My fucking downfall. Had one from Halifax with 18 months interest free. Missed a payment and starting accruing interest. All got a bit scary but managed to speak to them and sort it. Then the interest free payment came to an end and I’ve transferred the balance to a Barclaycard which is interest free for a year, and have a direct debit set up so no missed payments (I hope).
Has about £2,000 on it. I never use it, except I did this weekend for a hotel / restaurant. Would like to just pay it off, and we have the savings to do it, but Mrs HYG would rather pay into savings and just do a minimum on the card while it’s interest free. I literally know nothing about personal finance so I do what she says.