This is it *ping* lightbulb!!!

kindofagilr

Good Luck hope you can do it

Have you seen the Virgin card, 40 months at 0%!!!!! Unfortunately we cant get one boo lol xx

blubella

I won't be able to get one either...I did a soft search for the most likely card that I would get accepted for and there were hardly any compared to 6 months ago :mad: not sure what's happened there?!

Ah well, I will settle for the 9 month one for now

kindofagilr

9 month one sounds good too

I've just cleared my current Virgin one (with a 0% BT) so I'm leaving it open for a few months to see if they offer me any deals which would be good as my limit is £4300 which would be great if it was 0% lol, if not then I will close it

Igamogam

kindofagilr wrote: »

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."

Just be aware that while the highest rate promo is being paid off the balance of the other remains the same. At the end of 2 years if you haven't paid off the higher rate promo then you must transfer that balance otherwise it will revert to a higher Apr and therefore be the highest so the other balances at the lower rate will still not being paid off although they will still be attracting interest.........just keep an eye on it because you will end up with a higher balance on those LOB promos than you started with. LOB are good when you only have one promo on a card multiple ones can be nightmare if you are not careful

kindofagilr

Igamogam wrote: »

Just be aware that while the highest rate promo is being paid off the balance of the other remains the same. At the end of 2 years if you haven't paid off the higher rate promo then you must transfer that balance otherwise it will revert to a higher Apr and therefore be the highest so the other balances at the lower rate will still not being paid off although they will still be attracting interest.........just keep an eye on it because you will end up with a higher balance on those LOB promos than you started with. LOB are good when you only have one promo on a card multiple ones can be nightmare if you are not careful

Thanks Hun I will keep an eye on it, Def don't want it to revert to the high rate again, hopefully if we haven't paid off the higher apr ones then in two years we will hopefully get a 0% card we can move it too xx

kindofagilr

Morning all,

Well DS has been back to school for 7 days and now has a horrid cough, he was awake crying twice in the night, and he sounds like a 20 a day smoker!! Poor bairn

The weather here is terrible today, going to have to use TD

DS has swimming apart from that we have no plans, need to update bills as two CC statements have come in. Need to do some surveys today, I didn't do any yesterday, I just couldn't bring myself to xx

kindofagilr

Just updated my bills, and my god, it's shocking how much the interest rates make the balance remain high (stupid thing to say I know lol)

Up until the lower rate change on the B'card I was paying £105 a month and the balance only reduced by £50.

Now with the lower rate I paid £90 and the balance reduced by £72!!!

kindofagilr

Just got my outstanding OW voucher, I now have £38.50 woo hoo, so happy with that xx

kindofagilr

Shopping been, items missing, grr, annoyingly stuff we really need, so OH is gonna have to nip to shop on his lunch tomorrow.

Anyhoo have just overpaid store card £11.68 with the leftover shopping money xx

kindofagilr

Morning all, not much to report here, I've not done any surveys for a week! I don't know what has got into me, but I cant be bothered to do them right now, I might force myself to do some tonight once the kids are in bed.

I've BT'd a card over to mine and OH's B'cards. I think the statements won't all read right till end of Oct? so I will update my siggie then, my noddle report is ready tomorrow so I can update my mortgage xx