What a man!!

jwil

What a lovely husband you have toile, that is a really nice thread. Best of luck with the DF journey

GeorgeUK

It's a little late, so just the APR's for now. Won't be around tomorrow but will check in on you.

1.736% as a number is 0.01736
Add 1 = 1.01736
to the power of 12 (as it's compound over 12 months) 1.01736^12= 1.229408
Remove the 1 and change back to a % = 22.94% APR

Cash @ 2.075% would be 27.95% APR

If you haven't missed any payments yet, it may be worth looking into getting a 0% card if possible. I would suggest you post up your SOA in the first instance though before trying to get more credit.

Regarding the overdraft - I can't see this being a problem if you are not financially linked. Others may have a different view though.

G'night.

toile

Hi george

Thank you so much for taking the time to work that out for me. Its certainly an eye-opener!! i thought it was around 13.9% so there must have been lots of interest hikes passed me by.

I will apply for 0% and hopefully get it shifted.

As for an SOA......its very complicated but hopefully i will get there soon.

Thanks again

Toile