It’s very easy to go overboard on the Christmas spend, especially when you’ve last present buying until the last minute. Blood rushes to your head, you make impulse purchases on your credit card and regret them in January. However, following extensive recent research, I can now present Mr. Fact’s 10 Point Action Plan To Avoid Spending Money On Your Credit Card:
Make sure it’s a really cold day.
Decide to go out shopping.
Fill car with diesel (the tank of the car, not the car itself - that would be stupid).
Take credit card out of jacket pocket where it’s been chilling nicely.
Insert card into chip and pin machine thingie to pay for diesel.
Apply gentle upwards pressure until the card snaps.
Give the cashier the last 40 pounds in notes from your wallet as she removes your credit card from the machine with a pair of tweezers.
Call Barclaycard and ask for a replacement.
After answering a few simple security questions, they’ll send you a new card.
By December 29th or 30th, depending upon the post.
Note: you may be tempted by Visa’s “we’ll send you emergency cash if you lose or damage your card whilst you’re abroad” security insurance. Luckily, Scotland doesn’t count as “abroad.”
Song playing as this was published: Nine Inch Nails : Closer
Nice, sounds like the kind of Christmas I am currently having. Hope you still managed to enjoy yourself a bit. Right now I am in the most isolated, backwoods of the Great Smokey Mountains and have still managed to find wireless access. It’s just wromg I say. But I’m using it non-the-less.
happy holidays
you could still open a plethora of storecards and thus avoiding not getting in debt, excuses, excuses…
820: My Blackberry suddenly found it had stable EDGE access in the middle of Nowhere, Scotland on New Year’s Eve - it’s never managed it anywhere else before and now I’m back in Big City I kind of miss it.
RhineBlaze: But they’ll only give those high interest cards to people with terrible credit ratings. Maybe if I stopped paying off my credit card in full at the end of the month I’d be eligible for one?
mr fact: you are quite right - but then again