liamC
Member
Registered: 28th Feb 04
User status: Offline
|
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
|
TNM
Member
Registered: 5th Apr 04
Location: Nottingham Drives: VW Tiguan
User status: Offline
|
just pay back your minimum payment. on 530 notes yours looking at less than £20
|
p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
|
hsbc will charge u about £20 for late paynents
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Yeah just pay the minimum!!
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
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
|
supacook2k
Member
Registered: 26th May 03
User status: Offline
|
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]
|
Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
|
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
|
abdus
Member
Registered: 23rd Feb 06
User status: Offline
|
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]
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
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'  to pay for 6 months, so I'm not arsed about the credit rating crap
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
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
Member
Registered: 28th Feb 04
User status: Offline
|
Will bare it in mind, cheers fella
|
AdZ9
Member
Registered: 14th Apr 06
User status: Offline
|
if u dont make a payment it goes down on ur credit rating, do the right thing and make the minimum payment!
|
Scotty_B
Member
Registered: 11th Jun 03
Location: East Kilbride
User status: Offline
|
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.
|
