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Author Loans, Credit cards?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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5th Nov 08 at 08:21   View Garage View User's Profile U2U Member Reply With Quote

Twiggy got it in one. If you don't understand it, you shouldn't be applying for one...
Twiggy
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Registered: 15th Oct 04
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5th Nov 08 at 08:38   View User's Profile U2U Member Reply With Quote

i work for a credit card company and you get them calling in, thinking they know what there doing then when it goes pete thong and they cant afford the payments etc...

I think there should be a test to see if you are mentally ok to take out a card!
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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5th Nov 08 at 08:40   View Garage View User's Profile U2U Member Reply With Quote

I just pay mine off, every month without fail...
Daniel_Corsa
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Registered: 21st Apr 04
Location: Wigton, Cumbria
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5th Nov 08 at 08:41   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Twiggy
for the love of god!

if you cant undersrtand the about i dont think its wise to get a credit card imo!


Good call


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Twiggy
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Registered: 15th Oct 04
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5th Nov 08 at 08:42   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by pow
I just pay mine off, every month without fail...


boooooo
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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5th Nov 08 at 08:42   View Garage View User's Profile U2U Member Reply With Quote

Yeah, I'm a credit card companys worse nightmare - I take all the rebate and pay everything off in full
Twiggy
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Registered: 15th Oct 04
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5th Nov 08 at 08:43   View User's Profile U2U Member Reply With Quote

aparantly we do get a cut of the transaction fee though
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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5th Nov 08 at 08:47   View Garage View User's Profile U2U Member Reply With Quote

Your alright then. Citi must hate me
Dione J
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Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
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5th Nov 08 at 08:51   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Twiggy
for the love of god!

if you cant undersrtand the about i dont think its wise to get a credit card imo!
I understand the basics of how they work, but what im trying to do is work how to take advantage of the 0% rebate and what would be the best option for me as I want to use that to its advantage and as said pay it all off before that term/offer runs out
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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5th Nov 08 at 08:54   View Garage View User's Profile U2U Member Reply With Quote

0% rebate?



0% on BALANCE TRANSFERS mean that you can transfer the balance from one credit card to this one for no fee from this company. The company you are transfering it from MIGHT charge.

0% Interest Free means if you buy something on it and DON'T pay it off in full, you won't get any interest on that over the free period. You have to make the minimum (or upwards any amount) payment every month though.

You cannot draw chas from a chas machine using a credit card - well, you can, BUT its about a 25% charge. Draw £100, costs you £125 on the bill.

[Edited on 05-11-2008 by pow]
stubbsy05
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Registered: 23rd Oct 02
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5th Nov 08 at 09:25   View User's Profile U2U Member Reply With Quote

www.moneysavingexpert.co.uk

Go there - really useful
Dione J
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Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
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5th Nov 08 at 09:38   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by pow
0% rebate?



0% on BALANCE TRANSFERS mean that you can transfer the balance from one credit card to this one for no fee from this company. The company you are transfering it from MIGHT charge.

0% Interest Free means if you buy something on it and DON'T pay it off in full, you won't get any interest on that over the free period. You have to make the minimum (or upwards any amount) payment every month though.

You cannot draw chas from a chas machine using a credit card - well, you can, BUT its about a 25% charge. Draw £100, costs you £125 on the bill.

[Edited on 05-11-2008 by pow]
Thanks, it makes sense now. I think I wa getting confusing with the balance transfer part
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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5th Nov 08 at 18:57   View User's Profile U2U Member Reply With Quote


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