Paying Creation Finance balance

Roseanne1887

Hello all. 

I bought a new PC from Currys before Christmas last year and opted to pay on a buy now pay later basis with Creation Finance.  If I pay all of what I owe by 3rd September I will have no interest to pay.  I was considering paying this with a credit card that awards me cash back.  However when I logged in and went to pay on my Creation account I got the following message:

Make an extra payment anytime you like to lower your monthly Direct Debit payments or reduce the term of your Plan. We advise that you don't use a credit card to make payments as you may be charged fees or interest by your credit card provider.

If I am paying off my plan in full,  does anyone know if I would be charged any extra fees or would it be just treated like a normal credit card payment?  I know you get things like fees to pay or interest charges when you withdraw from an ATM with a credit card so I'm wondering if there is a similar situation with paying finance companies for credit taken out.

Any advice gratefully received.  Thanks. 😊

Ayr_Rage

They are correct, most credit card providers treat paying off another credit agreement as a cash advance with the associated fees.

You certainly will find that doing so will be excluded from any cashback deal.

Roseanne1887

Thanks that crossed my mind about the possibility of it maybe being treated like a cash advance, thanks for confirming I won't take any chances.  I'll just pay it off from a bank account.  Thanks again.