Bit of Help Needed re: cc/loan

twinkle662009

Hi

Got my self into a little bit of a pickle with my over draft. I need to get it cleared before my OH sees it. I have been slowly clearing it but he has constantly been querying me about balance. I know i should be honest but believe me it isnt worth the hastle as i loaned some money to a friend in need who he hasnt got much time for.

It is only a small amount but is there a loan or Credit card i can take out to clear it (and then pay off that slowly as i have been doing my overdraft) but i dont want card/statments coming to my home address.

Any advice would be great thanks

laura2481

My advice- don't do it. The interest rates on CC's or a loan will probably be higher than the interest rate you are paying on the overdraft. That will mean it costs you more and takes you longer to clear it. Also, it is possible you will the accrue mored debt on your overdraft and then have debt on your CCas well!

'fess up to your OH but explain what you are doing to clear it off and when you expect it to be done. It's really not the end of the world... he'll get over it! (you could always say you spent it on shoes! instead of loan to your friend)

You should also get your friend to pay you back. even if it's only £5 a month..

LeeSouthEast

Tell him to mind his own business. Why does he want to know your balance? If all your household bills are paid up, what's his issue?

laura2481

LeeSouthEast wrote: »

Tell him to mind his own business. Why does he want to know your balance? If all your household bills are paid up, what's his issue?

yeah, there is that as well...

twinkle662009

Control & freak spring to mind :rolleyes:

ok, i knew the answer before you lot even posted, just needed to hear it out loud i guess

thanks for replying xxx

LeeSouthEast

Sometimes you need to hear others say it even when you know you're right

McKneff

LeeSouthEast wrote: »

Tell him to mind his own business. Why does he want to know your balance? If all your household bills are paid up, what's his issue?

here here, would he give you his statement/balance if you asked for it.
Maybe he would but there again you probably wouldnt ask for it.

BeautyandtheBeast_3

Egg do an online CC only - no paper statements just all electronic.
But i would tell him to mind his own!!!

LeeSouthEast

Barclaycard also do a 'green' card, i.e. online paperless.

BlueJeans_2

Mint also have on-line servicing only and Tescos.

Just stick with the overdraft and fess up to your hubby he mightn't take it that bad.

twinkle662009

Ok folks told him. He said he was disappointed i didnt tell him sooner but it is done now., just another hour to go with the lecture - then i will retire early :A

Thanks again i love this site, you just say it as it is :beer:

luv toyah x