How much is on your credit card?

Logsi · 8 May 2012 at 15:34

Usually just use mine for petrol purchases and drip pay the money off.

Only use my credit card really for internet purchases and to get a better credit rating. 999 out of 999 on experian is pretty good!

lookitsjonno · 8 May 2012 at 15:36

£1.8k with £1.5k to be paid off this week.

antijoke · 8 May 2012 at 15:36

SideWinder said:
How come if i may ask?

Because I ran up loads of money on them (about £9k across two cards), finally got them all sorted out, and I have managed to live without them for about 5 years now so don't see the point in getting another one.

Fire_fly · 8 May 2012 at 15:37

£0, don't have one and don't really want one. The only way I would consider one is for buying things such as holidays and filghts so if anything goes wrong I can get my money back.

Pho · 8 May 2012 at 15:37

£0.

Well, technically £164.41 but that's next months bill which will get paid off straight away.

bledd · 8 May 2012 at 15:37

I could do with switching to a new 0% for a few months. I've had other things to spend money on recently and currently at about £1800 on my CC

James J · 8 May 2012 at 15:38

King Damager said:
£0

Don't have one.

kd

This, minus the kd part!

HeX · 8 May 2012 at 15:38

Strife212 said:
£0, I use it a lot but fully pay it each month.

This. I buy most things (online) on my CC. But it's setup with a DD so it's cleared off the next month.

poker_999 · 8 May 2012 at 15:38

about 11k

Narj · 8 May 2012 at 15:46

9K - I paid for a new kitchen, bathroom and some other stuff for the house on a 0% card rather than borrow more on the mortgage. If you're sensible with them, credit cards can be useful.

TommyV · 8 May 2012 at 15:47

£0. Don't plan on getting one anytime soon either. Although the need may arise at some point.

Simian · 8 May 2012 at 15:50

SideWinder said:
Eeeek...but is it under control and being paid off slowly?

Yep!..

Don't actually 'Physically' have any of the 3 cards!, so I can't use em!!..

The Main Ballance was run up by my Ex-Wife and she stiffed me with the bill :mad:

Though I have half'd the total from in 18 months what she left me with!! :cool:

Wyrdo · 8 May 2012 at 15:51

About £2.5k on 0% for the next 18 months.

I also have another card I use for work expenses which I clear in full every month, that's usually £1k a month.

lee32uk · 8 May 2012 at 15:52

I only have a debit card

J1234 · 8 May 2012 at 15:52

£0 at the moment. Use it for all purchases but usually clear it monthly.

ci_newman · 8 May 2012 at 15:52

£0.

As of last month, I am debt-free excluding mortgage

Happy days.

FlapR · 8 May 2012 at 15:53

£450 on one and £200 on another.

bledd · 8 May 2012 at 16:05

bledd. said:
I could do with switching to a new 0% for a few months. I've had other things to spend money on recently and currently at about £1800 on my CC

If I went for this..

http://www.barclaycard.co.uk/personal/credit-cards/platinum-low-fee-may

Then did a balance transfer from my current card to this of £1800, do I get charged by both companies? Or just from Barclaycard?

I've never done a balance transfer before, but I think it makes much more sense for me to do one at the moment.

I'm only in the position to pay the normal repayments at the moment. Come the end of June and I can pay off £250-300 a month again.

Wyrdo · 8 May 2012 at 16:08

You just get charged by the card you're transferring to.

Yeggstry · 8 May 2012 at 16:09

£5.5k on a 15 month 0% card, was stoozing with this one. The money we spent normally over 3-4 months went straight into the 90% LTV mortgage we had to get it down to 85%

Probably going to balance transfer it when it finishes.

£2k on normal credit card, with about £1600 to pay off in a week or so. £4k limit on this one, pretty much every card payment I do uses this, and I pay it off every month with direct debit.