Paying household bills with a Credit Card

Originally Posted by SnoopZ

I am on Tracker but I thought if someone doesn't pay by direct debit there is an extra charge, whether it's virgin media or octopus or any other company.

Your comment seems unrelated to my question.

His comment seems directly related - Octopus told him you dont pay extra for non DD payments unless you are on flexible - you are not, you're on Tracker, so you could pay by CC every month if you wanted. However, you have to do it manually, there is no automation for CC payments.

[SnoopZ]

Originally Posted by Jaymoss

Did you miss the quote where I actually asked Octopus who is your supplier I believe ?

I think so as you quoted Paul's message originally and then later quoted me so I was confused as I was just skimming the thread.

[Hom3r]

I've always paid by Direct Debit, the exception is my Xbox Live Ultimate which comes off my credit card.

[Itshim]

What's a credit card

[papa smurf]

Originally Posted by Itshim

What's a credit card

It's what poor people have instead of money.

[Sephiroth]

Originally Posted by Itshim

What's a credit card

Something to use with your £1 million.

[SnoopZ]

Originally Posted by papa smurf

It's what poor people have instead of money.

Lol, or what clued up people use when buying stuff and are sensible enough to be able to pay it off in full each month.

Originally Posted by SnoopZ

Lol, or what clued up people use when buying stuff and are sensible enough to be able to pay it off in full each month.

^^^
This

We only do this, or if it’s good value against comparative goods/companies, interest free credit (for example, bought my Pixel 8 Pro on interest free credit over 18 months with John Lewis, as they were also offering £125 off as well (cheapest on the market at that time), and just bought our replacement dishwasher on AO on interest free credit over 12 months) - I’d rather it was in my bank account than theirs (also helps keep our credit rating high, as all payments are by Direct Debit and credit cards are paid off in full each month).

[TheDaddy]

Originally Posted by Hugh

^^^
This

We only do this, or if it’s good value against comparative goods/companies, interest free credit (for example, bought my Pixel 8 Pro on interest free credit over 18 months with John Lewis, as they were also offering £125 off as well (cheapest on the market at that time), and just bought our replacement dishwasher on AO on interest free credit over 12 months) - I’d rather it was in my bank account than theirs (also helps keep our credit rating high, as all payments are by Direct Debit and credit cards are paid off in full each month).

You also get insurance for the full price of the item if anything goes wrong thanks to section 75 of the consumer credit act, whenever I get a new car I pay the deposit on a credit card, often to the dealers chagrin but if they object too strongly I go elsewhere as the full cost is covered, providing its between £100- £30000 iirc

Originally Posted by Hugh

^^^
This

We only do this, or if it’s good value against comparative goods/companies, interest free credit (for example, bought my Pixel 8 Pro on interest free credit over 18 months with John Lewis, as they were also offering £125 off as well (cheapest on the market at that time), and just bought our replacement dishwasher on AO on interest free credit over 12 months) - I’d rather it was in my bank account than theirs (also helps keep our credit rating high, as all payments are by Direct Debit and credit cards are paid off in full each month).

I do it for Amex points but as has been said you HAVE to pay if off each month otherwise it costs you.

Originally Posted by SnoopZ

Lol, or what clued up people use when buying stuff and are sensible enough to be able to pay it off in full each month.

Indeed, and even better, they pay me cashback for using it/them as well.

[Itshim]

"We" *never borrow money its a sure way to make sure that you will make someone else rich , *well at least since prohibition , according to family stories. Guess we will never know for sure

[Sephiroth]

Originally Posted by Itshim

"We" *never borrow money its a sure way to make sure that you will make someone else rich , *well at least since prohibition , according to family stories. Guess we will never know for sure

£1m goes a long way!!

[papa smurf]

Originally Posted by Sephiroth

£1m goes a long way!!

You always remember your first one fondly.

I remember my first million ...... it was in italian Lire in 1995.
We went to Italy for a few days, you got about 3000L to a pound.