I've just a had a phone call from someone purporting to be from M&S and was checking on 'some fraudulent transactions' on my credit card account. She then told me the last 4 digits of the card, and asked for my DOB. Being the vigilent persom I am, I declined, she was quite relaxed about that, understood and told me I could call them direct via the number of the back of the card. I'll be doing that later, cos I never use this card - I just made one of those balance transfers at an attractive rate a couple of years back.
But, this reminded me of the interest rate discussion of last week - namely should interest rates go negative? Now, that would be interesting, and what would it mean? Would it mean that debt would start to earn interest, and credit would start paying interest?? Sounds bizarre. Is it April 1st? I reckon if they brought this in I would be quids in - my debts would start being paid off, and I might even get credit. Oh, hang on, then I would pay interest and go into the red again. Ah, maybe it's not that good, maybe it only suits the non-saver/non-spender type of person who is in a constant state of financial equilibrium. I should be able to think of a name, like equicash or similar, but that would be silly, and sound like it's money used to buy a horse.
12 miles on the rollers last night. I dragged myself out to the shed at about 9 o'clock for 40 mins having decided not to go swimming. This was due to son-in-law number 3 not being available and later on my conscience got the better of me so I went out into the dark cold night to get sweaty.
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