A Payment A Day Part 4

Silaqui

Aw thanks FF :j

Angelicmary, yes I think they do if you apply for too many too quickly which is why I'm not sure whether to bother or not. I hadn't applied for anything card for a good year, checked my credit file and everything was green. So about a month ago I applied (and was declined) by Abbey, and then I applied online with HSBC through the internet banking thing (and declined again) :rotfl:

It would just be nice to have a cheaper rate to get this A&L card paid off quicker, as it's at 24% at the minute and most of what I pay off is just swallowed up by interest. I know thats what happens with a cc, but in Martins articles, and when you ask on the CC board, they make it sound so easy to just 'transfer the debt to a cheaper card'!

x

Silaqui

lol at flower I dare you haha

Fag_ash_lil

Hello peeps ...

Very quick post from me , as i have as thumping headache and am going to bed in a sec ...

My PAD for today is £122 ....

No daily food diary , as i haven't eaten a thing ...

Catch you all for " weigh in " tomorrow ...

terri x ( My PAD for today is £122 )

Flower08

Silaqui wrote: »

lol at flower I dare you haha

Im to chicken :rotfl:

They might send me abusive messages!

Terri - hope your head is feeling better soon, sleep well!

angelicmary85

Silaqui wrote: »

Aw thanks FF :j

Angelicmary, yes I think they do if you apply for too many too quickly which is why I'm not sure whether to bother or not. I hadn't applied for anything card for a good year, checked my credit file and everything was green. So about a month ago I applied (and was declined) by Abbey, and then I applied online with HSBC through the internet banking thing (and declined again) :rotfl:

It would just be nice to have a cheaper rate to get this A&L card paid off quicker, as it's at 24% at the minute and most of what I pay off is just swallowed up by interest. I know thats what happens with a cc, but in Martins articles, and when you ask on the CC board, they make it sound so easy to just 'transfer the debt to a cheaper card'!

x

Yeah I know what you mean, I'm lucky enough to have never defaulted on anything or missed payments but I was still turned down for a RBS cc which was a real biatch cause I really wanted it!!

24% is really high! Do you have any other cc's that might offer you a good deal to BT?

Flower08

Silaqui wrote: »

as it's at 24% at the minute and most of what I pay off is just swallowed up by interest.
x

I know how you feel. I so wish we could get a balance transfer but both mine and OHs credit rating isnt great.
Our interest is at 19.9% at the mo, but as of next month the lovely HSBC have put it upto 27%, our min payments will hardly cover the interest!! :mad:

SueP19

Flower....................go on we dares you........ask what benefit you can get by having triplets LOLOLOL:rotfl::rotfl::rotfl::rotfl:

Silaqui my A&L's are both 35% and that was way before I even defaulted.....................gwits:mad:

Flower08

SueP19 wrote: »

Silaqui my A&L's are both 35% and that was way before I even defaulted.....................gwits:mad:

:eek::eek::eek:35% thats rediculous!!


No way am i asking that! They would eat me alive, god help any poor person that would genuinly need/want to know that sort of thing - think they would get slightly shouted at:p

macgirl

Hi Everyone

It's grim Up North today - Summer's well and truly over already! Boo Hoo

Little PADs of £1 now for me as am skint, DD's birthday party this weekend and got a lovely letter from DVLA today reminding me that the Car Tax for my old shed will be £190 for the year! :eek: Gutted! It's a W reg so not mega old, but not old enough for the Gov scrappage scheme (not that I could afford a new car anyway - even with 2 grand off!)... Hey Ho

What's the child tax prob Angelic? I've had both, so might be able to help and promise I won't judge! Try me....

Take Care all, Mac x

SueP19

Flower08 wrote: »

:eek::eek::eek:35% thats rediculous!!


No way am i asking that! They would eat me alive, god help any poor person that would genuinly need/want to know that sort of thing - think they would get slightly shouted at:p

Flower I stopped at 1, she is my darling and a sweetheart (18 today she is) My hats to anyone who had more than 1..................scaredy cat back at ya

35 b****y %, I wouldn't care but we have had the cards 6 years (one was a cashback card) and in all that time we have paid on time (sometimes min and sometimes more) except for 1 month in 2006 when the payment was lost in the post and these last 2 months, the interest started off at about 12% 6 years ago......................I actually believe that this should be made unlawful!!!!!!