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oddball
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PostSubject: credit /debit cards   Sat Jan 26, 2013 11:39 pm

Just found this on Facebook Surely this is no right It will be back to cash for me if this is in the UK as well
[You must be registered and logged in to see this link.] ... ke-effect/

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PostSubject: Re: credit /debit cards   Sun Jan 27, 2013 1:30 am

This is a very old point here in the UK which ran it's course and finally settled down to whatever we get charged, which I think is about 2.5%.
Sorry I don't use credit cards if there are charges so don't know what they charge.

If you notice on that video they are talking about what 'happened' in America in the 3rd quarter of 2012.

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PostSubject: Re: credit /debit cards   Sun Jan 27, 2013 9:59 am

[You must be registered and logged in to see this link.] wrote:
Sorry I don't use credit cards if there are charges so don't know what they charge.

Me neither and I never will only because they already get enough out of all of us and its the banks that don't give a monkeys uncle in the end.
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PostSubject: Re: credit /debit cards   Sun Jan 27, 2013 10:09 am

[You must be registered and logged in to see this link.] wrote:
[You must be registered and logged in to see this link.] wrote:
Sorry I don't use credit cards if there are charges so don't know what they charge.

Me neither and I never will only because they already get enough out of all of us and its the banks that don't give a monkeys uncle in the end.


No I don't use credit cards either but I do use a debit care as I never carry cash - but if they are going to start charging to use debit cards than I know where they can shove it indefinitely (yes the hole in the wall)

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Phil-H
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PostSubject: Re: credit /debit cards   Sun Jan 27, 2013 2:43 pm

Sorry if it's going OT, but are people aware that even Debit Cards here in the UK now carry a certain amount of protection the same as Credit Cards, although it is limited and I'm not sure what the limit is.

I had cause to complain to Trading Standards with regards to a small order of less than £20 I had place using my debit card and they advised me to contact the bank which I did and was refunded by the bank.

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PostSubject: Re: credit /debit cards   Tue Jan 29, 2013 2:58 pm

Like all things in this life these things have there place. When you live abroad it is often wise to use a credit card in order to but airline tickets as you get some sort of cover by using the card it also saves you losing big amounts of money out of your current account. Also with most Credit Cards you will only incur interest charges if you do not pay off the whole amount when it is due on your statement. :Great:Hence the expression do not buy what you cannot afford. Now with debit cards it is always handy to have at least 2 bank accounts, as if one card fails in an ATM you would have a spare to use. I found out the hard way and hence I have the 2 accounts I need. (Separate Banks). By checking the Banks web sites you can also look into how the charges work. Without advertising there is one bank that has an account which charges about 13 pounds per month but there is no ATM charge when the card is used abroad, plus the same bank also has a premiere account whereby if you have 50 K Pounds in that bank there are no charges on the account and free ATM as well. Plus other benefits etc. Research Research I'm afraid. Down side to this account is that if you fall below the 50 K mark you pay 25 Pounds per month or the account is down graded.

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oddball
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PostSubject: Re: credit /debit cards   Wed Jan 30, 2013 12:17 am

Good post: Tony T

Just had an email for Martin Lewis update and here is a good bit of news if you use a credit card

[You must be registered and logged in to see this link.] ... 3f4ce&
fv=1

New. Can you get THE CHEAPEST way to spend abroad?

Specialist credit cards give PERFECT exchange rates everytime. New eligibility checker finds which you can get
Pocketing a specialist cheap travel money credit card if you regularly go abroad's a no-brainer. They smash bureau de change rates, giving cheapest spending in every country. The big Q - will you pass the credit check? We've a way to help.

It's all about the 'load'. Most plastic adds a hidden 3%ish 'load', so spend £100 worth of euros and your statement says £103. But a few cards are 'load-free' so you get unbeatable rates, smashing bureaux de change.

Specialist 'load-free' worldwide cards (with no annual fee) click the link to see the full list

Top pick: Halifax Clarity* 0% FREE £1 12.9% Eligibility check


(1) Monthly ATM withdrawal interest if repaying in full | Also see Load-Free Debit Cards (you must change bank)

How the eligibility checker works. Card applications hit your credit score, even if rejected. Instead, we do a pre-application 'soft' search with no impact, which lets us calculate your percentage chance of getting specific cards.
The golden rules with these cards. 1) Set up a direct debit to repay IN FULL each month to minimise interest. 2) Spending's cheaper than ATM withdrawals. 3) For ATM withdrawals, making fewer, larger withdrawals is cheaper (but be safe). 4) If asked "
pay in £ or euro"
, pick euros. 5) Full help: Cheap Travel Money Cards, APR Examples

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Daisy
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PostSubject: Re: credit /debit cards   Wed Feb 27, 2013 6:59 pm

Sorry Bernie but for me I won't be looking at anything from that site any more and the reason being is that they have joined in with the governments attack on the disabled. In addition to that do any of us want to add to his fortune? which he is making out of the most vulnerable in our society. s

Money Saving Expert 'sellout': Backlash on internet as consumer champion sells the website he started with just £100 to price comparison giant for £87m

Martin Lewis created the website for just £100 nine years ago
He will receive £60million in cash and shares plus a further £27million if targets are met under deal agreed with Moneysupermarket
The consumer expert will remain editor-in-chief of the website for the next three years
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