Fighting an endless battle..

kindofagilr

anna_1977 wrote: »

Hi Ez,
Are you sure the next catalogue is free - taken from their website: A Next Credit Account allows you to spread the cost of purchases (subject to status and approval 22.9% APR variable representative).

Just check

I don't seem to pay interest on my Next account either? although I am sure I am supposed to

Ezra123

Hi, anna_1977,

Its free at the moment as when I moved house and changed job location I notified them I might not be able to make a payment, at which I did end up making. Next kindly added 1 month of free interest, however I shouldn't say this but the deal is still applied to the account.

Ez

Ezra123

Hi, kindofagilr,

That's certainly worth noting, I'll be sure to keep them for 3/4 months after the debt has cleared and my credit report refreshes.

However my next step would to slowly reduce to amount borrowed, I guess by looking to remove one of the bigger cards that I wont have a need for.

All in good time though.

Ez

Ezra123

Hi, EssexHebridean,

Thanks for the tips, well worth remembering on my next call. I shall try that tactic before the complaint tactic and see which one gives first.

I guess you could try this with all cards to give you breathing space or a reduced debt payment time.

I'll update you on my next call with Barclaycard next month.

Ez

kindofagilr

kindofagilr wrote: »

I don't seem to pay interest on my Next account either? although I am sure I am supposed to

Just been through all mine and I do lol, it's cos I normally pay it off as soon as it's on bill so they don't have a chance to charge me xx

Ezra123

Hi, MrsTinks,

Thanks for letting me know about other cases, I guess I dont think that far ahead, being young (ish) but you nearer know whats around the corner.

I'll certainly consider this on my next financial review on payday.

Ez

Ezra123

kindofagilr wrote: »

Just been through all mine and I do lol, it's cos I normally pay it off as soon as it's on bill so they don't have a chance to charge me xx

Hi, kindofagilr,

Small print is a problem when people mis-read it, I mean I don't always read it, especially the ones Apple produce when you update your product but certainly the ones and more so now when your borrowing credit on 0% and the consequences after that deals expires.

Ez

Candyapple

I've also read threads where they have lowered the interest to 9%:
https://forums.moneysavingexpert.com/discussion/5594459

Ezra123

Hi, Candyapple,

Thanks for the link, I recall reading this during the week - and its something I'll be trying next week when I call Barclaycard.

Ez

kindofagilr

Oh yes forgot to mention that, Barclaycard were the only ones out of all the ones we had that reduced the apr when we asked them to, OH's went from 19.9% to 9.9% and mine from 29.9% to 6.9%