I don't understand how credit card works

chuckley

but you said you forgot to pay and were in a minus?! and or were over balance?!

jennifernil

ConfusingCard wrote: »

Because the cashback is totally worth it - it's Natwest so not the best cashback card (from what I've read on here) but even so, at the moment I get 3% back on supermarket, they've had an offer where I've gotten 10% back on bars/restaurants.... 1% back on all contactless payments - it all adds up

It is complicated but I think that's my fault for not really understanding how it's all supposed to work with payments... :undecidedhence this thread.

Exactly......you need to understand it all before you get into a mess!

So until you do, it may well be safer to use your debit card when you reach your limit.

It sounds like you may have already gone over your limit at one point, so may already have incurred a fee.

[Deleted User]

ConfusingCard wrote: »

A trusted family member. Is it bad advice? Their reasoning being that if something does happen you won't be £ down whilst it's getting sorted out.

That's very bad advice. At least set up a DD for the minimum payment, if nothing else.

That advice is like saying you should ride a bike without a helmet, because that way if you fall off, you won't have to replace the helmet.