Barclaycard - loan - interest rate help please - made mistake

il638

Hi All, got a credit card from barclay card with 12months interest free on balance transfers and spending etc.

well as its my first credit card, i messed up and maxed it out at £3500 and iin november, i will start being charged interest.

How much will i be charged interest a month? can anyone help? i can afford £300 a month after all my spending toward the card.

all i can find when i login to my barclaycard is:

Interest Rates
Annual Purchase Rate 19.9%
Cash Interest Rate 27.9%

i have about half of it on spending and half on balance transfer as i got another card at same time at shorter time and luckily paid all that off and now i'm left with this.

Starting to realise i was too stupid and didnt look into it at all properly just had my eye on stupid luxuries.

so can anyone help me to see how long i will be paying £300 a month for before its paid off. im guessing the rate above is for the 1650 on cash and the rest thats balance transfer what will that get charged at? none has been taken out from cash machine as cash..so the second wont apply i dont think.

Thanks

Herbalus

About 13 months at 18.9% APR according to this calculator, so maybe a little longer than that as yours is 19.9%.

il638

cheers would that be the same rate for the balance transfer portion? all my statements just say 0.000% promotional spending or transfer, so dont actually see what figure i will be charged.

Herbalus

Most barclaycards charge the same for purchases and balance transfers, so I'd guess yours will be the same, though it should say on your paperwork though. Is there a summary box attached to any of your statements? It will be on there.