...dust down the chandeliers and give me a leg up onto the back of a Polo pony; I have finally joined the ranks of the rich and famous and got myself a Gold credit card. Oh yes.
It all started when I received a letter from Virgin (boo! hiss!) telling me that the rate on my current card was being increased to 25%. What?! I only have a fairly modest balance on there - by most people's standards anyway - a balance I'm trying at the moment to clear completely, but at that rate it was going to take me forever. I also have one other credit card with a much smaller balance with my wonderful bank, First Direct. I decided to take the advice of the most excellent Martin Lewis, at Money Saving Expert, and called First Direct to ask them if they'd cut my rate. They said well, no, but given that you earn so much money (yes, the secret's out, I am the only person the NHS pays a FORTUNE!) we can convert your card to a Gold card and then we'll give you a preferential rate. That will do nicely. I've now transferred my balance from Virgin so they can stick their 25% right up their...
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