credit card in belfast

purt

Would you like your credit card to make you your tea in the morning too?

jenheiffer

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.

But Direct Debit takes out the cash when they decide. If you pay it yourself in person then you can check first that the money is there at that moment in time.

rachel_green

seatzie wrote: »

unless she keeps a stash of cash under her bed lol

I have more than 1 bank account and more than 1 source of income funding these various accounts.

But since as I have previously said, I only use the card only for big things, most recently flights and hotels (approx £1400) and car insurance (£350), about £1700 all coming out of 1 account in the same month - if I set up a direct debit what about the following month and this account?

"It sounds as if you might be happier without a credit card altogether."

Why would I be happier without a credit card altogether? I don't get this?
I use a credit card because of the advantages it offers, purchase protection and of course many Hotels require a CC as a deposit when checking in.
And pretty much the major disadvantage of a CC is the interest charged which has never applied to me as I pay in full, regardless of the amount, each month.

As I said in my first post:
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)

rachel_green

seatzie wrote: »

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

And as I said before:

rachel_green wrote: »

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

rachel_green

jenheiffer wrote: »

But Direct Debit takes out the cash when they decide. If you pay it yourself in person then you can check first that the money is there at that moment in time.

Spot on explanation Thanks

jenheiffer

I understand your problem completely. Why should people who don't want to have DD or online banking be forced into it? That's the way things seem to be going.

36square

jenheiffer wrote: »

I understand your problem completely. Why should people who don't want to have DD or online banking be forced into it? That's the way things seem to be going.

Because it's more expensive to process cash or cheques. Ideally, the banks should impose charges on people who insist on using them but if they did they'd be accused of discriminating against the elderly and those who behave as if they were.
People using relatively sophisticated products like credit card might reasonably be assumed to be capable of coping with direct debits and online banking.
Perhaps Rachel could tell us a bit more about her finger burning experience with online banking. My only experience of banking fraud was with good old fashioned cheques.

jenheiffer

36square wrote: »

Because it's more expensive to process cash or cheques. Ideally, the banks should impose charges on people who insist on using them but if they did they'd be accused of discriminating against the elderly and those who behave as if they were.
People using relatively sophisticated products like credit card might reasonably be assumed to be capable of coping with direct debits and online banking.
Perhaps Rachel could tell us a bit more about her finger burning experience with online banking. My only experience of banking fraud was with good old fashioned cheques.

Are these kind of patronising comments (highlighted) really necessary?

m_13

American Express offer a cashback card (and cashback for taking it out from various cashback sites) and allow payment by a wide variety of methods including at their offices:

Visit any American Express Travel Service or Foreign Exchange Office in the UK or most overseas offices. It will take approximately 5 working days for your account to be credited if the payment is made at a UK branch. If the payment is made at an overseas branch, timelines may vary. An approximate guideline of 14 days is advised.

They have an office in Belfast:

Unit 45 Bloomfield Shopping Centre, South Circular Road,
BANGOR, BT19 7HB

I'd check the process first but I've found them to be very efficient and friendly, the cashback is great but it's not accepted in 100% of places. B&Q have recently stopped accepting Amex but all the major supermarkets and most online retailers accept it no problem.

bingo_bango

Bangor.

That would be the extreme NE suburbs of Belfast then?