Do You Have A Credit Card? - Mumsnet

3 days ago · Yes, almost all my expenditure goes on a credit card then gets paid off by an automatic direct debit in full each month (unless I've got a 0% purchases deal in which case the funds sit in savings and the card balance gets paid off just before the 0% deal finishes).

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Do You Have A Credit Card? - Mumsnet

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Do I Really Need A Credit Card? : R/CreditCards - Reddit

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Now, let’s say you earn $2k in April. You swipe your credit card for $500 in purchases in April. You don’t have to pay until the due date, which is sometime in May. That said, don’t spend …

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Zable Credit Card - MoneySavingExpert Forum

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Nov 16, 2022 · I have a zable (Level as they were) card, started at £250 limit and raised to £400 then £1000 through time and use. I don't use it now but haven't closed it. @Deleted_User is …

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How Do You Use Your Credit Card? - Mumsnet

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Jun 27, 2021 · Well, it's not how most people do use their credit card BUT what you are doing does sort of make sense, in that I presume if you were paying £100pm off and not using it, …

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Paying Bills With Credit Card - Mumsnet

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Jan 11, 2025 · The risks are obviously far higher if you're on a tight budget. If, for instance, you don't have enough spare to cover a £95 bill that should have been £15 - you could be in a …

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Credit Card Debt - Advice On Best Approach | Mumsnet

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Feb 19, 2022 · If you can find a way to transfer your balances onto the 0% interest ones you can close the old cards and won't have to pay interest. If that isn't something you think is suitable, …

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MBNA Credit Card - Has Anybody Used It Before? : R ... - Reddit

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Have one currently. Nothing much to report. They use the same online banking platform as Halifax, albeit reskinned. At the end of the day it's a 0% credit card. As it's not for daily use, the …

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FAQs about Do You Have A Credit Card? - Mumsnet Coupon?

Should I put all my spending on a credit card?

If you are financially responsible and just pay the full card balance every month then there’s no reason not to put almost all your spending on a credit card, for convenience and for section 75 protection. If you’re not interested though, then no need to get one. It's nothing to do with your credit score really. ...

Should I get a credit card or a debit card?

The main piece of advice if you do get a credit card is to only buy what you could afford anyway and pay off the full statement balance by the due date. I'd really highlight the consumer protections that credit cards give you that debit cards don't as a reason to make the switch, even if you use a credit card exactly like you would a debit card. ...

Should I get a credit card?

So there is zero requirement to get a credit card for that reason. Why you might want one is to get s75 protection on purchases (which can make it easier to deal with refunds if the company is rubbish). Or for a planned large purchase, unknown emergency purchase, or for bonus points. For example I got a 0% credit card to buy my kitchen. ...

Are credit cards free money?

Archived post. New comments cannot be posted and votes cannot be cast. If you're financially responsible and don't use credit cards to fund a lifestyle or purchases beyond your means, then a credit card is nothing but free money. I get 2-5% cash back (i.e. discount) on every purchase I make on a credit card. ...

Is a credit card worth it?

You get better protection on your purchases with a credit card, you will build your credit score and some cards (AMEX) offer rewards. I put almost all purchases on a credit card and pay off in full. Definitely worth it! I got one years ago as it was suggested I would never get a mortgage unless I started building up credit. ...

Is using credit card the same as using a debit card?

As long as you're disciplined, using credit card is same as using debit card. I've been using all my purchase using credit card since I got my first account. Points/cashbacks are bonus but I've never exceeded the limit or bought something impulsively. ...