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If my credit card balance is £0 Post #1 Junior Member
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If my credit card balance is £0
I'm about to pay off one of my credit cards but was thinking about keeping it for emergencies. Once it's at £0 do I have to keep paying the minimum amount (I think it's £5) every month and build up a credit or can I just ignore the card until I need it again?
If my credit card balance is £0 Post #2 Junior Member
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If you dont use if for a certain amount of time they will probably contact you and ask if you want it cancelled.
If my credit card balance is £0 Post #3 Junior Member
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OK, but I won't have to pay a monthly bill?
I would phone them up but I've got a cold and I've lost my voice
If my credit card balance is £0 Post #4 Junior Member
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Your minimum payment should revert to £0. I have a Halifax card that's been at £0 for about a year.
If my credit card balance is £0 Post #5 Junior Member
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How would you have a monthly bill if you hadnt bought anything, it just reverts to a min payment of 0.
If my credit card balance is £0 Post #6 Junior Member
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I've got 2 AMEXs now :cool:
I still want that job, Rob!
If my credit card balance is £0 Post #7 Junior Member
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Quote:
Originally posted by Father Senegal:
The "minimum payment" is £5, so I wondered if they'd force you to build up a credit on the account.
But thanks for the help :thup:
If my credit card balance is £0 Post #8 Junior Member
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Surely the "minimum payment" of £5 is when you have a balance to pay off? Has it always been £5 even when your balance was at its maximum?
If my credit card balance is £0 Post #9 Junior Member
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You need to check your terms and conditions.Some credit cards will charge you if you dont use your credit card for a period of time!
If my credit card balance is £0 Post #10 Junior Member
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It's usually £5 or 2.5%, whichever is the greater.
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If my credit card balance is £0 
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