Credit Cards

[Marcg868]

Just a quick question, whats the best way to pay your bill?

Can i go into my local branch for example and pay by debit card? Or do it over the phone or something.

Also can you choose what you pay, or is it the minimum payment or full amount.
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JACK, MISS YOU LOADS YOU LEGEND.

[Mr.Everready]

I pay mine at the local branch. I can also do it online.
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the undemocratically unelected mod of the Scottish section

[Mr.Everready]

You can pay anything you want. If you don't then you'll be charged.
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the undemocratically unelected mod of the Scottish section

[TheShaggyDA]

Who is the card with? I pay mine online. If you have a bank account you can manage online, you should be able to get the sort code and account number of the credit card account to make a payment to.
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[Marcg868]

Its with Royal Bank of Scotland. I just dont particully want to pay Minimum payments on it, id probably just pay all of it off or at the very least 50% of it.
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JACK, MISS YOU LOADS YOU LEGEND.

[Bendy]

Follow the instructions on the monthly statement.

[feef]

does noone read the agreement and guidelines when taking out relatively important financial commitments these days?

Any idea what the APR is?
is there an interest free period each month?
do they charge for cash withdrawls at ATM machines?
what do they charge for using the card abroad in addition to exchange rate conversions?
what is the minimum monthly payment as a percentage and what's the lowest amount that can be paid (if the %age is below a threshold)?

these are the basic questions we should all know about our credit cards..

is it any wonder that 18-35yr olds in this country are in more debt than they ever have been in the past, if we don't read and understand the basics?

a
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[BFG]

It's always irritated me that the Direct Debit method is exploited by the CC companies.

Usually they give you two options. Pay off the entire balance every month or a tiny amount which *just* covers the interest. This means if you want more than a month's credit, you get shafted unless you remember to make extra payments manually.

I found out a while back that you can pay a regular amount off automatically on your own terms. As Shaggy says above.

[feef]

[Marcg868]

Any idea what the APR is? 0% for 9 months, 14.6% annual

is there an interest free period each month? Yes, see above

do they charge for cash withdrawls at ATM machines? £2.50 per cash withdrawl
what do they charge for using the card abroad in addition to exchange rate conversions? No idea, didnt bother to look what is the minimum monthly payment as a percentage and what's the lowest amount that can be paid (if the %age is below a threshold)? 2.25% or £5
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[feef]

[Marcg868]

Its for purchases, cant quite remember how much it is for balance transfers.

And i was just asking, because i wasnt sure if you had pay either minimum payment or pay it off full, or you could choose how much you want to.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[gemma1675]

If it's 0% for 9 months then you only want to pay the minimum anyway and keep what you would have paid off in an interest bearing account until the end of the interest free period on the card.
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[lozzypop1]

[Marcg868]

Well i dont have it in front of me so dont really know. i'll have a read through the agreement again when i get back from work.

Card information, dont know if that explains anything to you

https://www.rbs.co.uk/Personal_Finances/Credit_Cards/Classic_Card/default.htm
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JACK, MISS YOU LOADS YOU LEGEND.

[feef]

[Annabella]

[Marcg868]

Yeah thats fine, i'll probably hardly use it anyway. Its just there if im really really desperate. If i cant afford something i dont have it, its thats simple really. Got 8k sitting in Halifax savings account. So if worst ever comes to the worst ive always got that. Sensible with money you see.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[TOM M]

Ive got 2 and i jus pay mine online or over the telephone using the automated system.
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Now owner of a 1200 Bandit

[Marcg868]

So i take it you can just pay over the phone using your Debit/Current account card?
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[BFG]

[feef]

[Marcg868]

I'll stick to my mastercard. Whats the fugging difference ?
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[feef]