Re: Moans and Pet Hates part 8
 

Brain fart moment, i some how forgot to pay my Credit Card off for July, first time ever that has happened!

Re: Moans and Pet Hates part 8
 

It's might be worth a phone call - I forgot once and the payment was a day late - phoned NatWest and they waved the late payment fee and refunded 75% of the interest as they could see we normally pay the balance in full.

Re: Moans and Pet Hates part 8
 

I can't be arsed with a phone call to be honest so I will just pay the £29 charges, and hopefully not forget next time. :)

Re: Moans and Pet Hates part 8
 

A direct debit to pay the full amount off every month is the easy solution.

Re: Moans and Pet Hates part 8
 

put a reminder on your phone calendar, and I’ve also set the Credit Card Apps to send me a reminder when it’s due.

Multiple redundancy... ;)

Re: Moans and Pet Hates part 8
 

I 99.99% of the time pay off in full, but sometimes I get a big month so pay some off then defer the rest until the following month.

Re: Moans and Pet Hates part 8
 

I would need to make sure i have enough in my current account for that each month, so i cant really do that when some months are huge where i would need to move some money about to cover it before i make full payment.

Re: Moans and Pet Hates part 8
 

I only have a credit card because for a while I had an employer I had to rack up fairly chunky expenses with. I keep it out of habit and just in case I ever do need a wedge I couldn’t immediately pay back but so far that’s never happened. I have a DD set up, with an instruction to clear the balance every month. That’s the norm, so if I needed to keep the money I’d go into the app and manually reduce the payment as a one off.

Re: Moans and Pet Hates part 8
 

We pay everything by Debit card and DD as we used to have several credit cards when we were younger but its very ease to spend money one has not got imo.

Re: Moans and Pet Hates part 8
 

Luckily I've never had that problem so everything just gets put on the CC where I get Tesco points and it also helps a credit rating.

But I understand if times change and I found myself without a job the temptation may come to use the CC and not pay it back each month and that would be bad.

Re: Moans and Pet Hates part 8
 

I believe you can also do a DD for the minimum amount, and make an extra payment to pay the rest off if you can. At least then you'd never miss a payment.

Re: Moans and Pet Hates part 8
 

I forgot one time and it was a Bank Holiday. I had to pay the £20,for late payment. I always pay it in full every month. I was so angry with myself/ I only use it now if i have too,

Re: Moans and Pet Hates part 8
 

https://www.bbc.co.uk/news/uk-england-53850642


Why wasn't that scumbag dragged to the court.

I'd have hog tied him and gagged him.

Re: Moans and Pet Hates part 8
 

Because we're better than him.

Re: Moans and Pet Hates part 8