Curry’s ‘Your Plan’

MrFrugalFever

Hi all,

Can someone confirm whether the Creation Consumer Finance (Curry’s your plan finance) sits under Credit Cards or Loans in the CRA’s?

Also, would anyone know how it looks when a 6 month / 12 month deferred interest plan is selected. I am in need of a bit of tech and it is eligible for 6 months at 0% and then interest accrued if not paid off by then (a form of buy now pay later).

Thanks.

MrFrugalFever

So after a bit more reading it would appear that it acts like a credit card with a required DD payment. So next question, is it possible to pay off with a credit card at any point (taking in to account the possibility of it being treated as a cash-like-transaction)?

There are deals of 0% for 6 months and 12 months which seems pretty reasonable.

dgmjr2018

Yes - both my Clearscore (Equifax) and Credit Karma (Transunion) mark Currys my plan as a CC. 

Since I've taken advantage of multiple 0% over 9/12 months offers, Equifax marks that account as "No payment due yet/unclassified" - which I assume means that, unless the plan hasn't been settled, it will appear as beingbon an unofficial hold

dgmjr2018

Yes - both my Clearscore (Equifax) and Credit Karma (Transunion) mark Currys my plan as a CC. 

Since I've taken advantage of multiple 0% over 9/12 months offers, Equifax marks that account as "No payment due yet/unclassified" - which I assume means that, unless the plan hasn't been settled, it will appear as beingbon an unofficial hold

MrFrugalFever

Thanks, can you make manual payments via a CC?

dgmjr2018

MrFrugalFever said:

Thanks, can you make manual payments via a CC?

You can paying manually, but I would advise against using a CC, as it may view it as a cash transaction.

emperormessia

dgmjr2018 said:

Yes - both my Clearscore (Equifax) and Credit Karma (Transunion) mark Currys my plan as a CC. 

Since I've taken advantage of multiple 0% over 9/12 months offers, Equifax marks that account as "No payment due yet/unclassified" - which I assume means that, unless the plan hasn't been settled, it will appear as beingbon an unofficial hold

Hi I have a account with quite a good limit wanted to take advantage of their 6-12 month offer but changed my mind  - No Data on credit karma and on ClearScore it translate to No data as well and unknown does it appear that way on your report to ?