Sub Prime Credit Thread Part II

PROLIANT

Sammy_Girl wrote: »

Wakey, wakey, rise and shine

It's brass monkeys out there :eek: Hope everyone is all tucked up nice and cosy in bed

I have been up since 7am, hoovered the living room etc.

Sammy_Girl

PROLIANT wrote: »

I have been up since 7am, hoovered the living room etc.

Blimey Mr P, that's good going for a Sunday

I have a question. I have about £1200 outstanding on my Amex with an APR of 17%. I also have a £1500 o/d facility with A&L. If I use this o/d I get charged £5 a month. Should I use this o/d to pay off the Amex? It would work out cheaper with regards to interest, but I don't like the idea of using that much of my O/D, and then knowing my luck I wouldn't get paid on time at the end of Feb to cover all my payments :eek: What would you do?

PROLIANT

Paying off £1200 @ 17.5% will cost you £210 over a year, move it to your A&L overdraft will cost you £60 over a year.

Sammy_Girl

PROLIANT wrote: »

Paying off £1200 @ 17.5% will cost you £210 over a year, move it to your A&L overdraft will cost you £60 over a year.

So I should move it to A&L then?

I thought that would be best. It's more of a pyschological thing I guess. It's like my bank account being overdrawn means I'm seriously skint lol.

So what's your plans for today?

PROLIANT

Sammy_Girl wrote: »

So I should move it to A&L then?

I thought that would be best. It's more of a pyschological thing I guess. It's like my bank account being overdrawn means I'm seriously skint lol.

So what's your plans for today?

Well, I am taking my G/F out for a Pub Sunday lunch then just getting sorted for work in the morn, you?

Sammy_Girl

Lucky G/F lol. Curry last night, pub lunch today!

I'm going to take my dog for a nice long walk in a few minutes. Then I'm seeing my friend and her little baby boy. I want to get down to Bluewater to get some stuff for my holiday, so I'll try and squeeze that in today. Plus I have a mound of washing to do :eek:

Who said Sundays were for relaxing lol

kiora

Morning all

Mr P your very domesticated, I noticed the other thread has moved ???
Had a very quiet w/end so far going to have lunch with DD at pub otherwise catching up on chores.
Sammy, dont go mad in Bluewater lol

clio

Watching the match me like, as so should you be as well MR P and G/F should be as well lol

sutton111

clio wrote: »

Watching the match me like, as so should you be as well MR P and G/F should be as well lol

Get ready to throw yourself in the Tyne if you lose clio.

alfred64

ICan'tStandIt wrote: »

What does that have to do with credit cards ?

You are new here, obviously.

To others unfamiliar with the sub-prime credit card thread: yes, cards and associated problems are frequently discussed here, but beware; to the unwary it can sometimes feel as if you have stumbled in the midst of the most private of conversation or entered a weird, scatty chit-chat world.

When I first encountered this thread I was a little surprised at the off-topic chat but quickly came to realise that it is exactly that which is compelling - and sets it apart from anything else on the forum. There is a friendliness and a warmth here that anyone lucky enough to stumble upon would do well to encompass and hold dear. Please don't knock it.