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Having been someone, who has just had to ‘up’ my credit card payment, I his has been really helpful. I didn’t realise I had my credit card set up on paypal???? so silly expenses were coming out. I removed it from every account (I hadn’t realised my debit card and credit card had similar last four numbers…)
So I have my credit card for desperate things ONLY. I have agreed to pay over the suggested voluntary amounts and even asked if I would be eligible for a lower interest rate, she told me not at the moment but ask again in 3 months time. So thank you for the suggestion. Thank you for the excellent post ????.