Member Since: 13 Aug 2010
Location: UK
Posts: 14478
digitaljunior wrote:
I love my new M&S card - 19months 0% on purchases and balance transfers and £30 voucher for using it once
American Express is even better - had loads of offers from them including £125 M&S vouchers at xmas and currently £5 credit for £50 fuel at ESSO.
Agree, AMEX is brilliant. Points mean nice prizes We put all our household and holiday spending on it and because its a charge card we clear the balance off every month. D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
2nd Dec 2015 4:42 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73121
maplecottage wrote:
Tesco Credit Card for all the normal monthly stuff - food, diesel etc etc.
Always pay it off in full, always use my points for a free EuroTunnel crossing each summer
Steve
Same here, get "free" Chunnel crossings. Unfortunately that's not going to be as good from end of last month due to some EU ruling or other.
2nd Dec 2015 5:36 pm
J77
Member Since: 03 Mar 2008
Location: Fife
Posts: 6271
Don't have credit cards other than big purchases, the Disco etc everything is payed up front.
Being a Scotsman every penny is a prisoner. Being charged to take my own money out would brake my heart, though it's not often I pay cash it's all done by the debit card, I've yet to try Apple Pay.23.5MY Defender 90 X-Dynamic SE D250 MHEV Pangea Green
Credit Cards some years ago with having an overdraft also
I have had an American Express card for at least 35 years....its a Charge Card
It works very well...
whatever you spend has to be paid off in full otherwise you get penalties...
BUT...
you are massively protected on purchases..
Its very secure...
I have a limit set that if we try to buy I get a phone call "instantly" to check all is OK
we get massive travel & PA insurance...that does pay out unlike many others
The concierge service is brilliant in an emergency..
& I get points..currently sat at 420,000
M&S I wouldn't bother...there are better if you look around...BREXIT - done properly.
Right now ...We need Government - not Politics
Save the Dipstick Flagbearer-keep it simple, less likely to fail campaign-agenda items:Starting Handles, Acetylene Lamps.
Founder: Dipsticks-R-Us Inc
D3 HSE-perfectly formed, passenger friendly...has real DIPSTICK
Jag XK-but sadly no DIPSTICK...HUGE design fault
FL2 has DIPSTICK..."real comfort in rear seats"
VW Golf wondermobile (?)..has real DIPSTICK
Morris Minor..original DIPSTICK technology..and a real KEY.
4th Dec 2015 6:50 am
J77
Member Since: 03 Mar 2008
Location: Fife
Posts: 6271
I agree they do have benefits and if all paid off at the end of the month then there are no penalties.23.5MY Defender 90 X-Dynamic SE D250 MHEV Pangea Green
4th Dec 2015 11:16 am
Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
digitaljunior wrote:
AMEX - I really don't care what they charge the retailer to be honest.
The rewards are excellent in either direct credit to your account as in current fuel offers or past offers when you spent £60 at supermarket you got £25 credit back.
Got £125 M&S vouchers at Xmas as well from them which was nice.
You won't be saying that when you've just brimmed your Disco and then find the garage doesn't take it. Ask me how I know
SWMBO owned a shop and refused to take it. Small margins and American Express just don't work well together!!
I'm a debit card person. Being self employed it makes life easier for the accountant, or so SWMBO tells me Discovery 4 HSE
SDV6
2015
4th Dec 2015 11:34 am
James W
Member Since: 27 Mar 2008
Location: Riyadh, KSA
Posts: 3079
Be prepared to see your points schemes tumble - The PSR's Interchange Fee Regulation comes into force on the 9th of this month. MC and Visa Credit Card interchange income will be capped at 0.3% - You may have already seen your Tesco Clubcard Credit Card points being halved. It greatly affects the economics behind retail rewards schemes.
JamesD4 XS, gone, much loved, never forgotten
2018 FFRR SDV8 Autobiography - Gone to someone with less sense and more time to enjoy it
2016 Toyota Hilux Invincible - Liberating experience
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
We put all our household and holiday spending on it and because its a charge card we clear the balance off every month. 
