Minimum or full payment - do any cards have other options?
- From: NorSCARF <norscarf@xxxxxxxxxxx>
- Date: Tue, 18 Sep 2007 06:52:37 -0700
Way back on 4 May 2006, 20:35, Andy Pandy replied to me about the
direct debit options offered by credit cards:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"NorSCARF" <norsc...@xxxxxxxxxxx> wrote in message
news:1146527165.247068.12880@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Basically, I'd like to have the full amount paid automatically, but not
if I have a particularly heavy month - I'd like to set a limit, say
£300. If I spend more, I want the rest to stay on the card and not
drain my current account.
I have a DD for the full amount on my Morgan Stanley card - they told
me that if I ever didn't want to pay the full amount just ring them
and they won't take it, or will take a lesser amount. Never tried it
though as my overdraft is much cheaper.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Thanks for replying when you did Andy, and my apologies for not having
responded before.
This year I discovered Barclaycard offers exactly what I need, so much
so that I was even prepared to finally lift my personal part of the
boycott from the Anti-Apartheid years!
They don't explain it fully on the form, but their call centre went
through how it worked. I've set a fixed amount, but if I have less
than that on the card, only the amount on the card will be paid (which
I expect to be most of the time, in my case). They also said that if
the fixed amount was less than the minimum payment required that
month, then I would have to make a further payment - but I can't see
that happening, unless I became a fraud victim - in which case I would
be extremely glad I'd set it up this way.
Peter
.
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