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Your last credit card bill
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By (user no longer on site)
over a year ago
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About £350 but Its just a timing thing as I pay it off in full every couple of weeks to avoid any interest charges. I know I’m lucky in this respect and not everybody is so fortunate or able to but I like to be totally debt free.
I put pretty much all my spend on it, and get cash back for doing so (which is why I use it).
Mainly food and petrol and the like. Boring really! |
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By (user no longer on site)
over a year ago
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I use mine for everything. I get cashback on it and then pay it off in full each month. No idea what the current balance is and I have no desire to share with the world. (It's not actually that interesting truth be told!)  |
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It’s due next week! It’s hefty as there are 2 hotels from weekends away, holiday for July and the balance for September 
I work for them so it’s a silly interest rate but generally it gets paid in full. |
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By (user no longer on site)
over a year ago
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"Why the hell would you divulge financial information like that on a public website?
You must be a ******* idiot "
What are they divulging? A number and some words. It's not like they are revealing anything useful |
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By *harpDressed ManMan
over a year ago
Here occasionally, but mostly somewhere else |
Weaned myself off it a few years back, and the overdraft.
Neither was easy, but it was worth it.
I still have one, just in case, but the only live entries on my credit report are the mortgage and the mobile phone.
Not saying credit is evil, more that we live in a culture of indiscipline. |
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By (user no longer on site)
over a year ago
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I don't use my credit card at all. Currently trying to clear it and I'm over half way. Feeling pretty good in the knowledge that I'll get the balance to zero before the end of the year  |
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By (user no longer on site)
over a year ago
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I never use credit cards, I have one but only ever use it for emergencies and not needed it yet.
I don't use credit or catalogues either. If I don't have the money then I don't have it, if I want I I save
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I've had the same credit card since I was 18. It gives me money back. I use it for all my everyday spending and pay it off in full every month. It meant I had a good credit score for when I needed my mortgage. |
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By *viatrixWoman
over a year ago
Redhill |
We do our household expenses on a single credit card to avail of benefits, points, airmiles, etc. it gets paid off in full every month.
Average balance is about £5,000 every month, give or take. Him indoors looks after that department. |
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By (user no longer on site)
over a year ago
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I’m in the lucky position to have a company card which I manage to put plenty on.
Last month it was £5250, the previous it was just over £4000. It’s generally fuel and hardware for work though with the occasional treat on there too! |
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By (user no longer on site)
over a year ago
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"I don't use Credit Cards. Never have and hopefully never will."
Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.  |
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By *andonmessMan
over a year ago
A world all of his own |
I don't have one lol. I had one, many years ago after receiving a letter saying I'd been accepted for one blah blah blah (it was a Barclay card of some description). I replied, got the card and after a couple of years of not using it, I received another letter saying that if I didn't use it within X amount of days, it'd be cancelled. I'd forgotten the pin number so it was cancelled and I never applied for one again. |
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"I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt. "
My brother and his wife are exceptional at managing their finances. And, as you suggest, they got turned down a mortgage because they have no debt! |
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By (user no longer on site)
over a year ago
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Our last bill was the highest ever but that was because We paid for almost everything for our wedding on the credit card so we would be a bit protected. It was however paid in full. |
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By (user no longer on site)
over a year ago
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"I don't use Credit Cards. Never have and hopefully never will.
Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt. "
You don't have to be in debt if you have a credit card. The only reason we make payments on credit card is it gives payment protection, Financial advisers will actually tell you it's best to make any purchase over a £100 on a credit card then pay the balance in full. |
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By *rHotNottsMan
over a year ago
Dubai & Nottingham |
"I don't use Credit Cards. Never have and hopefully never will.
Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.
You don't have to be in debt if you have a credit card. The only reason we make payments on credit card is it gives payment protection, Financial advisers will actually tell you it's best to make any purchase over a £100 on a credit card then pay the balance in full. "
That’s true and if you’re smart it makes sense to leverage interest free credit or even low rates of credit and many other benefits of using the banks money instead of yours.
BUT if you are not smart or good at budgeting; if you buy on impulse , credit cards are an absolutely terrible idea and will get you into debt
Re section75 insurance, ever tried claiming ? It’s not easy, AMEX refused me a claim for £7500 last year when STA travel folded, I had to start legal action to get them to pay, plus it’s now been extended to debit cards for many purchases |
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Mine is invariably more than some people earn, but that's because I put every business and private expense on the credit card. That way not only do I get the maximum cashback points which add up very nicely, but also deferring a major expense until the beginning of the following month means that I don't get the statement till the following month, with the end of that month to pay it in full. Effectively that's up to seven weeks interst free credit so as it's paid in full each month. |
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By *rHotNottsMan
over a year ago
Dubai & Nottingham |
"Mine is invariably more than some people earn, but that's because I put every business and private expense on the credit card. That way not only do I get the maximum cashback points which add up very nicely, but also deferring a major expense until the beginning of the following month means that I don't get the statement till the following month, with the end of that month to pay it in full. Effectively that's up to seven weeks interst free credit so as it's paid in full each month. "
What do you use ? I was using AMEX Nectar for the last 15 years as they do 4* points but have just switched everything over to Chase, for the 1.5% interest plus 1% Cashback and 5%! on round ups. Means using my own money but seems hard to beat |
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