mackemsuffa
Central Defender
I am not too clever with finances and could do with some help?
Can anybody PM me who could possibly help?
Can anybody PM me who could possibly help?
Credit Card Help
- Thread starter mackemsuffa
- Start date
cheeses of nazereth
Winger
If you are serious please be careful what you do here.
Don't give out any kind of bank details or names or address.
Don't give out any kind of bank details or names or address.
monkeytassle
Striker
Broad question that. What is it you need
mackemsuffa
Central Defender
I am serious, just need help with a couple of figures
Assistance with APR and spending
Just ask away here. It will see a bigger audience and might even help someone else at the same time
heroesof73
Striker
Best advice with a CC is to pay it off at the end of each month.
Far cheaper ways of getting credit if you want to make a big purchase especially in current climate
42
Striker
Theres plenty of 0% deals around on CC's
heroesof73
Striker
the boot
Winger
This is what I do/did. Can’t get a good deal now that 0% as run out and applied for another one. Only use it for internet purchases. It’s bad debt to get yourself out of trouble or just blow imo. There’s far better ways to borrow to do that
How long does this last for mate?
42
Striker
If you're using a CC correctly then the APR is irrelevent.
You should only use it for buying stuff you already have money for.
Either:
Get a cashback card & pay off in full every month. This way you get paid for buying stuff you wouldve done anyway
Or get a 0% one & whatever you buy, stash the money in a high interest account with only paying minimum. Then when 0% deal ends pay off in full & you've earned a few quid on free debt.
Plenty for puchases. Think Sainsburys are offering one for over 2 year. Mine was for 31 months.
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BigPete
Striker
This is what I do/did. Can’t get a good deal now that 0% as run out and applied for another one. Only use it for internet purchases. It’s bad debt to get yourself out of trouble or just blow imo. There’s far better ways to borrow to do that
How long does this last for mate?
Forever mate as long as paid within 45 days.
If don't pay though will get high charges
the boot
Winger
I’ve never thought of getting one for the company. Cheers. It’s my first one and the 0% finance is running out. But I pay it off everytime I purchase something does that mean I don’t pay interest still?
BigPete
Striker
Not through my company like personal but just use it for hotels, fuel, food/drinks when working away.
Submit expenses every 4 weeks.
the dude
Striker
If you are behind and struggling citizens advice are really helpful. If you aren't and are looking at getting a card make sure you are careful. Once you start getting behind it's a slippery slope. I got into serious trouble years ago and am only just managing to recover.
monkeytassle
Striker
Happy to help. No need to detail spending like but I'll happily help with advice.
I nail my cc but it gets paid every month so pay no interest
