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Slaying my final Debt Dragon: The Capital One Card.

2

Comments

  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Day 13 :
    Payment : £2.20 paid
    Remaining debt : £386.47
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Day 14 :
    Payment : £1.85 paid
    Remaining debt : £384.62
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    edited 7 February 2024 at 2:32PM
    I occasionally look for credit card offers with a lower rate than my Capital One card.

    I know that with 4 lovely defaults on my record I won't find anything.

    The searches do however come up with Zable and 118118 cards...

    ...With an APR of ~ 49% !!!!

    Er, no thanks. I'll stick with my 26.4% at Capital One. Lol.
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • vampirotoothus
    vampirotoothus Posts: 422 Forumite
    Part of the Furniture 100 Posts Name Dropper
    You are doing great, this final one will soon be gone. Good luck V x
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Day 15 :
    Payment : £6.34 paid
    Remaining debt : £378.28
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Day 17 :
    Interest : £9.37 charged
    Remaining debt : £387.65
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Day 21 :
    Payment : £1.70 paid
    Remaining debt : £385.95
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I do love a PAD, making huge inroads by small payments is such a boost!
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    edited 15 February 2024 at 7:49AM
    I sold 3 shares in Shell that I have had for years and had forgotten about until recently. £74.78 reached my account today. No better place for this money than paying off Capital One.

    Day 22 :
    Payment : £74.78 paid
    Remaining debt : £311.17
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
  • sparks_2023
    sparks_2023 Posts: 186 Forumite
    100 Posts Name Dropper First Anniversary
    Aimingforthegoodlife said:
    I do love a PAD, making huge inroads by small payments is such a boost!
    It is a boost :) 
    I should be able to make a few more small payments before payday, and then perhaps a bigger last day of the month remittance.
    Leap Day 2024 - the day of freedom. The day my pernicious debts finally died.

    Legacy Default dates :
    Mr Lender - 31/10/2022
    Fund Ourselves - 22/12/2022
    Bamboo - 30/3/2023
    Likely Loans - 14/4/2023
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