How are payments split between balance transfer and regular spending? I use my credit card for most purchases (to get the clubcard points) and pay in full each month, if I was to make a balance transfer or money transfer how are the payments done?
Hey @Shelley22, thanks for getting in touch 🙂 The payment is allocated to the highest interest balance firstly. Have you checked if you have any 0% interest rates available on a balance or money transfers on your account? I can check this for you, please send a private message to @Tesco-Bank using this link.
@Shelley22 hi thanks for your reply, I do have a 0% balance transfer available, so as I pay my monthly bill in full by direct debit, would this need to be stopped and a manual payment made each month to cover some of the balance transfer as well as the full monthly spending amount?
@Shelley22 Hey, thanks for getting back in touch. If the direct debit is set for the full statement balance it would collect the full balance on the account i.e., balance transfer as well as purchase balance. To avoid the full balance collecting you may need to update your payment method.
I have attached a FAQ on ways you can make alternative payments towards your account. I hope this helps😀
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Fresh Eyes
07-03-24 10:08@Shelley22 hi thanks for your reply, I do have a 0% balance transfer available, so as I pay my monthly bill in full by direct debit, would this need to be stopped and a manual payment made each month to cover some of the balance transfer as well as the full monthly spending amount?
CarolineD
