Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Rangie on 03 May 2021, 09:55:22
-
Anyone else on here had their credit limit reduced by Barclaycard? Mine was £11,000 reduced ten days ago to £250 not even enough to fill the Range Rover twice, apparently this has happened to thousands of their customers . You can apparently appeal and give them all your income details bloody cheek ! So I contacted Nationwide who we also bank with card arrived within 48 hours and immediate £10,000 limit, I always pay my card in full every month no valid reason from Barclaycard for credit reduction perhaps because they were not making any money from me.😃
-
20 pages on it here:
https://forums.moneysavingexpert.com/discussion/6259364/barclaycard-limit-reduction-post-covid/p1
-
I received a letter from Barclaycard saying that as my account hadn't been used for a while, for security reasons they were going to reduce the limit. All I had to do to avoid this was to send a text with a code and the word KEEP. That's it, job done, my credit limit of £14,000 remains the same.
To be honest, the only time I use my Barclaycard is on a cruise holiday, where the ships are cashless so you have to book onboard expenditures to a card. Covid has put that on hold for the foreseeable future for me so I can see why Barclaycard would be glad to get rid of me, as my balance has been zero for donkeys years so they make nothing out of me.
-
If you have one and don't use it, then you don't need one.
If you have one and rely on it then you shouldn't have one.
I can see why businesses use them, although the above still applies, in the same way that leasing vehicles/equipment makes some limited sense.
That said, debt free business that do use credit don't go bankrupt. :-X
-
I take it your a good boy like me and always paid the balance in full on time :y
I think you will find that most companies are trying to get rid of those customers who NEVER pay charges.
I used a Marbles card to help rebuild my credit history after years of been a daft cee you next tuesday with money / bankruptcy.
Started off with 1200 quid limit.
Always paid it off on time so the craft buggers dropped my interest rate and more then doubled my limit.
After a couple of years of no charges, it was dropped down to 500 quid ::)
Doesn't bother me if i'm honest, It does the job if I need another 50 days to save up and i've got a PayPal credit which gives 4 months interest free if I really have to buy something and need a little longer :y
With my Marbles card the default for PayPal anyway, as long as I use my brain, I get upto 6 months interest free on everything :y
-
I have one for online payments via Ebay & Amazon plus Paypal, Most items give me the insurance cover for which I have only ever had to use once. Plus I pay the balance in full. :y
-
I have a Barclaycard, along with another 25 or 30 cards, many of which I rarely use.
All my card have a £10000+ limit.
-
We used ours for virtually everything we purchase spending £18-25,000 a year on average ,even bought our caravan on it in 2012 for £8,500 with it. Have an excellent credit score and no debts £250 limit was useless to me , Nationwide know exactly what goes in our account every month and accepted our business immediately with a good limit, will even close our bank account with Barclays now as well.
-
.....
If you have one and rely on it then you shouldn't have one.
.....
How do you define 'rely on' .... I have 2 credit cards, both paid off in full each month, but credit cards are useful to use & give a degree of protection when used
-
We used ours for virtually everything we purchase spending £18-25,000 a year on average ,even bought our caravan on it in 2012 for £8,500 with it. Have an excellent credit score and no debts £250 limit was useless to me , Nationwide know exactly what goes in our account every month and accepted our business immediately with a good limit, will even close our bank account with Barclays now as well.
Yes...£250 is piss poor. It does seem a strange thing for the banks to do.
-
....
will even close our bank account with Barclays now as well.
Good luck closing your Barclay's credit card .... it took me a few attempts to close mine, and even then I had to put my foot down to do so.
-
.....
If you have one and rely on it then you shouldn't have one.
.....
How do you define 'rely on' .... I have 2 credit cards, both paid off in full each month, but credit cards are useful to use & give a degree of protection when used
Yes....used in a responsible manner credit cards can be a useful tool.
However, buying everything you see on plastic will end in tears.
-
.....
If you have one and rely on it then you shouldn't have one.
.....
How do you define 'rely on' .... I have 2 credit cards, both paid off in full each month, but credit cards are useful to use & give a degree of protection when used
Using it when you don't have the 'cash'* available.
*cash being a catch-all for non debt balances.
If you're always in your overdraft and using a credit card for day to day living then you're basically donald.
-
....
will even close our bank account with Barclays now as well.
Good luck closing your Barclay's credit card .... it took me a few attempts to close mine, and even then I had to put my foot down to do so.
.
All done & dusted found it very simple to do .
-
https://www.visa.co.uk/pay-with-visa/security/zero-liability.html
No need to use a credit card for payment protection. You can just as easily maintain a balance in a dedicated account f you wish to keep a separation between online spending and your main account(s).
The only real reason to have a credit card is to be able to say that you have one.
-
https://www.visa.co.uk/pay-with-visa/security/zero-liability.html
No need to use a credit card for payment protection. You can just as easily maintain a balance in a dedicated account f you wish to keep a separation between online spending and your main account(s).
The only real reason to have a credit card is to be able to say that you have one.
Go on MSE and post that statement ;D
-
I may just do that ;D
-
I may just do that ;D
You'll be told that your link has nothing to do with why people use credit cards. Fraud is one thing, non delivery, substandard building work, cancelled holidays, etc, up to £30,000 is why people use credit cards.
-
All of which can be insured against :-X
-
All of which can be insured against :-X
Bollòcks ;D
Insurance costs money, S75 doesn't.
-
If you have one and don't use it, then you don't need one.
If you have one and rely on it then you shouldn't have one.
I can see why businesses use them, although the above still applies, in the same way that leasing vehicles/equipment makes some limited sense.
That said, debt free business that don't use credit don't go bankrupt. :-X
Fixed for glaring typo ::)
The single reason businesses fail is because they cannot meet their overheads.
-
All of which can be insured against :-X
Bollòcks ;D
Insurance costs money, S75 doesn't.
Nor does it guarantee that you actually get your money back. It merely makes it easier to start a claim.
-
All of which can be insured against :-X
Bollòcks ;D
Insurance costs money, S75 doesn't.
Nor does it guarantee that you actually get your money back. It merely makes it easier to start a claim.
;D ;D ;D
Is there no beginning to your talents?
-
Under Section 75 of the Consumer Credit Act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.
This means it is just as responsible as the retailer or trader for the goods or service supplied, allowing you to also put your claim to the credit card company.
-
....
will even close our bank account with Barclays now as well.
Good luck closing your Barclay's credit card .... it took me a few attempts to close mine, and even then I had to put my foot down to do so.
.
All done & dusted found it very simple to do .
I had a Barclay's credit card years ago & stopped using it. When I phoned to cancel it I was passed from pillar to post and in the end gave up trying. Ages later, I tried again and eventually managed to convince them that I didn't want it any more ... I'd not used it in years, & begrudgingly they cancelled it.
-
https://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act-aZCUb9i8Kwfa
It guarantees your right to make a claim against the card company, not the supplier, but doesn't guarantee that you'll get all your(their) money back.
-
https://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act-aZCUb9i8Kwfa
It guarantees your right to make a claim against the card company, not the supplier, but doesn't guarantee that you'll get all your(their) money back.
You'll get your money back if the retailer is at fault. End of.
-
Move over Martin Lewis 😂😂😂😂😂😂 😂
-
.....
The only real reason to have a credit card is to be able to say that you have one.
So how do you pay for your shopping or a tank of diesel/petrol? I use my credit card which means I need to carry the minimum of cash ..... and at the moment especially, most places want payment by a card of some sort .... they don't want cash.
-
....
will even close our bank account with Barclays now as well.
Good luck closing your Barclay's credit card .... it took me a few attempts to close mine, and even then I had to put my foot down to do so.
.
All done & dusted found it very simple to do .
I had a Barclay's credit card years ago & stopped using it. When I phoned to cancel it I was passed from pillar to post and in the end gave up trying. Ages later, I tried again and eventually managed to convince them that I didn't want it any more ... I'd not used it in years, & begrudgingly they cancelled it.
Yes. Barclaycard, at one time, we're actually offering people £50 to keep their credit card accounts open. People were openly posting this up on financial forums. It didn't always work, of course. It was a bit like when they were telling people to ring up sky and say they wanted to cancel, once out of contract. Most were offered fantastic deals to stay, but some got the "OK, see ya" ;D
Things are very different now, but no one can tell you exactly why, only the companies involved. The was an article in money mail about Barclaycard, with hundreds of people complaining about credit limits being reduced, but they couldn't get an answer from BC either. Who knows?
My limit hasn't been reduced, but it is relatively low at £6500.
-
.....
The only real reason to have a credit card is to be able to say that you have one.
So how do you pay for your shopping or a tank of diesel/petrol? I use my credit card which means I need to carry the minimum of cash ..... and at the moment especially, most places want payment by a card of some sort .... they don't want cash.
Debit card? Applepay/Googlepay? But credit card is just the same. If there was no point in having one, then almost every member of the adult population wouldn't, would they? ::)
-
.....
If you have one and rely on it then you shouldn't have one.
.....
How do you define 'rely on' .... I have 2 credit cards, both paid off in full each month, but credit cards are useful to use & give a degree of protection when used
Using it when you don't have the 'cash'* available.
*cash being a catch-all for non debt balances.
If you're always in your overdraft and using a credit card for day to day living then you're basically donald.
.....
The only real reason to have a credit card is to be able to say that you have one.
So how do you pay for your shopping or a tank of diesel/petrol? I use my credit card which means I need to carry the minimum of cash ..... and at the moment especially, most places want payment by a card of some sort .... they don't want cash.
The point being that you aren't borrowing money to buy household essentials.
-
A credit card is also a good way of keeping "pots" or " jam jars". Lots of folk like to see where their money is going each month. Some pore over spreadsheets, others keep lists, etc. Two credit cards, one for fuel and one for supermarket shopping, say, will keep track of exactly how much, and when, you are spending. Some of the new kids on the block, Monzo, Revolut, let you use pots in your current account, and Barclays Pingit is the same. I have a wearable attached to one of my pots in Pingit (a wristband) which allows me to pay contactlessly up to £45 by just waving it at the terminal. All good fun.
-
....
Debit card? Applepay/Googlepay? But credit card is just the same. If there was no point in having one, then almost every member of the adult population wouldn't, would they? ::)
But that's taking money out of my current account where it could be earning a little interest (it doesn't anymore, but it did ::)) so I used my credit card all month. At the end of the month, my current account paid my credit card acc :y
-
....
The point being that you aren't borrowing money to buy household essentials.
I am ... ;) I'm borrowing off MBNA & Santander ;)
-
It's a way. Good is a stretch.
The 'pots' idea is a modern twist on envelopes of cash for everything, but you need to be more disciplined... Once the 'pot' is empty, it needs to stay that way until the next income cycle, but it's really easy to transfer more into it... once the envelope is empty, that's it.
Also, there's no psychological impact from paying by card as you (almost) aways get your card back.
-
....
Debit card? Applepay/Googlepay? But credit card is just the same. If there was no point in having one, then almost every member of the adult population wouldn't, would they? ::)
But that's taking money out of my current account where it could be earning a little interest (it doesn't anymore, but it did ::)) so I used my credit card all month. At the end of the month, my current account paid my credit card acc :y
Take no notice of what other people say, Andy, it your money and whatever works for you is the way to do it. Most of the stuff I do with digital wallets and virtual card numbers is just 'playing'. Just to see if it works, it brings a stupid smile to my face when it does. ;D
-
It's a way. Good is a stretch.
The 'pots' idea is a modern twist on envelopes of cash for everything, but you need to be more disciplined... Once the 'pot' is empty, it needs to stay that way until the next income cycle, but it's really easy to transfer more into it... once the envelope is empty, that's it.
Also, there's no psychological impact from paying by card as you (almost) aways get your card back.
You don't say ;D ;D
Is that why you think some call them jam jars? ::)
-
....
The point being that you aren't borrowing money to buy household essentials.
I am ... ;) I'm borrowing off MBNA & Santander ;)
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
-
When I pay for something using Monzo, my phone does 'kerching', like a till. And when I receive money it makes a great sound of money dropping into a jam jar. Small things amuse small minds ;D
-
....
The point being that you aren't borrowing money to buy household essentials.
I am ... ;) I'm borrowing off MBNA & Santander ;)
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
Round, like a circle in a spiral, like a wheel within a wheel........ ;D
-
;D
Exactly. But losing the credit cards removes a wheel or two from the merry-go-round :D
-
....
The point being that you aren't borrowing money to buy household essentials.
I am ... ;) I'm borrowing off MBNA & Santander ;)
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
Convenience.
I got my MBNA card years & years ago when I didn't have the money to pay it off each month, but kept it after I'd got my sh1t together & because there were a couple of things being paid from it each year.
My Santander card pays me a little each month for direct debits each month so pays for itself.
That's why I have two :-* :-*
-
;D
Exactly. But losing the credit cards removes a wheel or two from the merry-go-round :D
but my merry-go-round just does its own thing all by itself .....
And I have the convenience of being able to buy £thousands of stuff if I wanted to.
-
;D
Exactly. But losing the credit cards removes a wheel or two from the merry-go-round :D
but my merry-go-round just does its own thing all by itself .....
And I have the convenience of being able to buy £thousands of stuff if I wanted to.
The merry go round wasn't referring to the circle of money :-X
-
....
The point being that you aren't borrowing money to buy household essentials.
I am ... ;) I'm borrowing off MBNA & Santander ;)
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
Convenience.
I got my MBNA card years & years ago when I didn't have the money to pay it off each month, but kept it after I'd got my sh1t together & because there were a couple of things being paid from it each year.
My Santander card pays me a little each month for direct debits each month so pays for itself.
That's why I have two :-* :-*
Do they still do the 123 account, I heard they'd closed it, or reduced the cashback at least.
-
;D
Exactly. But losing the credit cards removes a wheel or two from the merry-go-round :D
but my merry-go-round just does its own thing all by itself .....
And I have the convenience of being able to buy £thousands of stuff if I wanted to.
The merry go round wasn't referring to the circle of money :-X
sorry ..... :-[ :-[
-
....
Do they still do the 123 account, I heard they'd closed it, or reduced the cashback at least.
Very much reduced. It was originally 1% for accounts of over £1000, 2% for £2000 & 3% for £3000 It's not sod all for any amount.
-
SWMBO has ordered herself a Sainsbury's credit card today something to do with a Nectar points offer all done online with an immediate limit of £8000 so all good now..
-
;D
Exactly. But losing the credit cards removes a wheel or two from the merry-go-round :D
but my merry-go-round just does its own thing all by itself .....
And I have the convenience of being able to buy £thousands of stuff if I wanted to.
The merry go round wasn't referring to the circle of money :-X
But it does apply equally both ways ;D
-
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
MBNA/Diner's club are paying for three of us to fly to Hawaii in 2022 and Virgin Credit cards are flying my best mate and I to Texas for his 40th (less some fees and fuel surcharges). That's two pretty good reasons in my book.
To date I don't think I've paid them a penny in interest. ??? Although I did pay Diner's club £160 last year as an annual fee and I've not had much use out of the lounge access ;D
-
No such thing as a free lunch :-X
-
Why? If you have the money to pay the cards off every month, then you have zero reason to have a credit card, let alone two.
A credit card is virtually essential for foreign travel (once foreign travel is allowed again).
1) Its almost impossible to hire a car abroad without one.
2) Hotels will want a large cash deposit if you don't check-in with a credit card.
3) Providing you have the correct card it's much cheaper to withdraw foreign cash from a hole in the wall on a CC than any other card. Much better exchange rate and no forex loading.
I wouldn't travel abroad without two - preferably one Mastercard and one Visa. Some countries (Japan IME) don't widely accept one or the other. If one is rejected/cloned then you still stand a chance of not being stranded in the middle of nowhere.
Having said that, I've just had to tell Santander to shove their Zero card where the sun don't shine so I am on the lookout for another.
-
That's largely nonsense.
Dollar don't require a credit card for a start.
And if you have an account with a couple of thousand in, you can use that as you would a credit card for the places that insist. Deposits don't need to be the same card as the payment one.
-
That's largely nonsense.
Dollar don't require a credit card for a start.
And if you have an account with a couple of thousand in, you can use that as you would a credit card for the places that insist. Deposits don't need to be the same card as the payment one.
WTF are you talking about? ;D ;D
-
How is using a separate debit card with a couple of grand on it mathematically any different to using a credit card and 'paying it off every month'? to pay for hotels etc?
The suggestion that you need a credit card to travel is just plain wrong.
And for someone who claims not to have a mobile phone or use the interweb, Malcolm certainly likes to leave an electronic papertrail ;D
-
How is using a separate debit card with a couple of grand on it mathematically any different to using a credit card and 'paying it off every month'? to pay for hotels etc?
The suggestion that you need a credit card to travel is just plain wrong.
And for someone who claims not to have a mobile phone or use the interweb, Malcolm certainly likes to leave an electronic papertrail ;D
It's not mathematically different, but some/most hotels and car hire companies insists on a credit card. There's also a fair chance that your bank will block spending on a debit card whilst abroad. Usually at midnight, when you have no local currency on you, and they're not answering the phone. I know this from experience.
-
Barclaycard also stopped offering money transfers a few months back, only balance transfers were available. However, I've just had an email offering 0% for 12 months with a 2.9% fee. So who knows WTF they are playing at.
-
That's not the banks fault. You tell them that you're travelling, where to and when. Can do it on the app usually.
And not taking any currency with you is plain daft.
-
That's largely nonsense.
Dollar don't require a credit card for a start.
And if you have an account with a couple of thousand in, you can use that as you would a credit card for the places that insist. Deposits don't need to be the same card as the payment one.
In effect they they do. What they typically require is many thousands of pounds worth of 'deposit' incase you total the car or otherwise do a runner with it. And in local currency. On a credit card they just pre-authorise a certain amount, and then refund it at the end. Last time I tried it without a card (Hungary IIRC) they wanted 5000Euros in cash as a deposit - but in local currency which is the Forint. Converting GBP into many squillions of Forints costs money, as does converting it back to GBP once(if) you ever get it back again.
Having a bank account with thousands in it does not give them a right to 'extract' the money from that account if you do a runner. You would have to hand over that cash to them at pick up, and then try and get it back at the end of the rental.
-
That's not the banks fault. You tell them that you're travelling, where to and when. Can do it on the app usually.
And not taking any currency with you is plain daft.
You can tell them, but your card will still get declined the first time you stick it in an ATM when you arrive at your sunny destination..... ::)
-
https://www.dollar.com/DaveRamsey/Main.aspx
Also, if you have to use a credit card for work, then work should issue you with one. Otherwise you are effectively becoming a creditor for your employer.
-
That's not the banks fault. You tell them that you're travelling, where to and when. Can do it on the app usually.
And not taking any currency with you is plain daft.
You can tell them, but your card will still get declined the first time you stick it in an ATM when you arrive at your sunny destination..... ::)
Never had an issue with Nationwide.
-
How is using a separate debit card with a couple of grand on it mathematically any different to using a credit card and 'paying it off every month'? to pay for hotels etc?
The suggestion that you need a credit card to travel is just plain wrong.
And for someone who claims not to have a mobile phone or use the interweb, Malcolm certainly likes to leave an electronic papertrail ;D
They either won't accept Debit cards, or will but they actually DO take the deposit money rather than just pre authorise it. That incurs foreign exchange transaction costs - typically 2.75% on a Debit card plus often a duff exchange rate. Santander Zero and Halifax Clarity have interbank exchange rates and zero forex loading. Withdraw the cash, and repay it immediately (well ASAP) and you pay pennies in interest, rather than pounds in Forex commission.
The electronic paper trail ceases once I leave the airport. No point in trying to avoid it at an airport with all the APD/Visa/fake security. Then take some cash out the hole in the wall (on a CC, zero forex) pick up the car, and vanish (well except for ANPR, or the in car tracker in Israel).
-
How is using a separate debit card with a couple of grand on it mathematically any different to using a credit card and 'paying it off every month'? to pay for hotels etc?
The suggestion that you need a credit card to travel is just plain wrong.
And for someone who claims not to have a mobile phone or use the interweb, Malcolm certainly likes to leave an electronic papertrail ;D
They either won't accept Debit cards, or will but they actually DO take the deposit money rather than just pre authorise it. That incurs foreign exchange transaction costs - typically 2.75% on a Debit card plus often a duff exchange rate. Santander Zero and Halifax Clarity have interbank exchange rates and zero forex loading. Withdraw the cash, and repay it immediately (well ASAP) and you pay pennies in interest, rather than pounds in Forex commission.
The electronic paper trail ceases once I leave the airport. No point in trying to avoid it at an airport with all the APD/Visa/fake security. Then take some cash out the hole in the wall (on a CC, zero forex) pick up the car, and vanish (well except for ANPR, or the in car tracker in Israel).
As we have learned over time, you are wasting your breath, Malcolm. Just let him live in his own little universe ;D
-
When I travelled a lot for work. I used to take 6 cards with me. Two visa debits (either Halifax or HSBC plus NatWest) and four credits, Visa, MasterCard, a corporate Amex and Diners Club (ok, technically a charge card :-X).
I always told my providers when I was travelling, either via phone or app. However that didn't stop them regularly (probably 40% of the time) stopping my debit cards on first use in a foreign country.
I can think of at least two occasions (Hong Kong and Brazil) where I would have been completely donald ducked without the credit cards to hand, when one debit card was blocked on first use, and the other one eaten entirely by a different atm. As LC0112G points out, no one card provider is universal, something I only found out after my trip to Brazil, where basically no-one accepts VISA.
No such thing as a free lunch :-X
I'm well aware that my freebies are funded by other users' monthly interest payments, which is why, like any other tool, credit cards should be used properly. They do have benefits that other payment methods don't, but also plenty of opportunity to get yourself in a mess. Caveat emptor and all that jazz.
-
I'm well aware that my freebies are funded by other users' monthly interest payments, which is why, like any other tool, credit cards should be used properly. They do have benefits that other payment methods don't, but also plenty of opportunity to get yourself in a mess. Caveat emptor and all that jazz.
Retailers also get charged by the CC company. Depending how good a deal they can negotiate it's often in the 2%-3% region. So whilst it's true that you (usually) aren't paying any more for the goods or service you're receiving when paying by CC, it's not true that the CC company isn't making any money out of your spending. They don't make all their money simply oy fools not paying their bills in full at the end of the month.
-
I'm well aware that my freebies are funded by other users' monthly interest payments, which is why, like any other tool, credit cards should be used properly. They do have benefits that other payment methods don't, but also plenty of opportunity to get yourself in a mess. Caveat emptor and all that jazz.
Retailers also get charged by the CC company. Depending how good a deal they can negotiate it's often in the 2%-3% region. So whilst it's true that you (usually) aren't paying any more for the goods or service you're receiving when paying by CC, it's not true that the CC company isn't making any money out of your spending. They don't make all their money simply oy fools not paying their bills in full at the end of the month.
Not quite as high as that for everyday transactions, but additional charges can soon mount up:
https://cardmachine.co.uk/credit-card-charges-for-small-business/
-
I'm well aware that my freebies are funded by other users' monthly interest payments, which is why, like any other tool, credit cards should be used properly. They do have benefits that other payment methods don't, but also plenty of opportunity to get yourself in a mess. Caveat emptor and all that jazz.
Retailers also get charged by the CC company. Depending how good a deal they can negotiate it's often in the 2%-3% region. So whilst it's true that you (usually) aren't paying any more for the goods or service you're receiving when paying by CC, it's not true that the CC company isn't making any money out of your spending. They don't make all their money simply oy fools not paying their bills in full at the end of the month.
Not quite as high as that for everyday transactions, but additional charges can soon mount up:
https://cardmachine.co.uk/credit-card-charges-for-small-business/
Ok, accepted. It was a few years ago when I was talking to a local small pub/resturaunt owner and he said he was paying about 2.5%. Perhaps things have got cheaper/more competitive since then. Even so, the page you've linked to implies 1.3% for CC, or 0.7% for debit. My monthly CC bill is typically around £600, so they are making about £8 per month from me even though I always pay off in full on time. Which reminds me - new month - need to pay mine now.
-
Can't be bothered to look right now (The chase looks like Paul Sinna could get a hiding) but I think they were made to lower the charges.
-
I think you're right Ste, it was about the same time that all the best Amex deals disappeared (I think they were guilty of charging more than most. ;D
-
I used to have a Cardnet facility via my Lloyd's business account. They'd take a percentage of every transaction, variable according to the card brand/type, plus a monthly service fee (about a tank of fuel iirc) plus the same again for being able to accept Amex. And that was all on top of the account fees >:(
In the end I got rid of the Amex facility and switched to PayPal Here... No service fee, they just kept back a modest percentage of each transaction.
Banks are hateful. They insist you process transactions via xyz card payments, then charge you for the privilege, they take a percentage for transfers and charge you for paying in cash etc and God forbid if you pay a cheque in. And that's all in addition to the service fees/ppi on the cards people are paying with.
-
What's a cheque? ::)
-
What's a cheque? ::)
Ha it's still common over in the States to have to wait for someone to have to write out a cheque at the supermarket checkout! :o ::)
Couldn't believe it the first time I saw it. A middle aged woman rummaging around in an oversized handbag for what I assumed was her purse ( Why do women never have their card ready? ::) ) and she pulled out a chequebook FFS! ;D
-
What's a cheque? ::)
Ha it's still common over in the States to have to wait for someone to have to write out a cheque at the supermarket checkout! :o ::)
Couldn't believe it the first time I saw it. A middle aged woman rummaging around in an oversized handbag for what I assumed was her purse ( Why do women never have their card ready? ::) ) and she pulled out a chequebook FFS! ;D
I caused a little upset when I'd to pay my ground rent last year and asked for his bank details. I told him that I now only ever write one cheque a year & that was for him and as I'd now run out of cheques (it was a lie ::)) I wasn't prepared to order another cheque book to pay him once a year. He reluctantly agreed. ;D ;D
-
I find cheques are handy for nieces/nephews birthdays. Very young people have bank accounts these days, and I think a straight bank transfer would be more like a business transaction than a 'happy birthday'.
-
I find cheques are handy for nieces/nephews birthdays. Very young people have bank accounts these days, and I think a straight bank transfer would be more like a business transaction than a 'happy birthday'.
Like the Lottery's massive cheques :y
-
I find cheques are handy for nieces/nephews birthdays. Very young people have bank accounts these days, and I think a straight bank transfer would be more like a business transaction than a 'happy birthday'.
Like the Lottery's massive cheques :y
Uncle Stemo is a pensioner , I doubt the cheques are that massive :P
-
I find cheques are handy for nieces/nephews birthdays. Very young people have bank accounts these days, and I think a straight bank transfer would be more like a business transaction than a 'happy birthday'.
Like the Lottery's massive cheques :y
Uncle Stemo is a pensioner , I doubt the cheques are that massive :P
£2 is a lot out of my pension, ungrateful little bastids ;D
-
I find cheques are handy for nieces/nephews birthdays. Very young people have bank accounts these days, and I think a straight bank transfer would be more like a business transaction than a 'happy birthday'.
Like the Lottery's massive cheques :y
Uncle Stemo is a pensioner , I doubt the cheques are that massive :P
£2 is a lot out of my pension, ungrateful little bastids ;D
I have a God-daughter who gets £20 in her Christmas and birthday cards. Never get a thankyou though.... ::)
-
Stop sending it, they'll soon notice ;)