[Closed] Credit cards

Presumably you will just split the balance between 33 and set that as a direct debit each month ? Even if the MBNA app is crap you will only need to do it the once……😉

I wouldnt give 2 shits about how good an app was if it was costing me more money. £27 vs £65 in your case

Do it for free.
Link new card to PayPal account. Send enough to pay off old card to your other PayPal account, spouse's account, whatever. Link that second PayPal account to your bank, withdraw funds and pay off old card with the money.
Balance transferred for no fee.

I just hope the OP cuts the card up once the balance is clear.

But you pay interest on the amount every month. A balance transfer is a specific thing to gain the 0%.
Although I did get 0% on a Sainsbury's CC which I specifically got for a bike purchase and paid off with DD over the 12months. Woeful app but did the job and the card is now my emergency fall back.

Yeah cards getting cut once this last lots done with.

I have both MBNA and capital one cards, both apps are decent and easy to use.

I just hope the OP cuts the card up once the balance is clear.

Why? Unless the OP has a problem (which you can't possibly tell from their post), spending on a credit card and paying off the balance in full each month is a great way of increasing your credit rating.

Both my cards are at zero balance, I use them alternating for fuel/other small purchases that I would have used my current account for, and they get paid off in full before any interest is applied.

It was a problem in the past but once this £1900 is done then all credit card debt is paid.
I have one other card but that’s at zero only gets used for holiday as protection or emergencies with car/motorbike and fuel maybe now and again.

Yeah cards getting cut once this last lots done with

In that case why not cut it up now? You don't need the card to pay it off.

That's cool, as I say it's always worth using a card that way as you're basically borrowing and then paying it off which shows good things on a credit report.

No credit is bad, as is missed payments or too much credit, a good middle ground is the best.

I wouldnt give 2 shits about how good an app was if it was costing me more money. £27 vs £65 in your case

This. If all you're doing is paying it off, set up a direct debit and be done with it. What on earth do you need an app for, at all? If you're planning on using a CC afterwards, you could close it then and get a new one that's better suited for purchases.

You've paid off *handwave* two and a half grand in almost three years, I'd be looking for something which offers a 0% interest on balance transfers for the next three and then worry about your next steps in 2025. Then I'd go to MSE's credit card guide and see which was best suited.

For what it's worth o use the MBNA app (android tho) and it's fine. It's also exactly the same as the Halifax one.

As said, just get the best card you can and pay it off within the time available.

I’ve managed to pay off all the big debts on my credit cards now.
I do still use my Tesco Platinum to buy everything and pay it off end of month

A) to keep credit rating up
B) More protection when buying online and anything over £100 or whatever it is
C) Clubcard points for free stuff

No credit is bad, as is missed payments or too much credit

What counts as too much?

<span style="font-size: 0.8rem;">As a "great story bro", a pal has managed cc debts of £50k plus, probably more like £70k. Never misses a payment, credit rating 100%, never declined another card (taken as interest free cash for investing).</span>