We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

M&S mistake and account when to overdraft

CuriousUser · 2019-01-21 12:55:27

Hello, I have an M&S credit card with a 32 months free interest for a balance transfer. I did a balance transfer from another credit card of £1,402 and then I called M&S (4th January) so I can set up a Direct Debit of a minimum payment but still to clear off the balance before I will be charged any interest. The lady I…

Options

Comments

surreysaver Posts: 4,802 Forumite

23 January 2019 at 8:04PM

colsten wrote: »

If the transaction affects your credit file at all, it will long have vanished in 1.5 to 2 years' time.

The £100 sounds a good offer, though how good it is depends on how much your overdraft charges will actually be. How much will you have to pay?

Is it not two years it remains on your credit file for?

I consider myself to be a male feminist. Is that allowed?
0