Credit cards. How do you pay yours?

Disco Boy · 10 Mar 2011 at 16:18

Mine is set to pay the balance off in ful automatically when it's due.

DJMK4 · 10 Mar 2011 at 16:25

I pay mine off with another credit card, then pay that card off with a bank loan, I pay the bank loan with the money I launder from bank robberys

utajoker · 10 Mar 2011 at 16:27

i just pay off as much as i can each month.

^187 · 10 Mar 2011 at 16:27

Pay 100%, every month manually online.

My CC philosophy, If I haven't got the money to pay the bill in my bank account, I don't buy the thing in question.

Ironic Namesake · 10 Mar 2011 at 16:30

Manually, in full every month. I have so many of the damn things now from various promotions etc. that I sometimes forget to pay one, resulting in a £12 fine which usually ends up getting refunded

Going to cancel most of them soon, really pointless having 8-9 of the things when I really only need a few.

Street · 10 Mar 2011 at 16:33

Mines set up on Direct Debit to pay the full amount off every month!

kefkef · 10 Mar 2011 at 16:37

Direct deibt for minimum amount each month so i always make the payments, then pay the rest off using online payments/banking. Means if i dont fancy paying it all off one month i dont have to.

SeatIbiza · 10 Mar 2011 at 17:19

mine currently is on the lowest by DD because I was paying a fixed £200 DD (min is £26ish) but as i'm interest free until july I have just chucked the money into an e saver account (ISA full) as at least it'll make me about 78p until june

Plus I then have the option of have over £1k cash or just paying the damn card off. Not decided what to do yet!

A2Z · 10 Mar 2011 at 17:41

Mine is set to pay minimum amount every month by dd, but only because i didnt have a job until about a month ago.

Now i just pay off as much as I can online, by next week should be totally paid off, then just got £1500 of overdraft to pay off till I can start saving

Strife212 · 10 Mar 2011 at 17:44

In full every month, but I have to journey to the bank because it's complicated to pay LLoyds cards online and I've never set up a direct debit

St0rmer66 · 10 Mar 2011 at 17:46

Russinating said:
In full every month. I just use mine like a debit card rather than a credit card.

This. Extra protection online is a bonus.

theNude · 10 Mar 2011 at 17:47

currently 5-600 a month. only had it to support a friend who didnt have a uk bank account and then she went back to her country leaving me with a balance

Schizo · 10 Mar 2011 at 17:48

dont have one.

pay with hard earned cash.

Phreaky · 10 Mar 2011 at 17:50

£30 automagically, and then a bigger amount on top depending on what I have available. Never had more than £300 on my card though.

Clipsey · 10 Mar 2011 at 19:12

Use if for EVERYTHING. Pay it in full each month. Then reap the cash back rewards for Xmas gifts at the end of the year for family

DBT85 · 10 Mar 2011 at 19:41

In full every month.

Haircut · 10 Mar 2011 at 19:42

Pay in full by direct debit.

I did fall foul of this last year though by not paying much attention to what I had going out when.
I used to only keep a very small amount in my current account and transfer money from my savings account when needed.
Forgot to do that for a while and the direct debit for my credit card payment caused my account to go overdrawn, which ended up with the payment getting rejected so I had a failed direct debit payment and the credit card missed payment.

Fast forward to the next month and I neglected to realise that the credit card company had cancelled the direct debit due to the failed payment and I didn't realise until that month's payment had been missed

Lesson learned and I now keep a little bit more of a buffer in my current account!

[FnG]magnolia · 10 Mar 2011 at 20:44

Almost everything goes on our card and we pay it off in full every month.