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I still have some 0%, no fee cheques for Capital One. I had already factored in 12k from that for 59 days.
Don't use the cheques, you get ripped off. Transfer an imaginary balance into your SBT card (eg, egg money virgin and 1 or two others if you have one), and then into your bank account
Mark my words - this side of Xmas, most likely November, BoE will raise rates to 5%, this will put a dump on Xmas spending - not a good time for retail. Better start writing those "close-up sale" now...
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