I'm not going there for a credit card, I'm going there for other specifics
A credit card was just something I'll talk about at the same time.
Credit Cards
- Thread starter Phate
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I'm not going there for a credit card, I'm going there for other specifics
A credit card was just something I'll talk about at the same time.
Er once a month
I haven't been into my bank other than to pay stuff in since I opened the account!! Surely you can just check your online statement to see if you are over spending!![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
I'm not going there for a credit card, I'm going there for other specifics
A credit card was just something I'll talk about at the same time.
What are you going to talk about
There is no need to go in and talk to your bank about anything unless there is an error with your account. Everything they offer and more can be researched from the comfort of your own room where you will find services the same and better which will cost you less.
You are not going in for a financial planning meeting you are going in for a sales talk. Honestly, why can you not see this? I cannot begin to imagine why somebody would visit the bank once a month
So you pay for a package bank account?
It's only £15 a month, main thing is I get appointment a manager who I speak with once a month to MAKE SURE I do not go into debt.
It's just a check at an expense which won't make any difference to me in day to day life but I like to make sure by going in and checking, in turns its also saved me money in the long run.
I wouldn't be so sure, certainly nowadays, given how much of an epic fail the system of 'computer says yes/no' seems to have been, I wouldn't be surprised if managers start having more of a say based on factors like willingness to attend meetings to discuss finances etc.
No, it's a complete waste of money. £15 per month is £180 per year. Nobody should pay for a personal current account.
The bank only want to sell you things, seriously. Regardless of what you might think, they want you to get in to debt - they make more money this way. Why else do you think they tried to cross-sell you one of their credit cards?!
The bank only want to sell you things, seriously. Regardless of what you might think, they want you to get in to debt - they make more money this way. Why else do you think they tried to cross-sell you one of their credit cards?!
[TW]Fox;12829278 said:What are you going to talk about
Mind your business
that's not the point of this thread anyway. I don't go into the bank to see what new offers they have on. Wrong.
Honestly, why can you not see this? I cannot begin to imagine why somebody would visit the bank once a month
This is where me and you differ, you cannot see why someone would visit the bank each month, whereas to me I see nothing wrong with making sure your finances are in order.
Banks are not there to be nice... their job is to make money...
and it looks like they are doing a good job with you!
Mind your business
You don't, no, but thats why they like you to come.
Right. Why do you always think you know best in threads like this when it's usually abundently clear you dont? Have you ever stopped to think how much money you could save if you actually bothered to take in what people say in your many threads of fail rather than argue with them about how you are right and everyone else is wrong?
There is nothing wrong with making sure you finances are in order but a once a month £15 a month meeting with a bank manager is not the way to do this. The purpose of the meeting is to make sure the banks finances are in order. You dont realise this because thats the point - get you thinking you want to visit.
You've fallen for it hook line and sinker and rather than think carefully about it you'd rather just flame people who suggest its daft.
I'd recommend the tesco CC, we use ours to get extra points and the web interface for managing it is ace.
We get about £120 every quarter in restaurant vouchers etc from it just on the points alone, before I even look at the other benefits. you can also spend those vouchers at DIY stores etc.
We get about £120 every quarter in restaurant vouchers etc from it just on the points alone, before I even look at the other benefits. you can also spend those vouchers at DIY stores etc.
+ all the services they sell you.
I have a very good cash flow and use my debit card for everything. I never go overdrawn and know exactly what I have to spend each month with a buffer in place. Why would I need a credit card? Would I already have a good credit rating in place if I have never been overdrawn and just had a consistent amount of money coming in?
I have always ignored credit cards and know very little about them, but presume that there is very little benefit to using one if I have good cash flow and can pay for things outright with my debit card?
Advice is welcomed, I cba to start a new thread sorry
I have always ignored credit cards and know very little about them, but presume that there is very little benefit to using one if I have good cash flow and can pay for things outright with my debit card?
Advice is welcomed, I cba to start a new thread sorry
Personally I would rather have the £15 thanks, that would do a nice takeaway, or a CD or something I would enjoy!
You've never had credit so you've probably got no credit rating.
Tesco credit card is pretty dire - 1 Clubcard point (worth 1p) for every £4 you spend on it if you take one out now. You can quadruple this with the deals brochure which does mean 1% cashback, but surely you're better off with a cashback card paying 1% (e.g. Egg Money, Shell Mastercard from Citi) so you actually get cash rather than being tied in to getting things from their brochure?
I wouldn't bother trying to explain, I know personally when I had got into a bunch of debt and then was getting myself out of it, I found it quite useful to go into the bank on occasion and have a chat to an 'independent' person who was aware of my finances, although admittedly was free for me
I always look at [TW]Fox as the 'good conscience' of the forum, everything he says is usually spot-on, but my god it's painfully sensible at times
If you find it's useful or gives you peace of mind, then frankly who gives a toss what other people think, it's your money after all!