Paying it off with cash

GeoffTF

With all the recent talk about current accounts being frozen or closed, I wondered about paying off a credit card with cash. Barclaycard does not list cash as method of paying off their card, but perhaps if you turn up at a branch with cash and ID, and say that you have no other way of paying, they will accept your money. Nationwide and Metro bank both say that you can pay in branch with cash. Most other bills can be paid by credit card.

MorningcoffeeIV

Barclaycard state that you can pay in branch.

Brie

They don't say anything about cash as that involves people and they are trying to limit that as much as possible.  Much cheaper for Bcard if you pay online (no people involved) or pay over the phone (employee likely working from home so fairly cheap).

You used to be able to pay most bills with cash at the post office if there wasn't a handy branch.  Not sure it that's still an option.

born_again

While you can pay in branch with cash. 
It is more likely to trigger a check if you keep doing it. 

Acc's do not get frozen without reason, & sadly while there are many posts here. There is never the full story, which only poster & bank know.

GeoffTF

born_again said:

While you can pay in branch with cash. 
It is more likely to trigger a check if you keep doing it. 

Acc's do not get frozen without reason, & sadly while there are many posts here. There is never the full story, which only poster & bank know.

I seems to be very rare if you are entirely innocent, but "Which?" clearly believes that it does happen:

https://www.which.co.uk/news/article/why-banks-are-freezing-accounts-and-what-to-do-if-it-happens-to-you-aPXrh7F1YCx1

400ixl

I would have thought you are far more likely to raise concerns paying it in cash every month than paying it via DD, transfer or debit card.

GeoffTF

400ixl said:

I would have thought you are far more likely to raise concerns paying it in cash every month than paying it via DD, transfer or debit card.

The point is that if your bank account is frozen, you will not be able to pay by any of those methods. If your credit card provider routinely accepts cash payments, you have a plan B.

IanManc

GeoffTF said:

400ixl said:

I would have thought you are far more likely to raise concerns paying it in cash every month than paying it via DD, transfer or debit card.

The point is that if your bank account is frozen, you will not be able to pay by any of those methods. If your credit card provider routinely accepts cash payments, you have a plan B.

If you have, sensibly, a second current account with a different provider from an unconnected banking group then you can just pay off the credit card from that second account without issue if your main account is frozen.

GeoffTF

IanManc said:

GeoffTF said:

400ixl said:

I would have thought you are far more likely to raise concerns paying it in cash every month than paying it via DD, transfer or debit card.

The point is that if your bank account is frozen, you will not be able to pay by any of those methods. If your credit card provider routinely accepts cash payments, you have a plan B.

If you have, sensibly, a second current account with a different provider from an unconnected banking group then you can just pay off the credit card from that second account without issue if your main account is frozen.

That should work too , but it is a more complicated solution than just carrying on paying with your credit card with an unconnected banking group as usual. You only need the cash to cover the minimum payment for a couple of months.

I once had a Tesco savings account frozen because I had said on my application form that I would make my first deposit by direct debit, but paid by debit card instead. That was flagged up as a suspicious transaction. They refused to discuss the issue when I first phoned. I phoned again, and the lady said she would have a look. She said it should never have happened, and reinstated my account.