Help! So confused!

Angelhales2601

Ok so a month or two ago the bank offered me a credit card, for some reason I accepted! I've now run up a £900 bill and my only income is benefits!

I want to pay online but cant figure that out, I'm also looking for a new account but cant find any that accept people with no income!

Someone please explain to me how I pay it back, I'm bamboozled!

frugallass

what's the minimum payment on the card?

agsnu

Angelhales2601 wrote: »

I want to pay online but cant figure that out

If you explain which card it is someone might be able to help you. Typically you can pay CCs online two ways: either by logging in to your CC account online and making a payment via a debit card, or by logging in to your bank account online and making a bill payment from there.

I'm also looking for a new account but cant find any that accept people with no income!

Why do you want another account?

elona

I think she wants a second credit card to pay off the first credit card.

That will then entail a third card to pay off the first two and a fourth to pay off the third........

PROLIANT

The maximum limit on a card for people on benefits should £100-£200 max, how she was allowed to rack up nearly a grand on benefits is beyond me, I can understand that things are tight when on benefits or out of work what ever so a credit card with a small limit would be ideal for "just in case" situations like the cooker breaking down or for food, childrens shoes/clothes or maybe a suite for a job interview maybe, but the limit should be realistic.

jonesMUFCforever

What did OP put down as income?
Was she asked about employment status?

Even if she did not get asked the relevant questions then she has to be answerable to herself for running up a debt she cannot afford.

My suggestion for paying off the debt is to take back as much as possible of the goods purchased with the card and get the amounts refunded to the card.

frugallass

jonesMUFCforever wrote: »

What did OP put down as income?
Was she asked about employment status?

Even if she did not get asked the relevant questions then she has to be answerable to herself for running up a debt she cannot afford.

My suggestion for paying off the debt is to take back as much as possible of the goods purchased with the card and get the amounts refunded to the card.

fair point and good suggestions :T

Angelhales2601

To all those telling me what I already know, THANKS!

The account is a Lloyds TSB Duo Amex Credit Card. Minimum payments is £15 a month, I've worked out I can pay back £50 a month though but thats when I figure out how to pay it online!

I DONT want another credit card to pay this one off, I am not that stupid. I want another current account for daily use and keep my lloyds current account to pay back the credit card so I dont use that money for other things.

Needless to say I have now cut up the credit cards. And none of the purchases can be returned.

Oh and also I was asked about income, I explained that I was on benefits and they didnt have an issue with that at all.

frugallass

speak to your bank about setting up a regular payment for the card - £50 a month is great if you can afford that, you'll have the debt paid in no time at all - the bank should be able to explain the online thing better to you

I still don't really understand why opening another bank account will help though

I'm very surprised that they offered you a card when you're on benefits - what spending limit did they give you?

Angelhales2601

The limit on the card is/was £1500 with the opportunity to move to a £2000 if I asked for it.

I was dumb but hey we all do dumb things once or twice!

frugallass

we do - it's still a shame that your bank offered it to you knowing you were on benefits - the good news is that you can pay more than the minimum so you'll clear the debt