MBNA New purchases.

Rupert_Bear

I have been offered 0% on all new purchases until April 2010 and no fee.
The council I am with allow me to pay my council tax by credit card and am not usually charged a fee for doing this.

Without going into my reasons for doing this do you think MBNA would consider this as a new purchase.

Thanks,
Rupert

cifpower

Yes they would

NickX

Well I always pay my council tax on a 0% Purchase Credit Card. No fee for doing so, great for stoozing.

td_007

Rupert_Bear wrote: »

I have been offered 0% on all new purchases until April 2010 and no fee.
The council I am with allow me to pay my council tax by credit card and am not usually charged a fee for doing this.

Without going into my reasons for doing this do you think MBNA would consider this as a new purchase.

Thanks,
Rupert

It is ok to be considered as 0% purchase. Remember as well that if you are setting up a continuous payment authority then you will have get in touch with the council and request them to cancel the CPA when your 0% time is up.

NickX

td_007 wrote: »

It is ok to be considered as 0% purchase. Remember as well that if you are setting up a continuous payment authority then you will have get in touch with the council and request them to cancel the CPA when your 0% time is up.

Probably best not to set a CPA, they can be a pain to cancel.

I just phone up my local council once a month to make the payment. Been doing it for years.

Chomeur

I've been offered the same, but my council now charges a supplement for payment by credit card. Anyone have any other ideas for how to take advantage of this? Apart from actually buying something I wouldn't otherwise buy of course.

Moggles_2

Chomeur wrote: »

I've been offered the same, but my council now charges a supplement for payment by credit card. Anyone have any other ideas for how to take advantage of this? Apart from actually buying something I wouldn't otherwise buy of course.

Some water & sewage companies accept credit card payments, as do electricity & gas suppliers. You can also pay your home insurance and telephone bills by credit card, not to mention food and petrol.

pmcg01

Rupert_Bear wrote: »

I have been offered 0% on all new purchases until April 2010 and no fee.
The council I am with allow me to pay my council tax by credit card and am not usually charged a fee for doing this.

Without going into my reasons for doing this do you think MBNA would consider this as a new purchase.

Thanks,
Rupert

Depends on how the council process it. It may be treated as a cash advance, which will have whopping fees and whopping interest.

chattychappy

pmcg01 wrote: »

Depends on how the council process it. It may be treated as a cash advance, which will have whopping fees and whopping interest.

Are you sure? I would be amazed if any merchant could put something through as a cash advance unless it is a bank offering cash/cash-like transactions OR a gambling outfit.

Chomeur

Moggles wrote: »

Some water & sewage companies accept credit card payments, as do electricity & gas suppliers. You can also pay your home insurance and telephone bills by credit card, not to mention food and petrol.

Thanks. Trouble is the card is American Express which a lot of companies don't accept. I've bought a Sainsbury's gift card and put £300 on that, but my phone and Internet supplier (Virgin) doesn't take AmEx, I don't think my water supplier (Thames Water) does, and I get a direct debit discount with my electricity and gas supplier (Scottish Power) which I'd lose if I did this. So perhaps I'll just leave it at that.