Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Mr Skrunts on 17 November 2021, 10:12:44
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We’re writing to notify you of an upcoming change to Amazon.co.uk.
Starting 19 Jan, 2022, we will unfortunately no longer accept any Visa credit cards issued in the UK, due to the high fees Visa charges for processing credit card transactions. You can still use debit cards (including Visa debit cards) and non-Visa credit cards like Mastercard, Amex, and Eurocard to make purchases. We’ll give you £20 off your next purchase the first time you set any debit or non-Visa credit card as default, subject to the terms and conditions at the end of this email.
This is going to save me a fortune as I will only use my Credit Card to buy goods online. 8) :y
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Just changed mine to a mastercard debit card....no biggie.
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I would tell them to stick it. I will use payment methods of my choosing rather than be dictated to by an obnoxious, self important drop shipper.
Eventually, they will whittle it down to only accepting Amazon cards/bank accounts. By which time you will finally realise that they own you. (they already do, but that's currently still free choice).
Your vaccination status and credit score will be the next thing used against you by these companies.
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
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I think SWMBO uses Amazon but it would be on a.debit card if she did , so makes no odds to me .
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I would tell them to stick it. I will use payment methods of my choosing rather than be dictated to by an obnoxious, self important drop shipper.
Eventually, they will whittle it down to only accepting Amazon cards/bank accounts. By which time you will finally realise that they own you. (they already do, but that's currently still free choice).
Your vaccination status and credit score will be the next thing used against you by these companies.
Is that right, Donald? ;D
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
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When the day comes, I will say I told you so :D
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Some friends here have a shop here and they pay quite a lot in card fees. Like most environments, we have been encouraged to go cashless. Te banks havent responded.
To my mind the credit card fees are outrageous.Maybe they will adjust them following Amazons announcement. At least you have some consumer protection rights on purchases over £100?
I agree Dr G , wont be long before Amazon own us compleely.
Also agree Prime is good value. We watch stuff on Prime and buy occasional stuff to make it well worthwhile.
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Some friends here have a shop here and they pay quite a lot in card fees. Like most environments, we have been encouraged to go cashless. Te banks havent responded.
To my mind the credit card fees are outrageous.Maybe they will adjust them following Amazons announcement. At least you have some consumer protection rights on purchases over £100?
I agree Dr G , wont be long before Amazon own us compleely.
Also agree Prime is good value. We watch stuff on Prime and buy occasional stuff to make it well worthwhile.
It's a relationship that suits us fine. We own them, not the other way round. £20 credit for changing your payment card is a no brainer.
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Some friends here have a shop here and they pay quite a lot in card fees. Like most environments, we have been encouraged to go cashless. Te banks havent responded.
To my mind the credit card fees are outrageous.Maybe they will adjust them following Amazons announcement. At least you have some consumer protection rights on purchases over £100?
I agree Dr G , wont be long before Amazon own us compleely.
Also agree Prime is good value. We watch stuff on Prime and buy occasional stuff to make it well worthwhile.
Au contraire, the banks have responded... by making their services more expensive.
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;D
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I honestly can't remember the last time I paid any bank charges learnt my lesson very early on in life, stay in credit don't go overdrawn it's a mugs game, same with credit cards paid off in full every month.
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
In some cases it's no cheaper, I have compared prices and in a lot of cases the carriage is in with the item cost to cover prime/carriage.
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I honestly can't remember the last time I paid any bank charges learnt my lesson very early on in life, stay in credit don't go overdrawn it's a mugs game, same with credit cards paid off in full every month.
Done the same when I was younger. These days the Direct Debit just pays the card in full.
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I honestly can't remember the last time I paid any bank charges learnt my lesson very early on in life, stay in credit don't go overdrawn it's a mugs game, same with credit cards paid off in full every month.
Done the same when I was younger. These days the Direct Debit just pays the card in full.
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Isn't it strange when I was young & could have done with a few extra quid nobody would touch me, now when I don't need to borrow a penny everyone & their dog is offering me preferential rates..😁
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Just doing some Googling.
Which is better Visa or MasterCard?
For most people, it doesn't really matter whether they get a VISA or a MasterCard. Both are equally secure and offer similar benefits. While VISA has a slightly higher market share and greater amount of transactions worldwide, both VISA and MasterCard are equally well-accepted by merchants.
That might start to change from jan 19th. ::)
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I honestly can't remember the last time I paid any bank charges learnt my lesson very early on in life, stay in credit don't go overdrawn it's a mugs game, same with credit cards paid off in full every month.
Done the same when I was younger. These days the Direct Debit just pays the card in full.
It's not the charges to you, the customers, that are at issue here. It's the charges that the card providers levy on Amazon and other merchants.
Seems that once the UK finally brexited some of these merchant charges were no longer capped by the EU and the card companies imposed substantial increases which came into effect in October when using a UK issued card. In particular concerning cross border interchange charges levied on merchants within the EU and paid for with a UK card.
As a rule of thumb it's usually best to pay for anything over £100 in value with credit card as the card company can be held liable if the transaction goes sour. It's also best practice to pay off the card in full every month.
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Isn't it strange when I was young & could have done with a few extra quid nobody would touch me, now when I don't need to borrow a penny everyone & their dog is offering me preferential rates..😁
Also strange that when we had a mortgage, the interest rate went through the roof and now we have a few bob the interest is non existent.
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I heard Ebay will not be using Paypal soon
they have already started offering Google pay as an alternative
I've never really bothered with Amazon
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I now have a Mastercard all sorted but for signing the Agreement. :y
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I heard Ebay will not be using Paypal soon
they have already started offering Google pay as an alternative
I've never really bothered with Amazon
They tried that when their formal contract ended but still accept it because they realise that it still works for most of their users.
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Visa shares have dropped about $15 today. :)
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
I don't buy enough to justify Prime ..... and there's not enough hours left in the day to watch Amazon telly by the time Mrs B has watched all the variations of 24hrs in A&E, Ambulance etc
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
I don't buy enough to justify Prime ..... and there's not enough hours left in the day to watch Amazon telly by the time Mrs B has watched all the variations of 24hrs in A&E, Ambulance etc
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My missus watches all of those as well, she wonders why I show no interest in them at all, it's simply because it ain't like that in real life having been there & done it ,avoid Prison programmes as well .
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
Not when I'm apparently paying for somebody else's prime with my credit card, but Amazon refuse to do anything about it. So as of right now, I don't actually have a credit card of any type, as my old one had to be cancelled by the credit card company because Amazon are too lazy and idle to do anything about it.
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
Not when I'm apparently paying for somebody else's prime with my credit card, but Amazon refuse to do anything about it. So as of right now, I don't actually have a credit card of any type, as my old one had to be cancelled by the credit card company because Amazon are too lazy and idle to do anything about it.
Did you go through online chat, or get a call from a 0207 number, making you think it would be someone from the UK, only to get a useless bastid who could hardly string two words of English together?
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Did you go through online chat, or get a call from a 0207 number, making you think it would be someone from the UK, only to get a useless bastid who could hardly string two words of English together?
I once spoke to one of thier opperators (0800 number) very polite and helpfull with a Brummie accent. Asked his location and he said he was bor in Cape Town and never lived anywhere else.
Amazon train them well.
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Been online today for some HDMI cable, picked a selection (5 in total) from Amazon.
and then ordered them all seperately. ::) ::) :y
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I rarely use Amazon .... the fact that you are always steered towards signing up to Prime p***es me off.
Prime is great value for £7.99 a month if you order regularly (like three times a week ;D). Free, one day delivery saves us a fortune and makes Amazon prime video free.
Not when I'm apparently paying for somebody else's prime with my credit card, but Amazon refuse to do anything about it. So as of right now, I don't actually have a credit card of any type, as my old one had to be cancelled by the credit card company because Amazon are too lazy and idle to do anything about it.
Did you go through online chat, or get a call from a 0207 number, making you think it would be someone from the UK, only to get a useless bastid who could hardly string two words of English together?
Thats the one. The first supervisor had decent English though, but a negative IQ. The 2nd supervisor was Manillian, and equally useless, as there was no script to follow.
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Result:
Hello,
Greetings from Amazon.co.uk !
I'm sorry to hear that promotional credit of £20 was not added to your account and I apologize for any inconvenience caused.
To assist you further without any delay, I've manually added £20.00 promotional credit to your amazon account, for use towards your next Amazon.co.uk order.
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We've just ordered an Amazon credit card after watching Martin Lewis money programme and have had a £40 gift card put on SWMBOS account, towards her next purchases..👌
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We've just ordered an Amazon credit card after watching Martin Lewis money programe and have had a £40 gift card put on SWMBOS account, towards her next purchases..👌
Not watched Martin Lewis yet - But just started to wonder why they dont use Paypal for payments ( I use my CC to fund my Credit card for all pauchases (Doubling the card cover)) :y
Never thought about the Amazon credit card, but maybe thats why they are makeing the changes as it promotes thier own card. ???
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We've just ordered an Amazon credit card after watching Martin Lewis money programe and have had a £40 gift card put on SWMBOS account, towards her next purchases..👌
Not watched Martin Lewis yet - But just started to wonder why they dont use Paypal for payments ( I use my CC to fund my Credit card for all pauchases (Doubling the card cover)) :y
Never thought about the Amazon credit card, but maybe thats why they are makeing the changes as it promotes thier own card. ???
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Free money £40 so why not take it ?
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We've just ordered an Amazon credit card after watching Martin Lewis money programe and have had a £40 gift card put on SWMBOS account, towards her next purchases..👌
Not watched Martin Lewis yet - But just started to wonder why they dont use Paypal for payments ( I use my CC to fund my Credit card for all pauchases (Doubling the card cover)) :y
Never thought about the Amazon credit card, but maybe thats why they are makeing the changes as it promotes thier own card. ???
Told you do... ::)
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Just applied for the Amazon Card :y
Took all of 2 mins. ::)
Summary
Instant Spend:
£500
Credit Limit:
£7500
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Just applied for the Amazon Card :y
Took all of 2 mins. ::)
Summary
Instant Spend:
£500
Credit Limit:
£7500
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Easy wasn't it + £40 credit jobs a goodun.😁
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Just applied for the Amazon Card :y
Took all of 2 mins. ::)
Summary
Instant Spend:
£500
Credit Limit:
£7500
Well that was pretty stupid :-X
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Just applied for the Amazon Card :y
Took all of 2 mins. ::)
Summary
Instant Spend:
£500
Credit Limit:
£7500
Well that was pretty stupid :-X
Why? :-\
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Where to start? This won't be a composed rant, but I think it should cover the bases.
None of the 'benefits' are guaranteed as they are subject to eligibility... Even the 'free £40 gift card.
The interest rate is 29.9% variable. Interest free period is again, subject to eligibility. "I always pay it off in full every month"... Then you don't need credit. But the one time you aren't able to, or are a household of limited means (their target audience, you are beholden to both Amazon and Newday (the actual lender) indefinitely. What happens when fuel hits £1.70-2.00 a litre and mortgage rates hit 10+%? Or energy prices treble.
And you won't be able to cancel your Amazon account until you don't owe them anything.
Basically, you have just sold your soul to them for a £40 gift card. Madness.
Wait until February when the interest free period kicks in and all the people who shouldn't have applied realise why.
This is a despicable marketing ploy to enslave people on limited incomes... Five weeks before Christmas, and in the face of interest rate rises and runaway inflation.
And all to buy more stuff you don't need. :-X
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Where to start? This won't be a composed rant, but I think it should cover the bases.
..... "I always pay it off in full every month"... Then you don't need credit. ....
I have 2 credit cards. Both set up to be paid off in full each month.
Do I NEED 2 credi cards? Probably not. But one of them I've had for years & years, I don't get any money back on purchases but it lives in the same wallet as my phone & has bailed me out a couple of times when I've not had my wallet handy. The other pays me a few quid each month on certain purchase & pays for itself.
Credit cards are only dangerous if you spend more than you can afford to pay it back each month, fortunately I'm able to pay it back. But credit cards can also just be very handy & if you use the Amazon c/c just for your Amazon purchases you can probably keep a tighter hold on what you buy from them.
And what's wrong with free money?
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Where to start? This won't be a composed rant, but I think it should cover the bases.
..... "I always pay it off in full every month"... Then you don't need credit. ....
I have 2 credit cards. Both set up to be paid off in full each month.
Do I NEED 2 credi cards? Probably not. But one of them I've had for years & years, I don't get any money back on purchases but it lives in the same wallet as my phone & has bailed me out a couple of times when I've not had my wallet handy. The other pays me a few quid each month on certain purchase & pays for itself.
Credit cards are only dangerous if you spend more than you can afford to pay it back each month, fortunately I'm able to pay it back. But credit cards can also just be very handy & if you use the Amazon c/c just for your Amazon purchases you can probably keep a tighter hold on what you buy from them.
And what's wrong with free money?
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Exactly right you'd have to be an utter idiot to look at it any other way, but some folk just cannot handle their finances sensibly but that's their problem, personally I haven't paid any interest on anything for years.
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They work for you and that's great.
Doesn’t matter how good you are with money. You don't know what's around the corner. A couple of examples, that might seem far fetched, but could happen to most anyone... And let's presume a monthly spend on an Amazon card of £200. Obviously these are made up on the spot, and whilst I hope that neither happen, I would wager that everyone knows someone that has had these experiences... Andy probably works with people who have, and Rangie, whilst it couldn't possibly happen to you, I would be very surprised if your kids don't have peers who are in that position.
Example 1.
Andy B gets loses his job and Mrs leaves in the same month.
Suddenly that couple of hundred he pays off has to wait because now he has no income and has to pay rent. Only now he fails the credit check because his borrowing outweighs his income and within three months, still unemployed he defaults.
Example 2.
Rangies son and daughter, married for a couple of years are now expecting their second. They're good at budgeting but live one moth to the next and have little saved. He is self employed and she works part time. They use second credit card for groceries and his work expenses. He gets TCV and can't work for two weeks. That Amazon payment is going straight to the bottom of the list. When he goes back to work, he is told he's no longer required. Fortunately he finds another contract quite quickly, but it's 30 miles further away and pays two months behind. The Amazon card itself isn't their biggest worry, but it will be the one that trips them up first and he will only be a couple of set backs away from losing his work vehicle.
The 'I'm alright Jack' attitude is all well and good, but you aren't the primary target of these credit facilities. The number of people who don't pay them off in full every month easily outweighs the number of people who do by the hundreds, if not thousands. And that's why they are so dangerous.
And to Andys' point, a twenty pound note in your phone case would serve much the same purpose, likewise a debit card to an account with a couple of hundred in it.
And as Mr Skrunts alluded, the premium applied to prime goods more than offsets the 'free' voucher that you may or may not get.
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Changed from Barclayacrd visa.
Given a £20 promotional credit off my next purchase. :y
Easy £20 to make. :)
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It's imaginary money. Unless they actually send you a £20 note. Even then they'll bank on earning significantly more from you. :-X
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I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?
CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.
I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.
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I think it's great £40 for SWMBO to spend on her next purchase & today I've been informed of a £605. 60 overpayment of tax which has gone into my account today , great 24 hours..😄😄
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and Mrs leaves in the same month.
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Don't build up my hopes .... ::)
And my mortgage has been paid off years ago ;)
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and Mrs leaves in the same month.
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Don't build up my hopes .... ::)
And my mortgage has been paid off years ago ;)
It was an example ::) but if she were to leave, you would be selling the house and what happens in the meantime whilst everything gets sorted out... Sure you'll probably end up the right way up, but Amazon won't be a priority.
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I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?
CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.
I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.
Having just been away for almost a fortnight, stayed in a hotel, eaten out and hired a car... At no point did I think 'I wish I had a credit card to do all these things. ::)
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I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?
CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.
I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.
Having just been away for almost a fortnight, stayed in a hotel, eaten out and hired a car... At no point did I think 'I wish I had a credit card to do all these things. ::)
You're in a minority of one......again.
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Story of my life :D
Perhaps I should have my own box...
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and Mrs leaves in the same month.
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Don't build up my hopes .... ::)
And my mortgage has been paid off years ago ;)
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Not had a mortgage since 1987 , from the age of 21 - 25 I was silly with money ,then got into property easy way to make money.
As for credit cards I've probably got 9 or 10 of them use 2 most of the time & the others occasionally , I never turn down the opportunity of free cash be it £1.00 or £1,000 .
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I'm glad your ducks have lined up in a nice obedient row for you. But rest assured that it isn't free money, however you try and dress it up ;)
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I'm glad your ducks have lined up in a nice obedient row for you. But rest assured that it isn't free money, however you try and dress it up ;)
It's free money for some people, not so for others.
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So not free then ::)
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So not free then ::)
Free for me, not for you, as you're not in the game.
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The two main mistakes I made with mortgage(s)
1.....Endowment mortgage.
2.....Interest only mortgage.
Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.
All good now and for some time. :y
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The two main mistakes I made with mortgage(s)
1.....Endowment mortgage.
2.....Interest only mortgage.
Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.
All good now and for some time. :y
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You learn by your mistakes Opti ( not everyone does) hopefully, I certainly did, paying any interest is for mugs I soon realised that my money works for me & my family not for banks or loan companies.
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I've been creditcardless all week, and it didn't feel right. In my case, it was because Amazon were being knobjockeys, meaning I had to get the card stopped the day before I went away.
I too pay off monthly. If I found myself in the examples DG raised earlier, I would look to other options before getting into debt with CC's, as I'm not that stupid. I accept that many people are, though. Those same people have effectively paid for my "free banking" all my life.
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The two main mistakes I made with mortgage(s)
1.....Endowment mortgage.
2.....Interest only mortgage.
Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.
All good now and for some time. :y
I had one of those "Low Cost" endowments for my first house, back when interest rates were 15%.
It never reached it's intended target, and was ultimately around 10-15% short. However, interest rates also plummeted in that time, and despite being the stooped kid from the local comp, even I could see that I could, with the lower interest rates, pay off the loan much quicker by not being greedy, and reducing the loan amount by not adjusting the interest payments.
So, all in all, I found it a great experience. So much so, I never bothered with those lawyers milking a living off them being mis-sold.
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The two main mistakes I made with mortgage(s)
1.....Endowment mortgage.
2.....Interest only mortgage.
Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.
All good now and for some time. :y
I had one of those "Low Cost" endowments for my first house, back when interest rates were 15%.
It never reached it's intended target, and was ultimately around 10-15% short. However, interest rates also plummeted in that time, and despite being the stooped kid from the local comp, even I could see that I could, with the lower interest rates, pay off the loan much quicker by not being greedy, and reducing the loan amount by not adjusting the interest payments.
So, all in all, I found it a great experience. So much so, I never bothered with those lawyers milking a living off them being mis-sold.
Similar for me....only worse. :'(
£73 a month over 25 years with wise prudent investment was supposed to pay back £41000.....some hope. :-X
After ten years the policy was worth about £6000 (which was way less than I had put in) and was evidence the policy never going to make the required amount.
In a letter GRE explained the cost of professionally managing the policy needed to be taken into consideration. :(
Total clusterf*uck. :-X
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Stupid eh! I will class that as a compliment.
Before yesterday I had one credit card
£1000 payment due on 29th
the month after it will be £300 + what ever I use the card for till 4th Dec
The news from Amazon I opted for a Santander CC :-\
£2700 limit and the offer of tranfer to 0% balance for 18 months . . . . refused the option.
I think I get a % back on all purchases and no charges to run the card.
(If I use it) the balance will be paid in full each month.
On the OOF we talked about Amazon, as you know I now have one. ::)
The reasons I now have 3 is I have more options but at this point in time I have no intensions of using the new ones
I have spent a fortune on Amazon especially through lockdown, but with the change in charges I decided to stop shopping for a while at leat.
I am single ::)
No housing overheads 8)
own 3 cars :P
and the women in my life dont cost me a penny :-*
I have savings 8)
I certainly dont need the Credit Cards, but use them as they carry Insrance protection. :y :y
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I don't have a credit card, am i normal? :-[ ;)
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I've been creditcardless all week, and it didn't feel right. In my case, it was because Amazon were being knobjockeys, meaning I had to get the card stopped the day before I went away.
I too pay off monthly. If I found myself in the examples DG raised earlier, I would look to other options before getting into debt with CC's, as I'm not that stupid. I accept that many people are, though. Those same people have effectively paid for my "free banking" all my life.
That's my point... What happens if you and the Really Lucky Woman both get made redundant or have a LTS event? Those sensible, well managed cards then become liabilities. From a position of comfort/security it's easy to be laissez faire about them... But many of the people up to their eyes in debt, especially credit card debt, were once where you are now.
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Stupid eh! I will class that as a compliment.
Before yesterday I had one credit card
£1000 payment due on 29th
the month after it will be £300 + what ever I use the card for till 4th Dec
The news from Amazon I opted for a Santander CC :-\
£2700 limit and the offer of tranfer to 0% balance for 18 months . . . . refused the option.
I think I get a % back on all purchases and no charges to run the card.
(If I use it) the balance will be paid in full each month.
On the OOF we talked about Amazon, as you know I now have one. ::)
The reasons I now have 3 is I have more options but at this point in time I have no intensions of using the new ones
I have spent a fortune on Amazon especially through lockdown, but with the change in charges I decided to stop shopping for a while at leat.
I am single ::)
No housing overheads 8)
own 3 cars :P
and the women in my life dont cost me a penny :-*
I have savings 8)
I certainly dont need the Credit Cards, but use them as they carry Insrance protection. :y :y
Is that woman or women, Skruntie?
If it is women then you are a randy old sod. ;D ;D ;D
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I don't have a credit card, am i normal? :-[ ;)
If can answer 'no' to all the following:
Do you have... A Faceachebook account? An Amazon account? A credit card? An over draft?
Then you can join me in my identity box... :D
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I don't have a credit card, am i normal? :-[ ;)
If can answer 'no' to all the following:
Do you have... A Faceachebook account? An Amazon account? A credit card? An over draft?
Then you can join me in my identity box... :D
None of the above. :)
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Excellent, you're allowed in :y
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Stupid eh! I will class that as a compliment.
Before yesterday I had one credit card
£1000 payment due on 29th
the month after it will be £300 + what ever I use the card for till 4th Dec
The news from Amazon I opted for a Santander CC :-\
£2700 limit and the offer of tranfer to 0% balance for 18 months . . . . refused the option.
I think I get a % back on all purchases and no charges to run the card.
(If I use it) the balance will be paid in full each month.
On the OOF we talked about Amazon, as you know I now have one. ::)
The reasons I now have 3 is I have more options but at this point in time I have no intensions of using the new ones
I have spent a fortune on Amazon especially through lockdown, but with the change in charges I decided to stop shopping for a while at leat.
I am single ::)
No housing overheads 8)
own 3 cars :P
and the women in my life dont cost me a penny :-*
I have savings 8)
I certainly dont need the Credit Cards, but use them as they carry Insrance protection. :y :y
Is that woman or women, Skruntie?
If it is women then you are a randy old sod. ;D ;D ;D
2nd oneI have filtered my friends out over the years.
I am still in contact with all my Ex's, dont believe in argueing and falling out, if the relationship fails, end it and move on but remain friends. ::)
One of the women is an ex (my age), we speak most days, I help her when she struggles, she visits a few times a year and has been known to stay over. ::)
Another works away and comes to stay when she can but home for her is in Tenereife. ::)
The other 2 live local and are older than me (not by much) they are both stunning looking. ::)
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I don't have a credit card, am i normal? :-[ ;)
no ::) ::)
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I don't have a credit card, am i normal? :-[ ;)
no ::) ::)
Seconded.
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I don't have a credit card, am i normal? :-[ ;)
no ::) ::)
Seconded.
Excellent. Being normal sucks. :)
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....
If can answer 'no' to all the following:
Do you have... A Faceachebook account?
No
An Amazon account?
Yes
A credit card?
yes 2 of
An over draft?
there is one on my account ..... but never used
Then you can join me in my identity box... :D
Do I actually want to join .... ::) ::)
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....
If can answer 'no' to all the following:
Do you have... A Faceachebook account?
No
An Amazon account?
Yes
A credit card?
yes 2 of
An over draft?
there is one on my account ..... but never used
Then you can join me in my identity box... :D
Do I actually want to join .... ::) ::)
Do I want you to?*... :D
Sorry, that should be 'we'... I'd forgotten that Ron had joined ::)
As an aunt used to say, "You can. The question is whether you may."
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And my mortgage has been paid off years ago ;)
I paid off a mortgage earlier in the month and cancelled the direct debit. Two days later I get a letter.
Your bank has informed us that you have cancelled your direct debit.
Big red letters like this. >:( So? I thought. Then I wondered whether the solicitor had made off with the cash! :o ;D
So I phoned in. ::)
Oh it's just computer generated the lady said.
I thought I might get a computer generated letter thanking me for paying off the mortgage said I.
It takes a few days to close down the account.... she replied
In the event it was nearly two weeks later that I finally got the letter informing me that the mortgage account had been closed, and the bastards didn't even thank me for the thousands £££ of interest I paid them! ::) >:(
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And my mortgage has been paid off years ago ;)
I paid off a mortgage earlier in the month and cancelled the direct debit. Two days later I get a letter.
Your bank has informed us that you have cancelled your direct debit.
Big red letters like this. >:( So? I thought. Then I wondered whether the solicitor had made off with the cash! :o ;D
So I phoned in. ::)
Oh it's just computer generated the lady said.
I thought I might get a computer generated letter thanking me for paying off the mortgage said I.
It takes a few days to close down the account.... she replied
In the event it was nearly two weeks later that I finally got the letter informing me that the mortgage account had been closed, and the bastards didn't even thank me for the thousands £££ of interest I paid them! ::) >:(
Funny, isn't it? I had a purge of old direct debits a while ago.
Found a couple of policies I no longer needed that I was still paying for by DD. In some cases I'd had no policy details through the post for years so just dumped them.
It's funny how these people who've been merrily sucking your blood for years and never communicating with you suddenly get all uppity when you disconnect them from the vein. ;D
I had a mobile phone company set the debt collectors on me because they tried to take a monthly payment a month after I'd cancelled. That didn't go too well for them. ::)
Charities always get told to foxtrott oscar if they want a direct debit set up too.
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You're simply an account number to any financial institution, they couldn't give a monkeys, if you don't pay they simply take it away, and if you've cleared your debt there's always some poor unfortunate eager to take your place.
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I've been creditcardless all week, and it didn't feel right. In my case, it was because Amazon were being knobjockeys, meaning I had to get the card stopped the day before I went away.
I too pay off monthly. If I found myself in the examples DG raised earlier, I would look to other options before getting into debt with CC's, as I'm not that stupid. I accept that many people are, though. Those same people have effectively paid for my "free banking" all my life.
That's my point... What happens if you and the Really Lucky Woman both get made redundant or have a LTS event? Those sensible, well managed cards then become liabilities. From a position of comfort/security it's easy to be laissez faire about them... But many of the people up to their eyes in debt, especially credit card debt, were once where you are now.
Why would it be a liability? We only buy stuff on CC's that we can afford to pay off when the bill arrives. Much like we don't use the "free" overdrafts you get with current accounts. Like so many others, we don't use credit cards for the purpose of credit, but for the benefits of using them (protection on certain purchases, rewards and so on).
If we need to make purchases that we could not realistically pay off when the bill arrives, such as a new car, there are far more cost effective ways of doing that than using a credit card, or being enticed by those 0% balance transfers and so on.
Having sharp knives in the house is a liability, they can be dangerous, both intentionally or accidentally. But its a tool we can use in relative safety if common sense is applied.
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Charities always get told to foxtrott oscar if they want a direct debit set up too.
I fell out with MacMillan over that. I wanted to give them a £20 note, they didn't want it, and tried to get me to sign up for a DD. So they got SFA from me, and continue to do so now.
However, I subsequently learned from somebody working at a similar charity, the tin rattlers are allowed to take a huge percentage (it was a ridiculous figure, something like 90%) of the collected money as expenses/wages. So I'm wary giving to them now.
The local fire brigade often hold a collection in town, as part of their charity to help injured firefighters, collected by the actual firemen and women. I normally chuck them £50 for obvious reasons, but only as one-off donations, not monthly payments.
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I've been creditcardless all week, and it didn't feel right. In my case, it was because Amazon were being knobjockeys, meaning I had to get the card stopped the day before I went away.
I too pay off monthly. If I found myself in the examples DG raised earlier, I would look to other options before getting into debt with CC's, as I'm not that stupid. I accept that many people are, though. Those same people have effectively paid for my "free banking" all my life.
That's my point... What happens if you and the Really Lucky Woman both get made redundant or have a LTS event? Those sensible, well managed cards then become liabilities. From a position of comfort/security it's easy to be laissez faire about them... But many of the people up to their eyes in debt, especially credit card debt, were once where you are now.
Why would it be a liability? We only buy stuff on CC's that we can afford to pay off when the bill arrives. Much like we don't use the "free" overdrafts you get with current accounts. Like so many others, we don't use credit cards for the purpose of credit, but for the benefits of using them (protection on certain purchases, rewards and so on).
If we need to make purchases that we could not realistically pay off when the bill arrives, such as a new car, there are far more cost effective ways of doing that than using a credit card, or being enticed by those 0% balance transfers and so on.
Having sharp knives in the house is a liability, they can be dangerous, both intentionally or accidentally. But its a tool we can use in relative safety if common sense is applied.
This... is the crux of the illususion. What happens if something occurs in the meantime? Suddenly that intention to pay the balance becomes a minimum payment. Do that for three or more months and suddenly you're accruing interest at 29%.
If your household income drops 20%, could you still pay it off?
Obviously the use of 'you' etc is the Royal You, but even with the best will in the world, most people can survive a single modest hit, but two or three in a row...
A broken ankle might not cause an issue, but if your other half breaks a collar bone or wrist in the shower a week later, things start to get dicey.
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Al .... you're definitely a glass half empty kinda bloke ::)
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Charities always get told to foxtrott oscar if they want a direct debit set up too.
I fell out with MacMillan over that. I wanted to give them a £20 note, they didn't want it, and tried to get me to sign up for a DD. So they got SFA from me, and continue to do so now.
However, I subsequently learned from somebody working at a similar charity, the tin rattlers are allowed to take a huge percentage (it was a ridiculous figure, something like 90%) of the collected money as expenses/wages. So I'm wary giving to them now.
The local fire brigade often hold a collection in town, as part of their charity to help injured firefighters, collected by the actual firemen and women. I normally chuck them £50 for obvious reasons, but only as one-off donations, not monthly payments.
We were drinking outside a pub one day when a couple in a smart car turned up, went into the pub and retured with the Blind collection box. They tipped it out and hid 75% of it in the glove box and bagged the rest, sealed it, wrote a reciept for the pub and returned the box.
Dodgy sods should have counted the cash in front of the landlord. >:(
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Al .... you're definitely a glass half empty kinda bloke ::)
Not generally, but having been in debt to various degrees until last year, I know first hand what it is like to work 12 hour night shifts 28 days straight in order to keep from drowning.
Obviously the majority of older members here have had their shit together for years, if not decades, and like I have said before, you're very much a minority even amongst your peers. And you're not the target audience for consumer credit.
-
Charities always get told to foxtrott oscar if they want a direct debit set up too.
I fell out with MacMillan over that. I wanted to give them a £20 note, they didn't want it, and tried to get me to sign up for a DD. So they got SFA from me, and continue to do so now.
However, I subsequently learned from somebody working at a similar charity, the tin rattlers are allowed to take a huge percentage (it was a ridiculous figure, something like 90%) of the collected money as expenses/wages. So I'm wary giving to them now.
The local fire brigade often hold a collection in town, as part of their charity to help injured firefighters, collected by the actual firemen and women. I normally chuck them £50 for obvious reasons, but only as one-off donations, not monthly payments.
We were drinking outside a pub one day when a couple in a smart car turned up, went into the pub and retured with the Blind collection box. They tipped it out and hid 75% of it in the glove box and bagged the rest, sealed it, wrote a reciept for the pub and returned the box.
Dodgy sods should have counted the cash in front of the landlord. >:(
It always seems strange to me that most of the charity collection bags that land on my door mat are for 'charities' that i've never heard of. A lot of people make quite a good living by starting up these so called organisations. Also the eyewatering amounts that the CEOs of some of the main charities are paid gets me going as well. >:(
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Al .... you're definitely a glass half empty kinda bloke ::)
Not generally, but having been in debt to various degrees until last year, I know first hand what it is like to work 12 hour night shifts 28 days straight in order to keep from drowning.
Obviously the majority of older members here have had their shit together for years, if not decades, and like I have said before, you're very much a minority even amongst your peers. And you're not the target audience for consumer credit.
Some on here dont have the life experience (or bad luck) to understand what your talking about.
20 years ago I was doing just fine. Good income, biggish house, healthy family, albeit at the cost of working very long hours in an extremely pressurised environment.
Over a pretty short period of time it all collapsed around my ears and I woke every morning feeling physically sick and my head trying to explode with one major problem after another pressing down on me.
After around 3 years the fog cleared a bit and my family were all still alive (just) and the pressure wasnt so great, but the one thing that had been lost among it all was the financial security. Ended up in social housing, slowly paying off debt by transferring onto 0% cards and slowly got back on an even keel.
Too late in life to become a homeowner again though. The thought that my mortage would have been paid off by now instead of rent forever on this rabbit hutch, and working until Im 70 when I could have retired at 60 can bring me to tears.
On the other hand there was a very good chance my wife and son could have died and neither of them did, so that kind of puts it in perspective.
Its only money.
Im happy for you lucky people who have never had to experience this kind of thing, but please dont make huge assumptions about everyone else who hasnt been as fortunate. ;)
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I was 25 when I realised I didn't like not having any money left over at the end of the month it was all going on loans & a huge overdraft, had a windfall from my grandmother & started investing in property & swore then I would never borrow again or pay another penny in interest , sometimes it was difficult but I stuck with it & it worked for me.
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I was 25 when I realised I didn't like not having any money left over at the end of the month it was all going on loans & a huge overdraft, had a windfall from my grandmother & started investing in property & swore then I would never borrow again or pay another penny in interest , sometimes it was difficult but I stuck with it & it worked for me.
Thing is, if you could borrow money from a secure institution (like a bank) at say 1% interest rate, and invest that money in another secure institution (like another bank) who paid you 2% interest - would you do it?
There are govt sanctioned schemes which allow almost everyone between 55-75 to pay in £3000 every year, the govt top it up to £3600, and you can then withdraw the entire £3600, and pay the original £3000 back to the lender. It takes a month or two for everything to work out so there will be some interest to pay, but it'll be nowhere near the £600 that the govt 'give' you.
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I was 25 when I realised I didn't like not having any money left over at the end of the month it was all going on loans & a huge overdraft, had a windfall from my grandmother & started investing in property & swore then I would never borrow again or pay another penny in interest , sometimes it was difficult but I stuck with it & it worked for me.
Where would you be without that windfall?
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.....
Im happy for you lucky people who have never had to experience this kind of thing, but please dont make huge assumptions about everyone else who hasnt been as fortunate. ;)
I don't think that anyone was making assumptions about anyone else, just saying to Al that it's possible to have & use a credit card within your financial means.
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I was 25 when I realised I didn't like not having any money left over at the end of the month it was all going on loans & a huge overdraft, had a windfall from my grandmother & started investing in property & swore then I would never borrow again or pay another penny in interest , sometimes it was difficult but I stuck with it & it worked for me.
Thing is, if you could borrow money from a secure institution (like a bank) at say 1% interest rate, and invest that money in another secure institution (like another bank) who paid you 2% interest - would you do it?
There are govt sanctioned schemes which allow almost everyone between 55-75 to pay in £3000 every year, the govt top it up to £3600, and you can then withdraw the entire £3600, and pay the original £3000 back to the lender. It takes a month or two for everything to work out so there will be some interest to pay, but it'll be nowhere near the £600 that the govt 'give' you.
The govt gave free money to first time buyers too ..... can't remember the in's & out's but my daughter benefited from it when she bought her house at the end of last year.
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This... is the crux of the illususion. What happens if something occurs in the meantime? Suddenly that intention to pay the balance becomes a minimum payment.
No, I will not buy something - very expensive purchases aside, which mean some form of loan - unless I have the money to buy it. I am using the CC for the benefits it gives, not because I want to borrow the money.
I know and accept some people do. I even know some people who used to buy brand new cars on CC, and use balance transfers all the time, and proudly tell everyone its easy, free money, and everybody should do it. Many of these declared themselves bankrupt when the balance transfer options dried up in the credit crunch. Idiots.
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Some on here dont have the life experience (or bad luck) to understand what your talking about.
With health and the health of your loved ones, that's all that matters at the end of the day.
In a former life, I too ended up with nowhere permanent to live, and having to live on 9p Victor Value baked beans, and on posh days, cooked by rigging up the can in a kettle.
But I never bought anything I couldn't afford, hence never been in debt - beyond mortgages and loans. It was one of many things I must have learnt from dad.
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
.
You're absolutely right Steve nothing worse than having no money and red letters from the Banks charging you more to add to your problems , but if you see a way out of it grab it with both hands is my advice ( within the law of course) mine was due to living beyond my means I freely admit that , fortunately through my experiences I was able to advise my son and daughter the importance of being financially astute, plus to be able to assist financially if required both have nice properties my daughter actually bought he first house when she was 19 and gradually "traded up"
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
.
You're absolutely right Steve nothing worse than having no money and red letters from the Banks charging you more to add to your problems , but if you see a way out of it grab it with both hands is my advice ( within the law of course) mine was due to living beyond my means I freely admit that , fortunately through my experiences I was able to advise my son and daughter the importance of being financially astute, plus to be able to assist financially if required both have nice properties my daughter actually bought he first house when she was 19 and gradually "traded up"
That is impressive.
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
People may think I was born rich but I wasn't......although we never went hungry.
Like many people hand me down clothes from older siblings was common. No nancy boy central heating either so scraping the ice from the inside of the windows was always fun during the winter. :y
It's all relative. The further you go back in time the harder people had it. NO NHS before 1948 remember.
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
People may think I was born rich but I wasn't......although we never went hungry.
Like many people hand me down clothes from older siblings was common. No nancy boy central heating either so scraping the ice from the inside of the windows was always fun during the winter. :y
It's all relative. The further you go back in time the harder people had it. NO NHS before 1948 remember.
My daughter didn't have a clue when I said about ice on the inside of our bedroom windows as a kid .... Jack Frost.
And she really can't believe that I didn't have an inside toilet as a young lad and had a toilet outside in the yard.
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We had paraffin heaters when I was a kid, absolutely hate the smell of those heaters, remember being sent to get a gallon from the hardware shop local to us the whole place stank of paraffin.
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Who is going to be first to bring up living in a shoe box in the middle of the road ? :D
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You had a shoe box? ;D
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I think, unless we were born into wealth, most of us will have had rough periods. I grew up in poverty, and have had several periods of my life waking up on a Monday morning without a penny. But it wasn't from overstretching myself, it was from life's ups and downs.
People may think I was born rich but I wasn't......although we never went hungry.
Like many people hand me down clothes from older siblings was common. No nancy boy central heating either so scraping the ice from the inside of the windows was always fun during the winter. :y
It's all relative. The further you go back in time the harder people had it. NO NHS before 1948 remember.
My daughter didn't have a clue when I said about ice on the inside of our bedroom windows as a kid .... Jack Frost.
And she really can't believe that I didn't have an inside toilet as a young lad and had a toilet outside in the yard.
Always remember Dad going up to the top of our garden, with a fag on, to empty the bucket of the outside bog. Had the best rhubarb in whole street though. :D
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You had a shoe box? ;D
luxury!! ::) ::) ;)
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You had a shoe box? ;D
I was very lucky. :y ;D
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Like many people hand me down clothes from older siblings was common.
Yup, me too. Trouble is, I have an older sister.
;D
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Like many people hand me down clothes from older siblings was common.
Yup, me too. Trouble is, I have an older sister.
;D
That's quite acceptable today. Normal even.
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Like many people hand me down clothes from older siblings was common.
Yup, me too. Trouble is, I have an older sister.
;D
That's quite acceptable today. Normal even.
On at the weekends. Well, down this way, anyway ;D
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You seem quite balanced all things considered...
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You seem quite balanced all things considered...
How dare you
;D
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You seem quite balanced all things considered...
How dare you
;D
I did say 'quite'
:D
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
.
Just set it all up on line £40 credit already showing on account. 😁
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
Don't tell everyone ... Al will tell us that none of us need a credit card ::)
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
Don't tell everyone ... Al will tell us that none of us need a credit card ::)
Mick is on a wind up mission, aren't you Mick? ;D ;D ;D
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
Don't tell everyone ... Al will tell us that none of us need a credit card ::)
Mick is on a wind up mission, aren't you Mick? ;D ;D ;D
.
Me ? Nooooo 😂😂😂
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
.
Just set it all up on line £40 credit already showing on account. 😁
Noticed yesterday they are giving £50 now
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
.
Just set it all up on line £40 credit already showing on account. 😁
Noticed yesterday they are giving £50 now
.
Have to get another for SWMBO..😁
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
Don't tell everyone ... Al will tell us that none of us need a credit card ::)
You don't ::)
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
.
Just set it all up on line £40 credit already showing on account. 😁
Noticed yesterday they are giving £50 now
.
Have to get another for SWMBO..😁
If they are giving away free money I might get another too ... just to use on the rare occasions I buy from Amazon ::)
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Just opened today's mail Amazon card has arrived ! £10,000 limit spend spend spend as someone once said..🎄🎄🎄
I got mine as well £7500 limit
.
Just set it all up on line £40 credit already showing on account. 😁
Noticed yesterday they are giving £50 now
.
Have to get another for SWMBO..😁
If they are giving away free money I might get another too ... just to use on the rare occasions I buy from Amazon ::)
.
Crazy not too , the credit is valid for 10 years according to the info supplied to me so no rush to purchase anything ! Will order one for SWMBO today .
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
They don't give you money for nowt, the whole idea is to use their card for purchases on Amazon. If you pay it off in full each month, it makes no difference to you.
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
Told you so.
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
They don't give you money for nowt, the whole idea is to use their card for purchases on Amazon. If you pay it off in full each month, it makes no difference to you.
But I get cashpack on my existing card, hence would prefer to permanently use that.
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
They don't give you money for nowt, the whole idea is to use their card for purchases on Amazon. If you pay it off in full each month, it makes no difference to you.
But I get cashpack on my existing card, hence would prefer to permanently use that.
Then don't apply for Amazon's card.
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Cheeky buggers
I keep setting the payment option to my old card and they keep changeing it back to use thier own. :-\
They don't give you money for nowt, the whole idea is to use their card for purchases on Amazon. If you pay it off in full each month, it makes no difference to you.
But I get cashpack on my existing card, hence would prefer to permanently use that.
Then don't apply for Amazon's card.
I didn't.
Mind you, my last conversation with Amazon might have ended with me suggesting a dark place to insert their wares....
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The reason Amazon are offering £20 for any Mastercard and £40 for their own brand is all to do with credit card fees. They offer more money for their own because they hope you won't settle in full each month and, therefore, pay interest.
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The reason Amazon are offering £20 for any Mastercard and £40 for their own brand is all to do with credit card fees. They offer more money for their own because they hope you won't settle in full each month and, therefore, pay interest.
Has Al been talking to you? ::) ::)
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The reason Amazon are offering £20 for any Mastercard and £40 for their own brand is all to do with credit card fees. They offer more money for their own because they hope you won't settle in full each month and, therefore, pay interest.
Has Al been talking to you? ::) ::)
You obviously didn't understand my point. Any credit card provider would like you to pay interest, that's mostly how they make money, but I'm not saying anyone should pay interest.
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The reason Amazon are offering £20 for any Mastercard and £40 for their own brand is all to do with credit card fees. They offer more money for their own because they hope you won't settle in full each month and, therefore, pay interest.
Has Al been talking to you? ::) ::)
You obviously didn't understand my point. Any credit card provider would like you to pay interest, that's mostly how they make money, but I'm not saying anyone should pay interest.
I knew what you meant .... I spend loads on my cards each month but neither providers get any interest off me.
Al thinks though that all credit card holders will end up paying some interest at some time or other because their life will fall apart between payments. ;) ;)
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Could/might... ::)
Although I did also say that it's a move on Amazon's part to ensure that you use their facilities to purchase their tat and ensure total world domination. At your expense.
Hence the 'I told you so.' ;)
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All set up two cards mine & one for SWMBO £80 credit thanks very much & we will never pay a penny in interest, I didn't get where I am today by turning down easy money ( honestly of course) 😁😁😁
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Same with me.
Because of the changes I was glad as I spend far too much on Amazon.
I know I will be buying from them again, but the challenge is how long will I resist using the new card. ::)
Plus as Martin Lewis says. I allways pay my card off in full every month (No Charges) :y :y
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Well done easy to do , always pay in full every month as well DD ensures that..👍
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It's never ending
Congratulations, you’ve been selected to apply for PayPal Credit. Based on your PayPal purchases, we think it could be a great fit for you. ::)
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It's never ending
Congratulations, you’ve been selected to apply for PayPal Credit. Based on your PayPal purchases, we think it could be a great fit for you. ::)
My mum is 92 and on her state pension. She was selected for a PayPal credit card. She didn't take them up on it, unsurprisingly ::)
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It's never ending
Congratulations, you’ve been selected to apply for PayPal Credit. Based on your PayPal purchases, we think it could be a great fit for you. ::)
My mum is 92 and on her state pension. She was selected for a PayPal credit card. She didn't take them up on it, unsurprisingly ::)
they keep sending that email to my Mum too ,along with a "free £5" offer .
any TAT that my old mum wants off ebay I can buy on my account ;D :D
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They havent offered me any money yet :-\
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They havent offered me any money yet :-\
Hang in there :y
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They havent offered me any money yet :-\
They probably will, but they'll want some back too ;D
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Good luck to them on that. ::) ::)
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So . . . . .
17th Nov applied to Santander for a Mastercard, told paperwork would arrive within 10 days needed to be signed and returned. :)
12 days later spend 2 hours getting through to them to say nothing had arrived to be signed. >:(
2nd lot of paperwork arrived 6th dec, signed and returned in post same day. :)
Yesterday I got an email saying I had 65 days of my 90 day free credit left. >:(
Today my phone app was updated, but the middle 8 numbers **** out ;)
More time on the phone tonight and still bo one picks up the phone. :-\
Pathetic service
Amazon applied one day, active the next and a card delivered a few days later. :y :y :y
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They'll be having a siesta.
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Good luck getting through when the people who received the first letter have finished with Christmas :-X
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The expected change regarding the use of Visa credit cards on Amazon.co.uk will no longer take place on January 19. We are working closely with Visa on a potential solution that will enable customers to continue using their Visa credit cards on Amazon.co.uk.
Should we make any changes related to Visa credit cards, we will give you advance notice. Until then, you can continue to use Visa credit cards, debit cards, Mastercard, American Express, and Eurocard as you do today.
Thank you for being an Amazon customer.
I reckon quite a few people had started shopping else where and forced Amazon to change thier minds. ::)
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Spent my free £50 on my new Amazon card , I bought a new Hozelock wall mounted reel & hose it's brilliant & very sturdy swmbo hasn't spent a penny on hers yet.
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The expected change regarding the use of Visa credit cards on Amazon.co.uk will no longer take place on January 19. We are working closely with Visa on a potential solution that will enable customers to continue using their Visa credit cards on Amazon.co.uk.
Should we make any changes related to Visa credit cards, we will give you advance notice. Until then, you can continue to use Visa credit cards, debit cards, Mastercard, American Express, and Eurocard as you do today.
Thank you for being an Amazon customer.
I reckon quite a few people had started shopping else where and forced Amazon to change thier minds. ::)
Yes, indeed. In retail you tread a dangerous path in ignoring your customers preferences, and in this case Amazon tried to do just that. As big as they are, the usual rules of keeping your customers happy still apply and it seems "pressures" made them reconsider what they were proposing. ;)
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So . . . . .
17th Nov applied to Santander for a Mastercard, told paperwork would arrive within 10 days needed to be signed and returned. :)
12 days later spend 2 hours getting through to them to say nothing had arrived to be signed. >:(
2nd lot of paperwork arrived 6th dec, signed and returned in post same day. :)
Yesterday I got an email saying I had 65 days of my 90 day free credit left. >:(
Today my phone app was updated, but the middle 8 numbers **** out ;)
More time on the phone tonight and still bo one picks up the phone. :-\
Pathetic service
Amazon applied one day, active the next and a card delivered a few days later. :y :y :y
I recall reading a while back that Santander were voted worst for customer service 8 years on the trot at one point, so they have certain low standards to keep otherwise another Bank would take the top spot for being worst. ::)
Same with anything I guess, some have good experiences and some bad. My parents bank with Santander and as I'm LPoA for them Santander made my life extremely difficult. I had carers to pay but they blocked the account, as one department hadn't notified the fraud department, even though I'd sat in their branch and showed all of the necessary ID's and proof of LPoA.
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The reason Amazon are offering £20 for any Mastercard and £40 for their own brand is all to do with credit card fees. They offer more money for their own because they hope you won't settle in full each month and, therefore, pay interest.
Not to mention that their's will undoubtedly be via their own clearing house, thus saving on the fees that shops have to pay the clearing houses on every transaction. This can be up to 5-6%, depending on clearing house and turnover.