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olivergitsham

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olivergitsham
My wife and I both have a credit card each. The APR on my credit card is 6% whilst hers is 21%. I tried to negotiate with HSBC to reduce her APR but they won't do it so would now like to use my credit...
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olivergitsham
I have noticed that in many shops Tulips are on offer or discounted. Why, in early February, is this? Surely they haven't been grown over the winter? If they had been grown in greenhouses or in the...

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