Experian Consolidation Suggestion...3 loans

andyf1980

I wouldn’t even consider borrowing at 9% for new windows. Obviously rates are dependent on credit rating but if I had to pay that much I just wouldn’t borrow!

Dandytf

andyf1980 said:

I wouldn’t even consider borrowing at 9% for new windows. Obviously rates are dependent on credit rating but if I had to pay that much I just wouldn’t borrow!

I did with intention of overpaying, not immediately though late Summer time.
HFC aka Nevunos Finance are very good at using example of interest saved when increasing repayments.
I've never been in headline selected few of 3.8% apr etc.
Windows were essential, it's a reminder of what could be required after moving into pre owned flat.
Only decision is Bathroom walls, though not going to be 22' maybe next year if possible.  

Dandytf

Some mser's can enjoy my recent dropped 49 points whilst clearscore view EV+Admiral+Furniture finance as three 'loans'.
Personally I enjoy the challenge of next three or more years.

Grumpy_chap

Your credit score means very little, however I am certain that there are no MSE'rs in this thread that would enjoy seeing your"score" or credit record moving to an adverse position.  The overwhelming advice in this thread (and others) has been to reduce your reliance on credit.  You may enjoy the challenge of managing the next three years, but that is not an approach that has been recommended on here 

Dandytf

No harm taken, once Aqua is added I expect further temp score drops over 2022.
I continue to enjoy changes in visual score since I use credit again, whilst the numbers are of no particular use the changes 'seen' can be quite helpful.

though that's for another thread.

thanks 

[Deleted User]

andyf1980 said:

I wouldn’t even consider borrowing at 9% for new windows. Obviously rates are dependent on credit rating but if I had to pay that much I just wouldn’t borrow!

9.9% actually

But don't worry, utilisation on the credit card is low!

Dandytf

Deleted_User said:

andyf1980 said:

I wouldn’t even consider borrowing at 9% for new windows. Obviously rates are dependent on credit rating but if I had to pay that much I just wouldn’t borrow!

9.9% actually

But don't worry, utilisation on the credit card is low!

Precisely and my missed Aqua card has arrived today, what's bnpl 3 months, not sure how Aqua buy now pay later offers are used.

thanks 

Sncjw

So you got a credit card but not sure how to use it in the offer time frame. 

You are nuts man. 

Dandytf

Sncjw said:

So you got a credit card but not sure how to use it in the offer time frame. 

You are nuts man. 

NO, I know of purchase offer 0% 4 months
+balance transfer offer 0% 7 months
My question was how does Aqua BNPL offer differ, is it for example any specific retailers.
0% 3 months.

I have used bnpl though offers from retailers, apart from paypal credit, this Aqua bnpl offer is 1st ive seen from a credit card provider.

Grumpy_chap

Alternatively, don't buy anything and then there is no need to pay later which avoids the risk of over-extension and is the most MSE-solution.