Using credit card to pay regular bills and direct debits

Amberowl

I have several direct debits set up to pay monthly bills and a standing order for rent however I start a new job in two weeks and am struggling to pay them. I have a very small overdraft. Can i use a credit card to pay these direct debits until i get paid? If so how?

ShelfStacker_3

If your card allows you to Super Balance Transfer (i.e. transfer amounts of money to your current account for a fee) you could try that, although most cards don't. Alternatively, you could go the long way round and withdraw large amounts of cash from the card and then pay it in, which you SHOULD NOT do because it will cost you lots of money.

I take it you've asked the bank for an extension to your overdraft...? They're bound by the Banking Code to help you out in difficult circumstances, try them first.

jamalfatty

ShelfStacker wrote: »

I take it you've asked the bank for an extension to your overdraft...? They're bound by the Banking Code to help you out in difficult circumstances, try them first.

That doesnt mean they have to give you an overdraft just because your skint

suexxx

I had same prob as you i ended up taking cash out of cash machine with my credit card and then ended up paying it into my bank account,its o.k for a one off but thats all.ask your bank for an increased over draft x

ShelfStacker_3

jamalfatty wrote: »

That doesnt mean they have to give you an overdraft just because your skint

Starting a new job in two weeks is an excellent example of "difficult circumstances", and so long as he can prove it (and "it" includes him being able to pay the money back with his wages) the bank would be on shaky ground not to accept.

If he'd spunked all his money on sh*te then I could understand the banks being leery, but he has genuine concern and is making obvious efforts to make sure his bills get paid.