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Credit Cards...

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By *iew OP   Man
Forum Mod
over a year ago

Angus & Findhorn

do you shop around and open and close cards to maximise the 0% for 22, 18, 12 months for purchases and balance transfers.... some great offers out there.

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By (user no longer on site)
over a year ago

I do normally but since splitting with the ex over xmas and what not I was juggling A to B

Now i'm sorted and settled though thats one of my priorities as i'm currently being stung!!

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By (user no longer on site)
over a year ago

sometimes do if I have run up an overdraft I cannot pay by the end of the month. That is rare however, as I do not like debt.

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By (user no longer on site)
over a year ago

dont have a credit card

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By *isscheekychopsWoman
over a year ago

The land of grey peas and bacon

I don't have a credit card. Learnt my lesson when I was 18 and the banks was throwing credit cards at me...

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By (user no longer on site)
over a year ago

Won't have one here.

Enjoyed playing with them a few years back but then someone told me I had to pay the money back. Bloody cheek! With interest too!

A lot of companies prefer people to make payments using credit cards which would be amusing if not scary when you consider that in order to buy something, you would need to borrow the money - even if you had it - & pay it back within 30 days or pay interest.

Try not having a credit card - every 2nd letter postie puts through the letter box is offering great advice on how to increase your credit score, i.e. sign up for their new credit card.

Changing credit cards on a regular basis is the best way of avoiding interest payments but - beware - this only works for the most disciplined consumer & not for the more laid back.

Credit cards = Me no likey.

Ian.

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By *iew OP   Man
Forum Mod
over a year ago

Angus & Findhorn

I will always buy large items on a credit card for the protection they offer against non delivery, liquidation etc.

They serve a great purpose but you must be disciplined

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By (user no longer on site)
over a year ago


"I will always buy large items on a credit card for the protection they offer against non delivery, liquidation etc.

They serve a great purpose but you must be disciplined"

Oi, Mr. View.

Please stop posting using reason & sense.

If you keep this up, we'll have to bring a few friends over & s**g you senseless as punishment.

You have been warned.

Tut.....

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By (user no longer on site)
over a year ago


"I will always buy large items on a credit card for the protection they offer against non delivery, liquidation etc.

They serve a great purpose but you must be disciplined"

oooooooo just say when!

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By *iew OP   Man
Forum Mod
over a year ago

Angus & Findhorn


"I will always buy large items on a credit card for the protection they offer against non delivery, liquidation etc.

They serve a great purpose but you must be disciplined

Oi, Mr. View.

Please stop posting using reason & sense.

If you keep this up, we'll have to bring a few friends over & s**g you senseless as punishment.

You have been warned.

Tut.....

"

deal

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By (user no longer on site)
over a year ago

We use pre-paid credit cards, can't get in the shit with them.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I only use a CC to use if I am buying something off the net , I pay it off when the bill comes in, so the interest charges don't apply.

To be honest though, if I did have a balance I can't see me messing about changing cards.

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By *atisfy janeWoman
over a year ago

Torquay

No.....I couldn't find another card that could match the credit limit I have on mine.

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By *iew OP   Man
Forum Mod
over a year ago

Angus & Findhorn


"No.....I couldn't find another card that could match the credit limit I have on mine."

very valid point as the limits are a lot less than before the banking crisis, well to start with then they grow..

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By *iew OP   Man
Forum Mod
over a year ago

Angus & Findhorn


"I only use a CC to use if I am buying something off the net , I pay it off when the bill comes in, so the interest charges don't apply.

To be honest though, if I did have a balance I can't see me messing about changing cards."

best way to pay off... mind ya with the 0% offers, more you can earn some interest on your money and then pay of at the end of the promo x

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