Credit card help

[JenniferM1989]

Hi. I was wondering if anyone could help me please? I'm planning to start doing my food and household shop on my credit card each month as I shop at one of my credit cards cashback supermarkets and they offer 1% cashback on what I spend there. I spend around £260 a month so over the year I would get around £30 cashback which is better than I get with my bank (nothing) so it makes sense.

I haven't used this credit card yet though. It's a barclaycard platinum. I can't see what my payment date would be? It says they produce my statement on the 16th working day of each month so does anyone have any idea of the date my payment is likely to be due? I'm about to start using it tomorrow and the date my husband gets paid is the 25th of the month so we would be looking to pay the statement balance off around the 25th/26th of each month starting next month to avoid interest. If my statement date will be the 16th working day of the month, is my payment due date likely to be after the 25th of the month?

Any help would be appreciated 🙂

You can ring them to request a different payment due date, I've done this twice this year.

How many days interest free do you get? 56-60 is usually average, so your payment will normally be due 26-30 days after your bill is produced, without factoring in specifically how many days in the month.

Barclaycard website says :

Your payment due date will be at least 20 days after we produce your statement. You can ask us to change your payment due date by asking us to change your statement date. You cannot change your statement date if you have changed it twice in the last 12 months, or you have already changed it during the current or previous statement period.

My Barclaycard generates statement around calendar day 14 and payment issue around calendar day 8 of following month

Thank you all. I had roughly worked out that it may be around the 10th of the following month that the payment will be due which will work well and since you @Toomanycats99 said the 8th, I think I'm about right.

I'm new to using a credit card. Is there anything else I can spend on to get cashback or vouchers? I'm not interested in wracking up debt. I just want to put some normal spending on it and clear it each month or for example, pay our flights for our holiday on it then just pay the credit card right away with my debit card. MNers seem to be quite savvy about these things so I'm more than happy to nick some tips 😂

As long as you are sensible and spend what you can afford it's win-win. I put everything on my Tesco credit card and pay it off every month so my money stays in my account longer and I get loads of Clubcard points that I spend on RAC membership or weekends away.

If you download the Barclaycard app to your phone it will show you the payment due date.

Thanks everyone and userxx for mentioning the app, I'm going to download it now

You don’t have to wait for the payment due date to make a payment.

Yes, but it just makes it easier to set up a direct debit to pay off the whole balance and then you can forget about it.

No need to make manual payments, never understood why people do that, unless your credit limit is too low, and if it is, just ask for it to be increased, they'll almost certainly agree if the account is being cleared every month.

No need to make manual payments, never understood why people do that, unless your credit limit is too low, and if it is, just ask for it to be increased, they'll almost certainly agree if the account is being cleared every month.

We pay the whole amount on ours by manual payment every month within a couple of days of receiving (and checking) the statement. We don’t wait until the payment due date. That’s what I meant not that we pay in bits and pieces.

The app is really good. I make any of purchases on my credit card for the protection offered. I also lost mine manually via the app as I like to do it ASAP as I only use it when I know I can pay it back in bc a day or so. Example-I broke my youth and needed treatment which cost £80 it was 2 days to payday and I didn’t have that much left in my personal account. Used credit card and paid it back two days later.