SS's 2007 Debt Free Challenge

elantan

ss will you still love and talk to us when your debt free...the rate your going it wont be too long ....had a look at that thread link you sent me ..i've added it to my favs now ....flirting with jessicamb will not let you win you know lol ...thanks for the chat the other night think i needed it...well that and sleep

southernscouser

Verbatim wrote:

Which lob card are you looking at? Some cards offer to match your highest credit limit.

Good going on the continuing struggle SS.

Not sure V! Gotta see what ones I've already been rejected for! :doh: :rotfl:

southernscouser

emzig123 wrote:

What's the APR on it?

It's messy! Got a small balance on 3.9% but transferred outside the intro period not realising and am paying about 16% on that! :wall:

southernscouser

elantan wrote:

ss will you still love and talk to us when your debt free...the rate your going it wont be too long ....had a look at that thread link you sent me ..i've added it to my favs now ....flirting with jessicamb will not let you win you know lol ...thanks for the chat the other night think i needed it...well that and sleep

I'll have to see who I'm rubbing shoulders with!

Are you joining the challenge then?

emzig123

southernscouser wrote:

It's messy! Got a small balance on 3.9% but transferred outside the intro period not realising and am paying about 16% on that! :wall:

Well, if the remaining space on it is at 16% I'd lower it. Reduces temptation!! If the remaining space is at 3% then keep it. Decisions decisions!!

southernscouser

emzig123 wrote:

Well, if the remaining space on it is at 16% I'd lower it. Reduces temptation!! If the remaining space is at 3% then keep it. Decisions decisions!!

Nah the rest is at 16% odd. My only concern is that it affects my rating in as much that my balances are a high percentage of my available credit! :think:

Eupho

SS (Hef) :rotfl:

I was just looking at the % on your remaining debts (you posted the other day).. Mine are very similar to yours.. (the cards)..

What I wanted to ask was how your %'s are so low.. all mine are about there in the top teens grrrrrrr :mad:

Eupho

Edited to add: Ohh I just looked again.. Is it because my credit limits are much higher?

southernscouser

Eupho wrote:

SS (Hef) :rotfl:

I was just looking at the % on your remaining debts (you posted the other day).. Mine are very similar to yours.. (the cards)..

What I wanted to ask was how your %'s are so low.. all mine are about there in the top teens grrrrrrr :mad:

Eupho

I always go for low life of balance cards! The Amex and Barclaycard are quite recent ones (within 6 months) and the Morgan Stanley and Cap One a few years old! Would have had 3.9% on my Cap One aswell if I wasn't such a d!ck! :rotfl:

Have you applied for any/many?

Eupho

southernscouser wrote:

I always go for low life of balance cards! The Amex and Barclaycard are quite recent ones (within 6 months) and the Morgan Stanley and Cap One a few years old! Would have had 3.9% on my Cap One aswell if I wasn't such a d!ck! :rotfl:

Have you applied for any/many?

Low life balance cards? No I thought although im not in trouble yet (AMAZINGLY since im still kicking around the 34G mark! I havent missed payments etc) I do have alot of cards.. and they all have big limits and are all close to their max (tho I havent used them for months).. So I doubt with all that anyone will touch me.

Ps.

The 34G was not bra size

southernscouser

Eupho wrote:

Low life balance cards? No I thought although im not in trouble yet (AMAZINGLY since im still kicking around the 34G mark! I havent missed payments etc) I do have alot of cards.. and they all have big limits and are all close to their max (tho I havent used them for months).. So I doubt with all that anyone will touch me.

Ps.

The 34G was not bra size

:rotfl:

Damn!

Well I though that aswell! Initially had a right touch with Cap One coz they gave me a limit of £10,300 which at the time meant I could transfer all my credit card debt to them at 3.9%! :j

What about 0% cards? Have you applied for them?

I used to go for 0% cards but after the intro period I was getting stuck with high APR's due to not being accepted for another one. Low life balances all the way for me from now on!

Is there any reason you haven't applied for any? Could save you a tonne in interest?