debt. I just use my debit card from my current account.

IainBUK · 4 March 2007 at 2:59PM

Lilboo

good for you girl -- one less headache to worry about!!

--

Best thing to do when you want to stop yourself using your credit card people

stick it in a bowl of water, put the bowl in the freezer and if you want to use it you will have to wait for it to thaw out

GirlRacer_2 · 4 March 2007 at 3:19PM

IainBUK wrote:

Lilboo

good for you girl -- one less headache to worry about!!

--

Best thing to do when you want to stop yourself using your credit card people

stick it in a bowl of water, put the bowl in the freezer and if you want to use it you will have to wait for it to thaw out

I done this a few weeks ago. However got home from work the following day only to find another card from Halifax, apparently the one I froze was due to expire!!! Had to defrost them all and re-freeze them with the new Halifax card:rotfl:

bigfella18 · 4 March 2007 at 3:22PM

well done you!!

I have just...

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