paying bills on credit card

forever.insane

Hello,

Presumably ecause I've never really had credit before (only DFS and dreams), I don't have a good credit score (also not bad, just not good).

I've looked into getting a credit card for building up a good credit score but the minimum monthly spends are all £250, which I do not normally spend and can not afford. Can I pay my bills with it? Such as setting up direct debits on it?

Thank you.

[Deleted User]

Sometimes. Depends on bill provider.

But use it for your regular purchases and then clear in full each month when you get the statement.

Where are you seeing a minimum spend? I'm not aware of that on any credit card. You can spend as much or as little as you want.

Don't worry about the score. Just do the above, stay within limits and make payments on time and all will be well, regardless of any drops in your credit scores.

MallyGirl

forever.insane wrote: »

I've looked into getting a credit card for building up a good credit score but the minimum monthly spends are all £250, which I do not normally spend and can not afford. Can I pay my bills with it? Such as setting up direct debits on it?

Thank you.

Are they really minimum monthly spends - I have never come across that as a concept. There are some monthly payments that can be taken from a credit card but you would be better just using it for day to day purchases - food, travel, petrol, clothes, anything you would usually pay cash for can usually go on the card. Then set up a DD to repay it in full each month automatically.

PeacefulWaters

the minimum monthly spends are all £250

I have eight credit cards. None have a minimum monthly spend.

Do you have a link to information that's made you think they do?

molerat

I assume that OP is looking at the poor credit history cards that offer a "minimum credit" of £250

forever.insane

Sorry I just realised that I misread the quotes. I was looking at the minimum credit limit. I guess that if your high risk, £250 is the limit they will give you?

I agree with paying in full ect. That isn't an issue because we never really splash the cash anyway. As I say, we barely spend £250 a month (excluding our £40 food shopping anyway).

Thank you.

2ilent8cho

Do you shop at Tesco? If you are going down this route get a reward card, and the Tesco credit cards give you 1 point for every £8 spend other than Tesco. They do a foundation one if you have limited credit history. Also use the moneysaving expert credit club to see which cards they match you against, you might be surprised. If you have had DFS credit you might be able to get a non bad credit credit card.

I pay a few of my bills though my Tesco credit card such as my broadband, car tax, car insurance. EE charge 43p a bill if its non Direct Debit.