Nice. Perhaps this could be renamed the credit card thread, where people can discuss new cards, get advice, post new offers they’ve found etc?Just had this turn up, thanks to this thread.
Nice. Perhaps this could be renamed the credit card thread, where people can discuss new cards, get advice, post new offers they’ve found etc?Just had this turn up, thanks to this thread.
Admin errors by the bank will not cost you interest and any missed payment on your CR will be removed.E.g. administrative error by the bank.. it's just hassle for not much reward.
I feel like you’re just using this thread to bragIt's not just about the money. You're selling your data as well.
In 5 years time, I will be mortgage free and student loan free. I will never have any debt again. If I want to upsize house or car, it will be paid for with cash.
No one will be coming after me for money except for council tax and utilities. That's how I want to live my life. OK I missed out on a couple of hundred at most per year. That's not going to change my life. Having a clear mind to focus on work will.
Once you have DD’s setup, you don’t need to manage them.The person in the US who has 50 plus credit cards. The amount of time you're spending on managing that, it has to eat into your work/life. Everything has a cost.
I have no compunctions whatsoever about abusing banks and credit card companies systems as they certainly have no problems doing it to their customersUse and abuse the card system. Why not if you can get away with it.
As if I’d need to buy a corner sofa on a credit card!I wonder if anyone on these forums buys gucci stuff and corner sofas on a credit card.
Yep, £5 a week for 4 years.for 4 years from DFS?
Is that Jermaine Beckford?£960 over 4 years for a corner sofa. Bargain!
PS cheapest one at DFS is $649 and 3 years credit lol
Corner Sofas | Modern L Shaped Sofas | DFS
Make the most of your space with our corner sofas, designed to offer the highest level of comfort. Our L shaped sofas come in a variety of fabrics and designs.www.dfs.co.uk
Thought it was.Looks like it.
He even has one named after him
Beckford 3 Seater Sofa | DFS
Crafted from butter-soft leather, the Beckford features stud detailing and scrolled arms for easy elegance.www.dfs.co.uk
He got one today!Feek's too posh for a Barclays Card.
Can’t find what?wait, i saw this but can't find it now!
If you go on to the Barclaycard app and scroll down the main page, there should be a section for Apple subscriptions.Does it? Dunno. My new MBA came with three months of AppleTV+ but we have it anyway as part of the family Apple One thing.
I do agree with this.
Well the buyers protection for one.Why would I need more than 1 one cc? tbh I was googling about ending mine, but it can affect credit rating. I guess I'm now in that cult for a life time. It's nice to have a cc "just in case" but if I have savings then why do I need one and shouldn't the all knowing credit rating systems know what savings I have?
When I was younger I defaulted on a £2500 credit card bill. They chased me for a long time, constantly towards the end, but once the 6 years were up and it fell of my credit record, I didn’t get a single call or letter againOr emigrate.
Our previous next door neighbours did exactly that, they racked up tons of personal loans, credit cards, posh Audi on finance, sold that and their house, took the money from all that and moved to Australia.
Not a damn thing anyone could do about it.
funny thing is now as it's been over 7 years if they ever came back they probably wouldn't even be chased for it.
Doesn’t too many cards negatively impact your rating though?I'm on have both the Amex BA and Barclays Premier which includes Avios.. this allows me to link other credit/debit cards not associated with Avios to earn points. Don't have a specific Barclays Avios card.
Got too many credit cards tbh.. around 15 or so, if i include debit cards... which i use about 3 as my main and the opthers i make random purchases and pay off straight away. This is purely done to increase my credit rating after i got a Default (which i appealed) a long time ago because of a non existent mobile bill
You get excellent buyer protection with credit cards under section 75 of the consumer actI don't have any credit cards i don't see the need for one
I just use my Debit card for buying & Paying everything
What do you guys need or use a credit card for ???