Today it was suggested to me that i might wish to take out a Barclay card loan at 1.5 & and pay it off each month or not as I like . I have been out of the fiance game for 10 years or so but I still smell a rat . obviously if i don't make the full monthly payments the intrest goes up so will the cost of the loan to me . Any of you troops had experience of such a loan . Nat west want 5.9% as do Tesco etc .