Do you own a Credit Card?

[Voodooray]

Originally Posted by AB45

Dont have one for exctly the same reasons as yourself mate Also like the fact that if i cant afford it cash i wont buy it. I get bombarded by banks offering me the bloody things but not interested.

p.s. Seems that Hull has a problem with buying things for loadsa money and later regreting it eh? (Parky lol lol lol lol lol £400,000 lol lol lol Us in plays offs lol lol lol )

You commin up to our gaff on Satdy la...Sorry,but the winning streak is gonna come to and end matey...If you are giz a nudge and ill point you in the right direction of the decent pubs....

Up the Whites...

Voo

[ilovepiano]

I had one for a long time but eventually got sick of spending money I didn't have on things I didn't need. Finished paying it off at the start of the summer and then cancelled it. Don't plan on getting another.

Used to kid myself thinking it was great to have for "emergancies" but I figured it's better just to save a bit of cash and not spend it, in case of "emergancies"

[Random]

I heard a stand up comic on the radio the other day taking the mick out of those finance companies on the Tv.

Some woman on the advert says "We borrowed £25,000 from Norton Finance to pay off our existing debts - and had enough money left over to buy a new car!"

Enough money left over? It someone elses cash!!

[sirius]

BBC NEWS | Business | Britain's streets of debt: Whistleblower
informationliberation - Britain becomes 'never, never land' as personal debt runs out of control
The Monitor Blue Skies Britain’s dangerous debt addiction
Credit Action: Debt statistics

Total UK personal debt

Total UK personal debt has exceeded £1 ¼ trillion and at the end of October 2006 it stood at £1,268bn. The growth rate increased to 10.4% for the previous 12 months which equates to an increase of ~ £110bn.

Total secured lending on homes has exceeded £1 trillion (£1,000 billion) and at the end of October 2006 it stood at £1055.9bn. This has increased 11.3% in the last 12 months.

Total consumer credit lending to individuals in October 2006 was £212.2bn. This has increased 6.2% in the last 12 months.

Total lending in October 2006 grew by £10.9bn. Secured lending grew by £9.8bn in the month. Consumer credit lending grew by £1.1bn.

Average household debt in the UK is £8,592 (excluding mortgages) and £51,343 including mortgages.

Average owed by every UK adult is £26,971 (including mortgages). This grew by £225 last month.

Average interest paid by each household on their total debt is approximately £3,227 each year.


Average consumer borrowing via credit cards, motor and retail finance deals, overdrafts and unsecured personal loans has risen to £4,514 per average UK adult at the end of October 2006.


Britain's personal debt is increasing by £1 million every four minutes.

Just bang it on the card eh . Im so glad Im fortunate enough not to be in this trap.

The whole economy seems to be based on money we don t have, yet we can still afford to give millions of our pounds to Pakistani Schools, build Hungary's underground system and tarmac Latvian roads, fight wars allover the world as we watch the enemies walk in through our front door......

I wish I was into finance, its not something I know about at all......but it seems very odd to me.

[li'l Sonz]

I have a cheque book and switch card (debit card siruis, just in case you didn't know lol, j/k)

I couldn't be arsed gettin a credit card for anything.... the ONLY reason I would consider it would be to build up my credit rating..... so if I needed to get a loan for say something to do with my house then I could get one with lower interest. The way to do tat though would be to buy somet like petrol with your credit card and as soon as you get home, pay it off.



I'm pretty good with money tho so I don't really need to worry about that sh1t!



x

[sirius]

lol, thanks Lil' Sonz, "every litle helps"!.

I keep posting people this link.....

MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

but I havent even looked through most of it myself yet!

Sirius

[AB45]

Originally Posted by Voodooray

You commin up to our gaff on Satdy la...Sorry,but the winning streak is gonna come to and end matey...If you are giz a nudge and ill point you in the right direction of the decent pubs....

Up the Whites...

Voo

Cheers for the offer m8
Affraid this another im sitting out. If i 'wanted' Christmas with the family this was one i had to miss (if you get my drift lol )
As for our winning streak, im not too worried to be honest. The fact that we are where we are is just simply unbelievable so if we lose a few it doesnt hurt (as mad as it sounds lol). Hows our man Liam Chilvers doing with you? Rocky was a good player for us, he'll be gutted when we get promoted and you dont lol.

[lottie]

yep have one , sorry had one ! cut the mofo up because the credit limit was just to much to resist bieng in debt really scares me , its to easily done , nights out , weekends away , nice clothes ... only thing i am sensible with , i wont do all that on plastic unless i have the funds to cover it

[T.C]

Nope , daren't.

Never have. Closest I've got is I've been guilty of owining a couple of storecards in the past but these days if I havent got the money for it I cant / dont get it, simple as.

[amymars]

*Like a dickhead* I got one......just so I could get an overdraft because *like a dickhead* I never got a student account...

I have used it....alot. I think I owe about £700. Cannot wait until the student loan comes in January. It shall be amazing cutting that little gold bastard up.

[RetroAndy]

Originally Posted by Random

Our winning streak is currently......1 game Although we are above Dennis' boys in the table.
12 o clock kick off is gone hamper my drinking plans
David Livermore odds on to score against the team that bought and sold him within 10 days

Gonna be a good game, Hoping to come out on top against ya. I have been surrounded by hull fans recently as i mum is now running the new griffin pub on the main road just down from the KC Stadium. Even went over in my leeds shirt the other day, you should have seen some of the looks i was getting lol

[MANC]

If u really do need a loan, you can cut out the middleman so to speak i.e don't deal with the evil banks, try here....

Welcome to Zopa (UK) - The first lending and borrowing exchange

[betty spaghetti]

i have 2 both are maxed to the hills to the tune of bout 5K, havent used them in bout 3 months, banks are dicks, they give me all sorts of loans credit cards and overdrafts (free money )to someone who has no equity, then want me to pay it off with stupid interest rates...dont think so...they can have 2.50 a week for rest of my life, only jokin, they keep putting charges on charges etc so im having abit of a rook with them at the mo!!! the battle continues

[Random]

Originally Posted by RetroAndy

Gonna be a good game, Hoping to come out on top against ya. I have been surrounded by hull fans recently as i mum is now running the new griffin pub on the main road just down from the KC Stadium. Even went over in my leeds shirt the other day, you should have seen some of the looks i was getting lol

Good little pub the Griffin.
Proper football pub too, as it is in walking distance of both the KC and the old boothferry park.

Our trip to leeds is our annual cup final.

[RetroAndy]

Originally Posted by Random

Good little pub the Griffin.
Proper football pub too, as it is in walking distance of both the KC and the old boothferry park.

Our trip to leeds is our annual cup final.

Aye i get that feeling from there too. Loads of hull posters up and big screen tv's etc. Heard a few negative things about it too but will make uo my own mind i suppose.

As for "your cup final" it might just be the nail in "our" coffin