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Shop Direct over limit, never missed a payment

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Comments

  • LuSiVe
    LuSiVe Posts: 1,059
    Part of the Furniture 1,000 Posts Combo Breaker Name Dropper
    Forumite
    grumbler wrote: »
    I don't get it...
    Are the min payments not zero for BNPL?

    Yes, they appear completely separately from your normal balance. To pay any off you have to actively go and deliberately pay it off that item.
  • JimmyTheWig
    JimmyTheWig Posts: 12,199
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Forumite
    grumbler wrote: »
    As a side note, for a person with "other priority debts to clear first" it's crazy to pay 40%+ APR. How much do your other debts cost if they have 'priority' over 40%?
    Mortgage?
    Council tax?
  • grumbler
    grumbler Posts: 58,629
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Well, in this case the OP shouldn't have made this purchase in the first place as from the very start he had "other priority debts to clear first" and was unable to save for paying this purchase off at the end of the BNPL term.
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