Do you remember when...

Gemmzie

I'm tempted to disagree a little here, if having your LBM and starting to clear your debts hasn't taught you self control with credit then it isn't really a LBM.

Credit has its uses and it can be used to make money and save money

System

Bunnyinthelights wrote:

Lenny,
Honestly? I cannot EVER see myself getting any form of credit again. I think it would be like the'just one small sip' to an alcoholic or 'just the one puff' to a ex-smoker. Good idea in principle tho...
How's little man? (and I am NOT talking about your you-know-what!)
Bunny x

I know I would never do it like!Hey he's doing fine and he's only sleeping through now! Goes down at about 7-8ush and will sleep till about 7am. The other is fine as well, although a little underworked!

sammiboo

Bunnyinthelights wrote:

Upping your overdraft seemed like the answer to all your financial problems?:rotfl: :rotfl: :rotfl:

GULITY your honour!!!!

1_step_closer

After I've paid off all my debts I don't think I would ever get any more again. And I'll be switching from FD as they have been so unhelpful and condesending.

I am subtly teaching SD about how to save on electric etc rather than scream "turn that off!" at her. Give her her due though, she knows good bargains!

oakdale_minx

I closed 3 CC accounts today as they were paid off. I phoned each one and was dreading one (or all!) saying to me 'please don't leave us, how about a higher credit limit to keep you as a customer?'......it would have tested me!!!

Luckily they all went 'oh, ok, it is now closed, we'll send you a letter!'

Obviously I wasn't worth keeping!!

immoral_angeluk

I remember Capital one offering to increase my credit limit because I was a 'valued customer' and then saying that there was a £20 fee for the priviledge! Cheek of it. Shame I was young and naive and just saw the extra £££'s rather than how I was being ripped off by £20!

in_debt_again_but_dealing_with_it

My favourite one is "we will consolidate to clear your old loan, cc and o/d , what reduce your cc no we don't need to do that, you keep it for emergencies oh yeah and will up it by another 2k too":eek: !! Yay free money I must be able to afford it they keep giving it me ..... oh if only I'd know!! This thread has so given me a laugh and I really thought it was just me!!!

skylight

I can relate to the Bus Fare one!

Years ago, we took a "cheap" holiday to Somerset - stayed in the UK becuase it was cheaper than going abroad (my ideas of LBM were warped back then!)

We overspent on the CC and had to get petrol - had nothing. Not one penny. I too called the bank begging to up the overdraft instantly so we could get home! No need to beg - they upped it from £500 to £1500 instantly!!!!

Being a moneysaver in those days (HA!!!!!!) we got petrol, food for the trip home, full dinner at a service station, large Tesco shop when home etc etc etc.

It really would have been cheaper to go abroad!!!!!

Bunnyinthelights

Gemmzie,
Trust me, I've had my LBM.(about £51K ago...)
I also know the benefits of credit-DH still has cards, and he pays the balance off each month. If there is a need for it, he can be my guardian credit angel. In fact, I still have 2 credit cards available to me (one with my current account and one via DH) BUT I never use them. Bottom line, I don't want it.
Bunny

loneranger

Waaaaaahhhhhh!!!! I remember when I thought the Provi and shopacheck were my best friends :eek: