!!! wrote: »
Because £12k is no small sum of unsecured debt to be owing
onlyfoolsandparking wrote: »
It's small to me!
I have over £150k in credit limits available to me and I use about 20-30k at any one time depending on what I am buying etc so that's around 15-20% utilisation,12k on a card at 3.9% for life!!, small to me.
gionnetto wrote: »
In fact, it could have been inferred from what you wrote :rotfl: I mean, one doesn't get a 16k+ limit with 3.9% APR unless s/he can definitely afford it.
10-20% utilization/available balance is great! Kudos to you and all your hard work.
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