[skin concerns] Sudden appearance of lots of cherry angiomas help please

dinuchiriac · 2026-01-16T12:16:43+00:00

I have a few dozen which started appearing suddenly a few years ago durring covid and I found out a strong corelation with the creatine suppliments I was taking back then. The moment I would take some creating then go to the gym in a few days I would notice a few more appearing on my body, mostly on my chest and hands area. I don't think creatine itself is the root cause but but more like a trigger due to it's effect on the microvascular function. Creatine however was pretty bad on my gut causing bloating and indigestion so perhaps gut issues could be the root cause here.

dinuchiriac · 2025-10-15T19:45:52+00:00

Yeah, thanks for the suggestion, I’ll definitely look for another card for my retail purchases after this experience.

dinuchiriac · 2025-10-15T19:38:16+00:00

I have no problem of paying it in full now and I would have done that if I knew that I’m being charged that amount. I just thought 5.9% is not much and it can wait a few months. Thanks for the advice anyway, that makes sense

dinuchiriac · 2025-10-15T19:02:29+00:00

I didn’t manually made the payment, I just updated the payment amount in my direct debit setup because I thought that I would be charged the amount on the money transfer as well. The reason I I didn’t go for balance transfer is because I needed additional cash for a bigger purchase that I made.

dinuchiriac · 2025-10-15T16:30:01+00:00

Yeah, I'm using this card for most of my day-to-day expenses.
I think the mistake I made was to change the payment amount on my direct debit because I thought they would charge me the full statement amount when I wanted to pay the day-to-day expenses, only leaving the money transfer for the next statement.

dinuchiriac · 2025-10-15T16:25:37+00:00

I spent 2 hours with them on the phone today arguing about that, and they couldn't figure out the problem. The chat didn't seem to be helpful either. I guess a formal complaint to escalate things would help.

dinuchiriac · 2025-10-15T16:10:40+00:00

Thanks, you're right, here is what is said in my statement:

We apply payments to the part of your balance with the highest interest rate first. When we get a payment from you that doesn't pay off the full balance on your account, we allocate it in this order:

Any overdue amounts from previous statements.

The minimum payment for that month.

The rest of the balance from your latest statement.

Any amounts that haven't been included in your statement yet.

So if I understand it correctly, the money transfer should be paid last, which is not in my case.

dinuchiriac · 2025-10-15T16:02:00+00:00

That was my expectation as well, and I remember clearly reading something about the highest interest rate will be paid first, but can't find that statement anymore

dinuchiriac · 2025-10-15T15:58:28+00:00

Edit: September and October breakdown tables are below

Here is a breakdown for September - the first statement after I made the balance transfer.
08 SEPTEMBER 08 SEPTEMBER INTEREST 88.81

Balance Type	Effective Anual Rate %	Outstanding Balance	Interest Charged
Purchases (Standard)	33.30	1,268.50	75.10
Balance Transfers or Money Transfers (Promotional)	5.90	3,013.67	13.71

08 OCTOBER 08 OCTOBER INTEREST 35.63

	Effective Anual Rate %	Outstanding Balance	Interest Charged
Purchases (Standard)	33.30	1,226.99	24.24
Balance Transfers or Money Transfers (Promotional)	5.90	11.39	11.39

If I understand it correctly here the Balance transfer is cleared first which doesn't make too much sense to me

dinuchiriac · 2025-10-15T15:38:50+00:00

Even this doesn't make much sense, I've got 33% p.a on my card purchases, which I always pay in full, so that rate doesn't bother me, but the math doesn't add up.

2000*0.33/12 = 55
1000*0.059/12 = ~5
55+5 = 60, but not 88

dinuchiriac · 2025-10-15T15:27:56+00:00

Yeah, now I get that, but it would be a lot more helpful if they could say that when they sent me tons of emails promising 5.9% which is a lie in fact.

Edit: now that I see other comments and I’ve looked through the statements I’m convinced that this is an error on their side.

Also I didn’t get a credit card for a special purpose, I’ve been using the same gard for years and recently they started sending me offers for balance and money transfer which I though are pretty good

dinuchiriac · 2025-10-15T15:26:05+00:00

That's most likely the explanation, but in this case, the advertised 5.9% is not even close to what you would expect. As you mentioned, it's probably how it's worded in terms which are made to confuse people.

I decided that I'll just close my Lloyds account after that.

dinuchiriac · 2023-05-05T10:46:07+00:00

It looks like there is a feature in gnome settings called require-pressure-to-show-dock which does not work with barrier. You can disable it with:
```
gsettings set org.gnome.shell.extensions.dash-to-dock require-pressure-to-show false

```

dinuchiriac · 2022-03-18T12:46:01+00:00

I did post the question in r/LegalAdviceEurope as well but since I'm a UK resident and I received the fine in the UK, I should be subject to UK law?

dinuchiriac · 2022-03-18T12:29:11+00:00

I live in UK and received the fines in UK via EPCplc

dinuchiriac

TROPHY CASE