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  • FIRST POST
    • viciovbuk
    • By viciovbuk 12th Jan 18, 7:38 AM
    • 21Posts
    • 2Thanks
    viciovbuk
    Credit card repayment
    • #1
    • 12th Jan 18, 7:38 AM
    Credit card repayment 12th Jan 18 at 7:38 AM
    Hi,

    I have a barclaycard with a £1200 limit. I don't pay too much with it so I set a direct debit to repay every month.
    I'm planning an holiday so probably I'm gonna spend more than usual and I won't be able to repay the full amount.
    Do I need to cancel my DD and just pay what I can and so on for the other months or if I pay an amount before the DD they won't collect the rest on DD date?

    Thank you
    Last edited by viciovbuk; 12-01-2018 at 7:46 AM.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 12th Jan 18, 7:46 AM
    • 385 Posts
    • 214 Thanks
    Gary_Dexter
    • #2
    • 12th Jan 18, 7:46 AM
    • #2
    • 12th Jan 18, 7:46 AM
    If you can't afford it then don't pay for it.

    Your direct debit will still come out as usual
    • BoGoF
    • By BoGoF 12th Jan 18, 8:12 AM
    • 2,852 Posts
    • 2,096 Thanks
    BoGoF
    • #3
    • 12th Jan 18, 8:12 AM
    • #3
    • 12th Jan 18, 8:12 AM
    Depending on your card provider your d/d may or may not still be collected if you made a separate payment.

    You will need to amend your d/d to the minimum payment or a fixed sum per month.
    • Oakdene
    • By Oakdene 12th Jan 18, 8:20 AM
    • 1,462 Posts
    • 4,872 Thanks
    Oakdene
    • #4
    • 12th Jan 18, 8:20 AM
    • #4
    • 12th Jan 18, 8:20 AM
    Why not log onto your online Barclaycard account & change the DD payment amount to minimum (plus £1) then you can make any extra payments as & when required.
    Hiraeth
    • Nebulous2
    • By Nebulous2 12th Jan 18, 8:22 AM
    • 1,695 Posts
    • 1,037 Thanks
    Nebulous2
    • #5
    • 12th Jan 18, 8:22 AM
    • #5
    • 12th Jan 18, 8:22 AM
    You need to check your terms and conditions. I have my Barclaycard DD setup for a minimum payment and pay the full amount manually each month. They don't take the DD. As long as I pay more than the minimum with enough time (4 or 5 days) to let them alter the DD they don't take it.

    I'd expect yours to be the same, but it may depend which Barclaycard you have.
    • zx81
    • By zx81 12th Jan 18, 8:39 AM
    • 14,929 Posts
    • 15,776 Thanks
    zx81
    • #6
    • 12th Jan 18, 8:39 AM
    • #6
    • 12th Jan 18, 8:39 AM
    The OP appears to have a full pay DD set up. That means the balance will still be taken, regardless of any other payments.
    • enjoyyourshoes
    • By enjoyyourshoes 12th Jan 18, 8:44 AM
    • 959 Posts
    • 1,174 Thanks
    enjoyyourshoes
    • #7
    • 12th Jan 18, 8:44 AM
    • #7
    • 12th Jan 18, 8:44 AM
    Agree with Gary, save for the holiday, then there is no CC charges , DD stay the same and life is good.

    Just read some of the 'I need help' posts with CC debt and it may change your mind !?
    Debt is a symptom, solve the problem.
    • viciovbuk
    • By viciovbuk 12th Jan 18, 8:53 AM
    • 21 Posts
    • 2 Thanks
    viciovbuk
    • #8
    • 12th Jan 18, 8:53 AM
    • #8
    • 12th Jan 18, 8:53 AM
    Thank you all, I'm gonna change my DD to the minimum + £1 and go with Nebulous2 idea

    I try to save money for my holiday but I'm asking just in case I need to use my credit card more than I usually do.
    • Gary_Dexter
    • By Gary_Dexter 12th Jan 18, 9:21 AM
    • 385 Posts
    • 214 Thanks
    Gary_Dexter
    • #9
    • 12th Jan 18, 9:21 AM
    • #9
    • 12th Jan 18, 9:21 AM
    Are you planning on using the card on holiday?

    Is it abroad or in the UK?

    If abroad don't forget any commissions and exchange rates you'll also get stung with
    • viciovbuk
    • By viciovbuk 15th Jan 18, 8:40 AM
    • 21 Posts
    • 2 Thanks
    viciovbuk
    Are you planning on using the card on holiday?

    Is it abroad or in the UK?

    If abroad don't forget any commissions and exchange rates you'll also get stung with
    Originally posted by Gary_Dexter
    Thank you, I've considered also other commissions
    • chattychappy
    • By chattychappy 15th Jan 18, 9:09 AM
    • 6,552 Posts
    • 3,475 Thanks
    chattychappy
    Perhaps consider applying for a 0% on purchases card? Standard interest on Barclaycard whilst no means the worst can still be punishing if you are not clearing in full.
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