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Scotty_B

 posted on 4th Dec 06 at 14:39

quote:
Originally posted by abdus
quote:
Originally posted by p4uls corsa
hsbc will charge u about £20 for late paynents


£12

minimum repayment is £5 or 3%

[Edited on 02-12-2006 by abdus]


Get an Egg card, their minimum payment is only 2.5% with 6 months 0% on balance tranfers. If you time it right you'll miss a months payments due to the transfer.;)


AdZ9

 posted on 4th Dec 06 at 14:07

if u dont make a payment it goes down on ur credit rating, do the right thing and make the minimum payment!


liamC

 posted on 2nd Dec 06 at 20:41

Will bare it in mind, cheers fella :)


Colin

 posted on 2nd Dec 06 at 20:37

quote:
Originally posted by liamC
I'm not arsed about the credit rating crap :)


You will be next time you try to buy something on finance or get a mortgage so keep a tight ship from now on!!:)

Best bet is pay the minimum then shift the balance onto a 0% card.


liamC

 posted on 2nd Dec 06 at 20:34

quote:
Originally posted by supacook2k
transfer it too a halifax card m8

#
A sensationally low typical 9.9% APR (variable)
#
0% on purchases for the first 9 months
#
0% for 9 months on balance transfers made in the first 90 days. (A handling fee of 3% applies per balance transfer)

www.halifax.co.uk

or

egg

0% interest on balance transfers until 1 June 2007 (plus 2.5% fee).
0% on purchases until 1 June 2007.
0% anniversary offer on balance transfers for up to five months (plus 2.5% fee).
After your 0% offers end you’ll pay our standard variable rate, currently 16.9%pa.

www.egg.com

[Edited on 02-12-2006 by supacook2k]


Can't be arsed with the hassle mate, just want it paid off and rid! Cheers anyway!

quote:
Originally posted by Fad
quote:
Originally posted by Colin
Yeah just pay the minimum!!


Yeah as if you miss a payment it'll screw up your credit rating too


A few months ago I 'forgot' :o to pay for 6 months, so I'm not arsed about the credit rating crap :)


abdus

 posted on 2nd Dec 06 at 20:28

quote:
Originally posted by p4uls corsa
hsbc will charge u about £20 for late paynents


£12

minimum repayment is £5 or 3%

[Edited on 02-12-2006 by abdus]


Fad

 posted on 2nd Dec 06 at 20:28

quote:
Originally posted by Colin
Yeah just pay the minimum!!


Yeah as if you miss a payment it'll screw up your credit rating too


supacook2k

 posted on 2nd Dec 06 at 20:22

transfer it too a halifax card m8

#
A sensationally low typical 9.9% APR (variable)
#
0% on purchases for the first 9 months
#
0% for 9 months on balance transfers made in the first 90 days. (A handling fee of 3% applies per balance transfer)

www.halifax.co.uk

or

egg

0% interest on balance transfers until 1 June 2007 (plus 2.5% fee).
0% on purchases until 1 June 2007.
0% anniversary offer on balance transfers for up to five months (plus 2.5% fee).
After your 0% offers end you’ll pay our standard variable rate, currently 16.9%pa.

www.egg.com

[Edited on 02-12-2006 by supacook2k]


liamC

 posted on 2nd Dec 06 at 20:18

Ah right cheers - Been paying off about 75-100 a month to get rid of it, but will just pay off a small bit of it to keep them happy :)

Cheers chaps


Colin

 posted on 2nd Dec 06 at 20:16

Yeah just pay the minimum!!


p4uls corsa

 posted on 2nd Dec 06 at 20:15

hsbc will charge u about £20 for late paynents


TNM

 posted on 2nd Dec 06 at 20:08

just pay back your minimum payment. on 530 notes yours looking at less than £20


liamC

 posted on 2nd Dec 06 at 20:06

I have a normal HSBC Credit Card, of which I owe 530 on.

I have been paying it back monthly, but seen as it's the xmas month I was debating just missing a months payment.

Anyone any idea how much I would then end up having to pay off on the Credit Card?

Cheers