My Debt Diary

James240

southernscouser wrote:

Hello matey! :beer:

I've got a Tesco loan but it isn't flexible. I also phoned them about the promo 5.9% to see if they would reduce my rate but apparently you have to be a homeowner for it!

I'm sceptical about 0% cards now for 2 reasons. The first being the fee they charge. If you have to do 2 transfers to new cards a year you can pay upto 5% in fees. American Express do a card that has an APR of 4.9%! :rolleyes:

Also the risk of not being accepted for a new 0% card and then being charged 12.9% or something crazy like that is too much of a risk for me. I'd rather take the safer option of a low life of balance transfer card!

But hey what do I know? I'm nearly £30k in debt! :rotfl:

cheers mate didnt spot that u had to be a home owner for it do u know if American express are still doing the card for 4.9% for life of the balance??

James240

Alicatt wrote:

If you're looking for a new loan, check out Northern Rock - last I heard they were 5.8% and ARE flexible with no additional penalties. Only downside is their bullying tactics when it comes to their Loan Insurance - just stick to your guns and say no and eventually they will give in as long as you sign a disclaimer.

Keep up the good work.

Ali
x

many thanks alicatt :beer:

southernscouser

James240 wrote:

cheers mate didnt spot that u had to be a home owner for it do u know if American express are still doing the card for 4.9% for life of the balance??

They are mate. Have a look at it through Quidco coz they are offering £40 for successful applications. I didn't realise until after I'd applied! :doh: :rotfl:

It's the British Airways one that is 4.9%!

James240

southernscouser wrote:

They are mate. Have a look at it through Quidco coz they are offering £40 for successful applications. I didn't realise until after I'd applied! :doh: :rotfl:

It's the British Airways one that is 4.9%!

many thanks mate will pop over on quidco and check it out cheers mate :beer:

James240

right had a no spend day today which is keeping me on the straight and narrow, still ploughing away with me over time and my monthly payment comes out on my loan soo n so thats more i can take off my signature :j

D&DD

Have you had a chance to apply for the BA card yet James? Look likes you're doing well still, keep at it, no slacking now

James240

just had a look on quidco and all i can see is the platinum one that is 8.9% on balance transfers

southernscouser

James240 wrote:

just had a look on quidco and all i can see is the platinum one that is 8.9% on balance transfers

PM fella!

James240

cheers mate :beer:

James240

ok had another good day today:j another no spender ooo im getting good at these :j doing over time tommorrow so wont be spending anything tommorrow either :j

still not heard from Capital one though