Top Cashback Cards Discussion Area

ryoko

Not heard this one mentioned on the forums but the Leeds Building Society Card is doing 1% cashback till 30th June 2009 and then 0.5% thereafter. Seems slightly better than the raft of 0.5% cards at the moment.

http://www.leedsbuildingsociety.co.uk/creditcard/find_out_more.html

Kavanne

ryoko wrote: »

Not heard this one mentioned on the forums but the Leeds Building Society Card is doing 1% cashback till 30th June 2009 and then 0.5% thereafter. Seems slightly better than the raft of 0.5% cards at the moment.

http://www.leedsbuildingsociety.co.uk/creditcard/find_out_more.html

Haha just tried to apply and got an error off barclaycard :rolleyes:

mskhan85

Quote:
Originally Posted by pcyam
currently pay for the following via credit card with no extra surcharge

-food
-water (pay at a local petrol station and get loyalty points):j
-landline phone (as above)
-electric and gas (as above)
-tv licence (as above)
-lottery (as above)
-council tax
-mobile phone
-broadband
-mortgage
-voluntary Student loan payments

cant think of anything else.


Would all of these payments be valid for the 1% cashback on the egg money card - particularly loan repayments - 1% on these would be quite significantly and add up.

ilikepoints

Can anyone explain the pros and cons of teh amex cashback card please

I always pay it off on time i msot want teh 12 months extended warranty on electrical items.

johncolescarr

Hi,

I'm afraid there are no hard and fast rules for getting accepted for credit. Each lender has their own criteria against which you are assessed. They cannot do this on an individual basis so they cannot take into account your individual circumstances.

However, you are right that having lived at an address for a while and also being on the electoral roll are seen as positives. Since you do not have this on your application the first time round could make a difference. You say you own your own home and manage credit well, which is also beneficial. However, a credit company will also asses you on previous dealings, which in your case could be against you as you mention a couple of defaults. However, I am unsure as to whether this will also apply for a company credit card, but I guess it does.

Finally, a number of credit applications close together can be detrimental. Also, you have to remember that in todays economic environment, anything less than a tip top credit profile is not going to get you the best credit.

My advise would be to leave your application for a while, say 6-12 months, then check your perceived credit profile on moneysupermarket website and then re-apply to the best deal. In my opinion, you are unlikely to get accepted so close to your previous application.

Hope this helps

John

Note: this was in response to a previous message, quote not worked and cannot find the user ID! Sorry

johncolescarr

ilikepoints wrote: »

Can anyone explain the pros and cons of teh amex cashback card please

I always pay it off on time i msot want teh 12 months extended warranty on electrical items.

Hi,

Pros are you get cash back on all your spending, you get insurance on any purchases over £100 (like all CCs). If you pay it off in full, without fail every month then this is a no brainer.

Cons are, bonus payment lasts for only 3 months, then reverts to a lower, tiered cash back. It is worth getting for the introductory period alone in my opinion. Also, AMEX isn't accepted everywhere, so it may be worth getting a backup cashback card for this.

Finally, for a long term card, there may be some deals that offer you better cashback. For example, a 1% flat rate (long term) card gives more cashback if you spend less than £12k per year, if you spend over this amount then AMEX wins out.

John

lindos90

Beginning to wish I'd never got an amex cashback card.

My mobile and land line is being inundated by calls from american express 0845 6023497 it rings twice and then stops, or hangs up when I answer.

Its automated calls I guess, but I thought there was new legislation about restricting this now?

Twice at work today on my mobile, three times this evening on my land line.

We have called up about it, but its made no difference.

pcyam

mskhan85 wrote: »

Quote:
Originally Posted by pcyam
currently pay for the following via credit card with no extra surcharge

-food
-water (pay at a local petrol station and get loyalty points):j
-landline phone (as above)
-electric and gas (as above)
-tv licence (as above)
-lottery (as above)
-council tax
-mobile phone
-broadband
-mortgage
-voluntary Student loan payments

cant think of anything else.


Would all of these payments be valid for the 1% cashback on the egg money card - particularly loan repayments - 1% on these would be quite significantly and add up.

Sorry I dont have the egg money card, I pay for all the above on a normal 0% purchase/ cashback credit card.

Synonymous

I'm thinking of getting the Leeds Building Society
Card which somone pointed out earlier. Does anyone know of a cashback site doing cashback for this card? I've had a look around my usuals but can't find anything. Cheers.

steviehud37

help please!!

I am thinking about getting a Abbey card (3% petrol/supermarket) could anybody tell me if after 6 months it goes to 0% cash back?

Av got an egg card do you think i can pay my Mortgage on it? (My Mortgage is with Nationwide)???