credit card in belfast

rachel_green

Hello

I'm looking for a credit card that gives me something back and an account can be paid in full easily each month in person somewhere in belfast city centre (a branch or shop)

My current card offers cash back and can be paid in A&L but due to sandtander changes I can either keep using this card but have to pay online (or set up a direct debit)
or switch to the new one they will offer which doesn't have money back.

Neither of these options appeal as I use my credit card like one would use cash except with cashback abeit small percentage I effectively get a small discount on things

I only use my card only for big things (insurance, flights etc) and always pay in full, so 0% interest is of no use to me.

Can anyone recommend a credit card where it costs me nothing but I get something from using it.

thanks

irishjohn

Why not go for any of the loyalty cards, air miles, easyjet, tesco etc etc and pay it with a cheque in a city centre branch of a bank.

peterdoherty

erm why not set up a direct debit to pay our card in full each month (and lodge the cash to your account if needed)

Sor

You could check out bank of ireland. They offer some cashback - 0.5% cashback on £15,000 spending. '3rd best cashback card on Martin's non-amex list'
http://www.moneysavingexpert.com/cards/cashback-credit-cards
(Don't know exactly about the Barclays one, but Egg is completely online, no paper-bill etc, though its better than Barclays if you spend £4400 or more per year)

I'm assuming, with the bank of ireland one, you could pop in and pay in the bank.

seatzie

peterdoherty wrote: »

erm why not set up a direct debit to pay our card in full each month (and lodge the cash to your account if needed)

totally agree, either direct debit for full amount or log on to the credit card site and pay with your debit card, online banking cuts out the need for the branch visit

rachel_green

Sorry i wasn't very clear earlier, I like visiting a branch handing the money over, having a receipt and knowing that the bill is paid. Also setting up a direct debit from one account means still having to check that there is enough money in that account.
And checking whether or not other direct debits have been paid yet.
If I need to make a deposit into the account then that increasing the lenght of time of the process (with clearing etc)

I don't do any banking online now, got my fingers burnt before!

Marks and spencers do a reward/credit card that I can pay in store so might investigate that further

Thanks

jenheiffer

rachel_green wrote: »

Marks and spencers do a reward/credit card that I can pay in store so might investigate that further

That's the only one I know of that you can pay in store, though they don't take cheques, just cash or debit card.

seatzie

like I said before an online credit card, you pay it when you have the cash with your debit card on their online screen, it tells you on screen you have paid it - click print, it also sends you an email confirming you have paid it - again click print if you wish - one payment, one receipt, no leaving the house

36square

rachel_green wrote: »

Also setting up a direct debit from one account means still having to check that there is enough money in that account.

But surely you have to have enough money in the account to withdraw the cash to pay off the credit card balance?
It sounds as if you might be happier without a credit card altogether.

peterdoherty

36square wrote: »

But surely you have to have enough money in the account to withdraw the cash to pay off the credit card balance?
It sounds as if you might be happier without a credit card altogether.

exactly what i was thinking!

seatzie

36square wrote: »

But surely you have to have enough money in the account to withdraw the cash to pay off the credit card balance?
It sounds as if you might be happier without a credit card altogether.

unless she keeps a stash of cash under her bed lol