Minimum Payments

mezzor

bengal-stripe wrote: »

If you "almost paid off" the 2k transfer in about a year, you must have made considerable payments onto the card, which of course would have been in excess of the minimum payment required.

You might have missed the fact a minimum payment was needed as your payments did exceeded the minimum.

I have roughly £400 left to pay and 13-14 months left of 0% so yeah roughly I've paid £150 each month since I've had the card, sometimes I've called up and paid less and sometimes I'd call and make additional payments.

I can only go back 6 months to view my statements and they all show £0 min payment so everyone must be right.

Ben8282

I think you are somehow misreading or misinterpreting the statements. On those occasions when you called up and paid less, were you not advised of a minimum amount that you had to pay that month.
Another question. If no minimum payment was required each month, why did you make any payments at all? If I had a 0% balance no minimum payment required I would have paid them nothing and paid the £150pm into an interest paying account then paid off the entire balance in one go at the end. What is the purpose of reducing a 0% balance?