i only have mine for internet cos you cant get it with cash.
me and the wife hade it the hard way.
but when we sold the house and got a new one we paid them all off all 5 of them.
and let me tell you it soon monts up .
dont get in to the trap i no too menny of my m8ts that have remorged there houses to pay it off.
and how thay say thanks is put up the limet lol.
no m8 never again put it in the draw and take my lead only use it if ya kid need somthing and you have no cash.
you never no when you will need it .
but for moding the car you will only hate yaself for doing it on the card . when you have to pay it back.