FabSwingers.com forum: Your last credit card bill

By *undance_Kid OP Man
over a year ago

London

How much was it ? And excluding expenses, what was the majority of it spent on ?

Mine was £2, 235 !! Mostly spent on a holiday.

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By (user no longer on site)
over a year ago

About £350 but Its just a timing thing as I pay it off in full every couple of weeks to avoid any interest charges. I know I’m lucky in this respect and not everybody is so fortunate or able to but I like to be totally debt free.

I put pretty much all my spend on it, and get cash back for doing so (which is why I use it).

Mainly food and petrol and the like. Boring really!

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By (user no longer on site)
over a year ago

Just bought a electric bike conversion kit for me so £600. I just paid off my last set of debts bar a loan. So feeling good

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By *iss.ddWoman
over a year ago

Leeds + Newcastle

I've never had a credit card before and I know I'm missing out on perks like cash back and airmiles etc

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By *rwhowhatwherewhyMan
over a year ago

Aylesbury

About 70 quid, mostly spent on fuel

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By *pYaMan
over a year ago

Ready…

Zero

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By (user no longer on site)
over a year ago

I don’t have one

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By *aughty_Smooth_OperatorMan
over a year ago

Birmingham

They can't trust me with one so don't have any

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By *VineMan
over a year ago

The right place

Zero, I rarely use it.

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By (user no longer on site)
over a year ago

Don't have one.

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By (user no longer on site)
over a year ago

Never had a credit card i can get in enough debt without one

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By (user no longer on site)
over a year ago

I don't give my financial details out online in public. But I always pay my bill off in one go.

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By *rwhowhatwherewhyMan
over a year ago

Aylesbury

To be fair, I only have one to improve my credit score. Otherwise I wouldnt have one

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By *undance_Kid OP Man
over a year ago

London

"I don't give my financial details out online in public. But I always pay my bill off in one go. "

Crikey bro, you’re very vigilant !!

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By *ora the explorerWoman
over a year ago

Paradise, Herts

Never had one since I got a few at 18 and just went mad with them.

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By (user no longer on site)
over a year ago

I use mine for everything. I get cashback on it and then pay it off in full each month. No idea what the current balance is and I have no desire to share with the world. (It's not actually that interesting truth be told!)

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By *RANDMRSJAECouple
over a year ago

chester

It’s due next week! It’s hefty as there are 2 hotels from weekends away, holiday for July and the balance for September

I work for them so it’s a silly interest rate but generally it gets paid in full.

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By *aiseaneyebrowMan
over a year ago

Fylde

£120 ish. Spent on some train tickets which I will now not be using. Lol.

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By *RANDMRSJAECouple
over a year ago

chester

"£120 ish. Spent on some train tickets which I will now not be using. Lol. "

Hope you can claim them back!

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By (user no longer on site)
over a year ago

Why the hell would you divulge financial information like that on a public website?

You must be a ******* idiot

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By *undance_Kid OP Man
over a year ago

London

Lol

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By *aiseaneyebrowMan
over a year ago

Fylde

"£120 ish. Spent on some train tickets which I will now not be using. Lol. "

So do I!!

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By (user no longer on site)
over a year ago

"Why the hell would you divulge financial information like that on a public website?

You must be a ******* idiot "

What are they divulging? A number and some words. It's not like they are revealing anything useful

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By *mwirralMan
over a year ago

wirral

3.7k flight and train tickets

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By *iltsTSgirlTV/TS
over a year ago

chichester

I don’t have a credit card for over 13 years now

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By *UGGYBEAR2015Man
over a year ago

BRIDPORT

Zero.

Never had one.

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By *carlet_woman_xxWoman
over a year ago

somewhere

They won't give me one

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By *UGGYBEAR2015Man
over a year ago

BRIDPORT

"They won't give me one

I’d give you one

There’s always one isn’t there

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By *harpDressed ManMan
over a year ago

Here occasionally, but mostly somewhere else

Weaned myself off it a few years back, and the overdraft.

Neither was easy, but it was worth it.

I still have one, just in case, but the only live entries on my credit report are the mortgage and the mobile phone.

Not saying credit is evil, more that we live in a culture of indiscipline.

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By (user no longer on site)
over a year ago

Zero don't have one got rid yrs ago generally only carry cash don't even take my debit card out.

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By (user no longer on site)
over a year ago

I don't use my credit card at all. Currently trying to clear it and I'm over half way. Feeling pretty good in the knowledge that I'll get the balance to zero before the end of the year

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By (user no longer on site)
over a year ago

I never use credit cards, I have one but only ever use it for emergencies and not needed it yet.

I don't use credit or catalogues either. If I don't have the money then I don't have it, if I want I I save

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By *ighty_tightyMan
over a year ago

Norfolk/Suffolk

Everything bar direct debits goes through the credit card, paid off every month.

Never spend your own money.

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By *rAitchMan
over a year ago

Diagonally Parked in a Parallel Universe

Never needed to use a credit card for 11 years.

The wife left me 11 years ago.

The two events may or may not be related

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By *xtrafun4youMan
over a year ago

Dunstable

Zero.

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By *ickshawedCouple
over a year ago

Wolverhampton

I've had the same credit card since I was 18. It gives me money back. I use it for all my everyday spending and pay it off in full every month. It meant I had a good credit score for when I needed my mortgage.

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By *ad NannaWoman
over a year ago

East London

I don't have one but I do use someone else's for shopping. The balance is paid off every month.

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By (user no longer on site)
over a year ago

I don't have a credit card. I have a Debit card for expenses and a cash ISA for savings

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By *viatrixWoman
over a year ago

Redhill

We do our household expenses on a single credit card to avail of benefits, points, airmiles, etc. it gets paid off in full every month.

Average balance is about £5,000 every month, give or take. Him indoors looks after that department.

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By *rumpyMcFuckNuggetMan
over a year ago

Den of Iniquity

"Never needed to use a credit card for 11 years.

The wife left me 11 years ago.

The two events may or may not be related

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By (user no longer on site)
over a year ago

I’m in the lucky position to have a company card which I manage to put plenty on.

Last month it was £5250, the previous it was just over £4000. It’s generally fuel and hardware for work though with the occasional treat on there too!

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By *xfordjohnMan
over a year ago

Oxford

I don't use a credit card. If I need more than my pension, I draw from savings - yes, I'm lucky.

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By *uxom redCouple
over a year ago

Shrewsbury

Cash back one balance 0

Emergency one balance 0

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By *ull English with teaMan
over a year ago

London

Not had one for a while since overspending. So, £0.00!

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By (user no longer on site)
over a year ago

Personal a lot, I do all my spending and clear each month.

Business, much more.

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By (user no longer on site)
over a year ago

[Removed by poster at 21/06/22 22:39:06]

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By (user no longer on site)
over a year ago

Zero....atm

Will be booking a holiday hopefully b4 end of Aug....so that will max it out...maybe ring up for bigger limit

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By * U mineMan
over a year ago

Fun

13K mainly spoiling women.

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By *iger4uWoman
over a year ago

In my happy place

I dont use it

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By *lex46TV/TS
over a year ago

Near Wells

I had to pay a supplier £9000 which would leave me a bit short so I paid it with a credit card.

It gave me an extra 3 weeks and paid it off last week without any interest.

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By *ittleMissCaliWoman
over a year ago

all loved up

"How much was it ? And excluding expenses, what was the majority of it spent on ?

Mine was £2, 235 !! Mostly spent on a holiday."
£14.99 on my odeon limitless

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By *penbicoupleCouple
over a year ago

Northampton

I don't use Credit Cards. Never have and hopefully never will.

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By *entleman JayMan
over a year ago

Wakefield

No idea. I never use it.

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By *ucka39Man
over a year ago

Newcastle

Never needed to over spend so never needed one it's a catch that you get roped into rather than just not having to pay extra for being sensible

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By (user no longer on site)
over a year ago

"I don't use Credit Cards. Never have and hopefully never will."

Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.

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By *irthandgirthMan
over a year ago

Camberley occasionally doncaster

About £600. But I've bought 2 suits and a fair bit of fuel recently. (I get cashback on purchases and fuel) so its a bit higher than normal this month, but it's usually paid off each month.

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By *andonmessMan
over a year ago

A world all of his own

I don't have one lol. I had one, many years ago after receiving a letter saying I'd been accepted for one blah blah blah (it was a Barclay card of some description). I replied, got the card and after a couple of years of not using it, I received another letter saying that if I didn't use it within X amount of days, it'd be cancelled. I'd forgotten the pin number so it was cancelled and I never applied for one again.

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By *luebell888Woman
over a year ago

Glasgowish

"13K mainly spoiling women."

Is that really worth getting in debt for?.

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By (user no longer on site)
over a year ago

I don't have any credit cards.

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By *rilogyMan
over a year ago

Eastbourne

3k spent on a new laptop lol

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By *penbicoupleCouple
over a year ago

Northampton

"I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.

My brother and his wife are exceptional at managing their finances. And, as you suggest, they got turned down a mortgage because they have no debt!

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By (user no longer on site)
over a year ago

Our last bill was the highest ever but that was because We paid for almost everything for our wedding on the credit card so we would be a bit protected. It was however paid in full.

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By (user no longer on site)
over a year ago

"I don't use Credit Cards. Never have and hopefully never will.

Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.

You don't have to be in debt if you have a credit card. The only reason we make payments on credit card is it gives payment protection, Financial advisers will actually tell you it's best to make any purchase over a £100 on a credit card then pay the balance in full.

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

"I don't use Credit Cards. Never have and hopefully never will.

Ditto. I'm of the opinion, if I want it I work overtime and save up for it. The exact same reason I struggled to get my mortgage. Apparently you need to have debt to get more debt.

That’s true and if you’re smart it makes sense to leverage interest free credit or even low rates of credit and many other benefits of using the banks money instead of yours.

BUT if you are not smart or good at budgeting; if you buy on impulse , credit cards are an absolutely terrible idea and will get you into debt

Re section75 insurance, ever tried claiming ? It’s not easy, AMEX refused me a claim for £7500 last year when STA travel folded, I had to start legal action to get them to pay, plus it’s now been extended to debit cards for many purchases

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By *ilverjagMan
over a year ago

swansea

Mine is invariably more than some people earn, but that's because I put every business and private expense on the credit card. That way not only do I get the maximum cashback points which add up very nicely, but also deferring a major expense until the beginning of the following month means that I don't get the statement till the following month, with the end of that month to pay it in full. Effectively that's up to seven weeks interst free credit so as it's paid in full each month.

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

"Mine is invariably more than some people earn, but that's because I put every business and private expense on the credit card. That way not only do I get the maximum cashback points which add up very nicely, but also deferring a major expense until the beginning of the following month means that I don't get the statement till the following month, with the end of that month to pay it in full. Effectively that's up to seven weeks interst free credit so as it's paid in full each month. "

What do you use ? I was using AMEX Nectar for the last 15 years as they do 4* points but have just switched everything over to Chase, for the 1.5% interest plus 1% Cashback and 5%! on round ups. Means using my own money but seems hard to beat

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