This is it *ping* lightbulb!!!

kindofagilr

Some great news, I got OH to ring the sols cos it has been over 15 working days since our side sent the offer to the other side, and they have responded, they have offered slightly less than our side asked for but we are still happy with it.

We are finally going to be able to paint the house and gets some nice curtains etc

I plan on paying my phone off, and the store card which will free up £75 a month, keep a few hundred for christmas, and a couple hundred for our trip to the lakes in nov, then the rest off the next debt xx

kindofagilr

And I just overpaid Store card by £11.44 from my shopping this week god I am in such a good mood now lol xx

kindofagilr

Ok, done all my OW surveys, I had 475 points after them all so I have requested £2.50 and left my account with 225 points, I like requesting them in £2.50's lol xx

monz

Same Feel so accomplished when I do lol xx

kindofagilr

Morning all

Well I just logged into mine and OH's b'card accounts to find they are offering us both 6.9% BT for the lifetime of the balance that's really good news, the next card we are due to hit is 24.94% so I def think its a wise move to shift that between mine and OH's b'card accounts

I am going to ring b'card today, as OH and I have promo's on our current balances (they reduced them from 29% to 6.9% and 9.9%) and I want to make sure that if I took on the BT it wouldnt effect that.

I've finished work for the week now, so just catching up on housework and washing, the kids have a party to go to on sunday so need to get a present for that.

Also need to crack on with the surveys, so happy that I am at 15% target hit already for the christmas present

Have a good day all xx

kindofagilr

Just spoke to B'card, they said fear not I can have both promo's at the same time yay xx

Igamogam

kindofagilr wrote: »

Just spoke to B'card, they said fear not I can have both promo's at the same time yay xx

Remember any payments paid will reduce the balance of the promo with the highest interest rate first. The balance on the other promos will remain the same ..........worth bearing in mind if the promos have a time limit on . Are Ll 3 promos life of balance offers?

kindofagilr

Igamogam wrote: »

Remember any payments paid will reduce the balance of the promo with the highest interest rate first. The balance on the other promos will remain the same ..........worth bearing in mind if the promos have a time limit on . Are Ll 3 promos life of balance offers?

That's the thing that's confusing me, the current promo we have is for 2 years, the BT is lifetime.

OH's promo apr is 9.9% and mine is 6.9% with the BT being 6.9%

So I assume OH's 9.9% will be paid off first? But not sure what happens with mine as they are both 6.9% xx

kindofagilr

Figured it out with the help from the credit card board The pay off the highest APR first which is what we want cos that is only for 2 years and the BT one is for lifetime, in the case of mine where its the same promo rate they take it off the one that ends first which again is what I want

"To reduce your main balance (your statement balance less any purchase plan balance). We’ll start with the balances charged at the highest interest rate first and then reduce the lower-rate balances. If you have more than one promotional balance at the same interest rate, we’ll use your payment to reduce the balance with the promotional rate
that ends first."

blubella

Excellent news!! :T

I was just trying to figure this out myself as I have one promo rate ending now and one next year on the same card!

Going to try and shift the bit I am paying for onto a 0% today! Wish me luck