Minimum Purchase Price

r2015

Do others feel embarrassed when they walk into Lidl and buy a 45p pint of milk on their credit card because they need an extra direct debit for their bank account?


I have 4 credit cards which I have set up direct debits to pay them in full but normally use my Nationwide credit card for the cashback.


So every week I use a different credit card to buy a pint of milk from Lidl which gives me 4 direct debits.

[Deleted User]

Does it state the direct debits need to be making payments, or just be "active" on your account?

radoslaff

Haha, this is not worth even the paper for the receipt but there's nothing to be embarrassed of. Some other users here have reported that their CC companies wouldn't collect the direct debit worth less than 50p though. I think you better spend a bit more than £1.00 just to be on the safe side.

MABLE

r2015 wrote: »

Do others feel embarrassed when they walk into Lidl and buy a 45p pint of milk on their credit card because they need an extra direct debit for their bank account?


I have 4 credit cards which I have set up direct debits to pay them in full but normally use my Nationwide credit card for the cashback.


So every week I use a different credit card to buy a pint of milk from Lidl which gives me 4 direct debits.

I never feel embarrassed to buy small priced items in shops. I usually use their self service tills and tend to pay by Apple pay.

r2015

I usually use their self service tills

There are none in my Lidl

r2015

Does it state the direct debits need to be making payments, or just be "active" on your account?

I don't know, I have set them up to replace my Tesco savings direct debits.

Two for my Vantage account and 2 for my Reward account as I have my "proper" DDs in my Santander account to get the cashback.

meer53

Why not use it for a bigger spend if you're embarrassed ? If you're paying it off in full it doesn't make any difference.

[Deleted User]

Maybe up it to two pints of milk?

AllieKat

Why be embarrassed if that's all you need. I'd be more worried in case they have a minimum payment of £1 as some card companies do. They might not take the money then hit you with a late payment fee. I don't know if they'll hit you with the fee or not I've never ran the risk myself.

SnowTiger

AllieKat wrote: »

Why be embarrassed if that's all you need. I'd be more worried in case they have a minimum payment of £1 as some card companies do. They might not take the money then hit you with a late payment fee. I don't know if they'll hit you with the fee or not I've never ran the risk myself.

That sounds like urban myth to me.

betweenarockandhardplace

I do something similar with my 2 !!!8220;unused!!!8221; cards, on one I have my now tv pass come my off it every month (£3.99) and I pay in full by direct debit and my other card I have Apple Music subscription (£4.99) every month and pay in full, just keeping the cards for length of accounts being open, I use my Barclaycard as my main credit card