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Curry’s ‘Your Plan’

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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.
Save £5k in 2024 challenge #32
Saved Total = £3,734.11 / £5,000

Secured/Unsecured loans x 0
Credit Cards x 7 (total limit £32,500)
Creation FS Retail Account x 1
0% Overdraft x 1 (£250)
Mortgage x £140,059.06 (Payment 1/360)
Debt = £1,068.00 (0%APR due 12/7/24, 27/10/24, 25/11/24)

Charity fundraising goal for 2024 = £1,000 for animal rehoming / dog fostering etc

Comments

  • MrFrugalFever
    MrFrugalFever Posts: 1,241 Forumite
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    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.
    Save £5k in 2024 challenge #32
    Saved Total = £3,734.11 / £5,000

    Secured/Unsecured loans x 0
    Credit Cards x 7 (total limit £32,500)
    Creation FS Retail Account x 1
    0% Overdraft x 1 (£250)
    Mortgage x £140,059.06 (Payment 1/360)
    Debt = £1,068.00 (0%APR due 12/7/24, 27/10/24, 25/11/24)

    Charity fundraising goal for 2024 = £1,000 for animal rehoming / dog fostering etc
  • dgmjr2018
    dgmjr2018 Posts: 29 Forumite
    First Anniversary First Post
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    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
    dgmjr2018 Posts: 29 Forumite
    First Anniversary First Post
    Options
    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
    MrFrugalFever Posts: 1,241 Forumite
    First Anniversary First Post Photogenic Name Dropper
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    Thanks, can you make manual payments via a CC?
    Save £5k in 2024 challenge #32
    Saved Total = £3,734.11 / £5,000

    Secured/Unsecured loans x 0
    Credit Cards x 7 (total limit £32,500)
    Creation FS Retail Account x 1
    0% Overdraft x 1 (£250)
    Mortgage x £140,059.06 (Payment 1/360)
    Debt = £1,068.00 (0%APR due 12/7/24, 27/10/24, 25/11/24)

    Charity fundraising goal for 2024 = £1,000 for animal rehoming / dog fostering etc
  • dgmjr2018
    dgmjr2018 Posts: 29 Forumite
    First Anniversary First Post
    Options
    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
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    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 ?
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