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Sensible credit card use
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Wouldn’t use money transfers. Would pay the debts with cash from the bank but use cc to cover the resulting shortfall and pay bills etc
I have to ask - if you have this cash in the bank why weren't you using it to pay the unexpected bill or the debts?I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
Lots of questions!
Ok appreciate that I may be coming across as someone who recklessly racks up debt - I assure you I’m not!
I would rather pay the debt using cash in the bank as there would be a charge for paying the debt by cc (only about £40 but I begrudge paying it). And when I say “cash in the bank” I mean money that would normally be used for bills etc not spare cash.
Yes I absolutely will pay the minimum each month!
By the way, the debt is only about £4K0
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