We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Paid off TWO cards today!
Comments
-
Feels great doesn't it! Well done!Total 'Failed Business' Debt £29,043
Que sera, sera.
0 -
If you are sure you will pay it off every month and are only using it for things you need anyway, then keep it.
But as Martin says, credit cards can be good if they give you something back. I've kept my Sainsburys card as it has given me a far amount of Nectar points back. (However I may look for something better in the New Year.)
Does your Debenhams card actually give you anything back?Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
0 -
stacey21 wrote:Anyone have any ideas on the Debenhams card?
Thanks!
Is the Debenhams card a store card or credit card? If its a store card then i would get rid. Having had the card and settled will look just as good on your credit file. If its a credit card, does it offer any benefits?0 -
Good stuff Stacey.
How much is your overdraft tho', your sig doesn't say? When does the 0% runout.
I'm all for making as much use as poss of 0% deals. Nice one.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Way to go girl.
I would ditch the Debenhams card.While you still have other debts its too easy to say that will pay off every month & then something comes up.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.0 -
Personally, I'd keep the Debenhams card empty and open, and only use it when they offer cardholder discounts and then pay it all off.
They regularly have 10%, 20% and vouchers.No longer using this account for new posts from 20130 -
Confusing as to what to do re the Debenhams card.
It is just a store card but like someone said above, they send you vouchers for free tea/coffee sometimes and 25% mega day previews and things...
Im not often up in the town where theres a Debenhams so dont have a chance to shop there often...
Ive not had it very long either - will this count against anything? Or look bad on file?
thanks for all the advice people!:staradmin:staradmin:staradmin:staradmin:staradmin0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.6K Banking & Borrowing
- 254.8K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.2K Work, Benefits & Business
- 605.7K Mortgages, Homes & Bills
- 179K Life & Family
- 263.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards