Hello All

James100

Hi All,
I recently joined the forum and think its only fair that I formerly introduce myself to the forum. My names is James and I have a great interest in money saving issues and am really over the moon to find the forum and like minded people.
You surely will be hearing a lot from me over the next few weeks.
James
P.S – It’s freezing here I hope it is warmer, where ever you lot are

PROLIANT

Hi James and welcome to MSE!
So, what are you bringing to the table?

RichyRich

Hello James, welcome to the site.

CannyJock

James100 wrote: »

You surely will be hearing a lot from me over the next few weeks.

Welcome to the board.

It's only fair we summarise the last few years distilled wisdom, I'm sure others will add to the list.

Here's my top ten replies to get you started:

1) Set up a DD for at least the minimum payment on the card.
2) Be aware that the minimum payment may not be setup on time to meet the minimum payment on the first statement. When you call to activate a card, ask them to change your statement date to "yesterday" to give the DD the maximum time to be put in place.
3) Any company that offers to wipe out your debt is a scam.
4) We don't know what credit limit you'll get on any card.
5) Make the minimum payment on the lowest APR debts and pay as much as you can as often as you can to the highest APR debt.
6) It's covered in Virgin's summary box http://uk.virginmoney.com/virgin/credit-cards-v3/popup/summary.jsp
7) Don't mix balance transfers and spending on the same card
8) Check your credit report. The answer is there, or the lack of history is shown there. Pay the £2 to save yourself hassle.
9) Credit card companies are run to maximise their profits by any means they can get away with.
10) Santander are complete and utter mince at everything they do. Ram bamboo splinters under your nails before you deal with them. It's less painful.

Oh yeah, and for a full list on 0% balance transfers, cashback, 0% purchase cards and other stuff we'll refer you to www.stoozing.com (sponsored and supported by MSE).

McKneff

Hi James, and welcome.
Its freezing here too, I'm in the North
(actually, its blumming freezing everywhere)

izools

Welcome on board! Look forward to seeing your tips

... Freezing here, too! (Any tips on saving energy whilst still keeping warm??)

Innocent_Guy

CannyJock wrote: »

Welcome to the board.

It's only fair we summarise the last few years distilled wisdom, I'm sure others will add to the list.

Here's my top ten replies to get you started:

1) Set up a DD for at least the minimum payment on the card.
2) Be aware that the minimum payment may not be setup on time to meet the minimum payment on the first statement. When you call to activate a card, ask them to change your statement date to "yesterday" to give the DD the maximum time to be put in place.
3) Any company that offers to wipe out your debt is a scam.
4) We don't know what credit limit you'll get on any card.
5) Make the minimum payment on the lowest APR debts and pay as much as you can as often as you can to the highest APR debt.
6) It's covered in Virgin's summary box http://uk.virginmoney.com/virgin/credit-cards-v3/popup/summary.jsp
7) Don't mix balance transfers and spending on the same card
8) Check your credit report. The answer is there, or the lack of history is shown there. Pay the £2 to save yourself hassle.
9) Credit card companies are run to maximise their profits by any means they can get away with.
10) Santander are complete and utter mince at everything they do. Ram bamboo splinters under your nails before you deal with them. It's less painful.

Oh yeah, and for a full list on 0% balance transfers, cashback, 0% purchase cards and other stuff we'll refer you to www.stoozing.com (sponsored and supported by MSE).

Welcome James, I found this very amusing and SOOO true lol

Innocent_Guy

James100 wrote: »

Hi All,
I recently joined the forum and think its only fair that I formerly introduce myself to the forum. My names is James and I have a great interest in money saving issues and am really over the moon to find the forum and like minded people.
You surely will be hearing a lot from me over the next few weeks.
James
P.S – It’s freezing here I hope it is warmer, where ever you lot are

BTW, where abouts are you James?

James100

@ Innocent guy, I am in Russia at the moment, will be back in the UK soon.

@ Izools, will look into ur request...saving money while keeping warm.