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Reply: 2.1.1 From: Jeremy Laws Russell, You will find once you factor in set up charges etc into personal finance, CC's and ready credit style things are way way in front. Also once you pay them off you don't have to reapply for more credit. Makes shopping for cheap hovels very easy. You have...

Reply: 1.1.1 From: Jeremy Laws No - don't listen to them! Definitely get it. Cheapest cheque facility you can get. That item has saved me numerous times and well worth keeping in the filing cabinet. There are _always_ cheaper finance packages out there, but when you need them you cannot apply...