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Appointment With the Bank Manager
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So why do you need a credit card to do that?
Well, i have to put fuel in the tank, tolls, and no doubt we will be staying overnight somewhere on the way down.
Yes i could take cash, which i will, but not that much. No need.
And i certainly wont be using a debit card, not that there should be any problems, but id rather play it safe(r).0 -
There are some genuinely good offers out there, to say that banks mis-sell for a living is just not true. The indusrty is becoming very tightly regulated and they have to be extremely careful what they sell and about the advice they give.
There may be some good offers out there but that is purely subjective and even good offers can be mis-sold. Offers are no good to anyone unless they want them.
Mis-selling is rife and in many cases systematic. It's the principle reason for consumer protection laws and regulation - or at least it's supposed to be.
And in describing the industry as ''becoming very tightly regulated'' is a sure sign that mis-selling has become out of control.0 -
And i certainly wont be using a debit card, not that there should be any problems, but id rather play it safe(r).
Seems a bit of an overkill to get a credit card for a such a simple trip. I don't understand why you'd have to "play it safe" with something like buying petrol or a simple road toll?
And you'll be paying an extra 3% (on top of the exchange rate) on top of every Euro you spend.
Visa and MasterCard Transactions in foreign currencies will be converted into sterling the
day they are added to your account. American Express® Transactions will be converted the
day the Transaction is processed by American Express
®, which may not be the same day
the Transaction is added to your account.• We use a wholesale exchange rate set by MasterCard, Visa or American Express
®,
depending on your Card Type. You can find out the current exchange rate by calling us.• To the converted sterling amount, we add a fee of 2.95%. The sterling amount on your
statement will include this fee.Have you also checked that foreign transactions are included in any 0% deal - because if I've learned one thing abut Lloyds in the past 19 years I've banked with them......it's that the devil is in the detail. I wouldn't be surprised if foreign transactions are except from the deal. You should double check before spending. (Don't believe everything the salesman told you at your meeting - check before you assume anything).Have you honestly thought this through?
"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
Cant agree on the overkill im afraid.
Plus, no i havent thought it through yet, and if it does turn out that it will cost too much then i probably wont use it.
Doesnt really have any effect on what i do as i will still have it anyway.
Especially considering its free.0 -
Seriously - next time you want any help on products - come here.
Don't go to some dippy Lloyds salesperson who couldn't give a fig about saving you money. He's not a Bank Manager (and probably never will be).
You've wasted your time most likely going there. Lloyds are only interested in giving you a credit card as they want to make money out of you.
If you want to find out the best way of financing your way around France if money is too tight to just simply take cash for such a simple trip, start a thread on it here and get some unbiased opinons.
Yes - the credit card is a duff way of doing it. And yes, you wasted 1/2 hour (or more?) of your life with that guy from Lloyds that you'll never get back. Learn the lesson - next time Lloyds want to talk to you about your accounts, tell them to go !!!! up a rope - all they are trying to do is hook in the financially gullable - don't be one of them!"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
So you are suggesting not to go and talk to someone who is regulated by the fsa but to go on a website and ask joe bloggs off the street.
Hmm, I dont deny some joe bloggs know their stuff but to say the opinions on here are unbiased is a bit of a joke. The amount of people who have had 1 bad experience i.e someone use the wrong tone or their decision not to read their terms and conditions and then realising they dont like them and now do nothing but come on here moaning about the bank and banking industry far outweighs the people giving genuine advice.0 -
So you are suggesting not to go and talk to someone who is regulated by the fsa but to go on a website and ask joe bloggs off the street.
Hmm, I dont deny some joe bloggs know their stuff but to say the opinions on here are unbiased is a bit of a joke. The amount of people who have had 1 bad experience i.e someone use the wrong tone or their decision not to read their terms and conditions and then realising they dont like them and now do nothing but come on here moaning about the bank and banking industry far outweighs the people giving genuine advice.
by "come here" you should take that to mean MoneySavingExpert in general, not just the website.
the fact they are FSA regulated is irrelevant, they are never going to recommend any products other than their own to you.0 -
So you are suggesting not to go and talk to someone who is regulated by the fsa but to go on a website and ask joe bloggs off the street.
Hmm, I dont deny some joe bloggs know their stuff but to say the opinions on here are unbiased is a bit of a joke. The amount of people who have had 1 bad experience i.e someone use the wrong tone or their decision not to read their terms and conditions and then realising they dont like them and now do nothing but come on here moaning about the bank and banking industry far outweighs the people giving genuine advice.
This website will give you far better advice than the average Lloyds salesperson any day."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
Maybe so - but just ask to pay £1.00 on the card and the rest in your usual payment method. Even paying a nominal amount of the purchase on your credit card will get you Section 75 protection, so long as the OVERALL PURCHASE is over £100.For paying for a holiday with a credit card.
Most travel companies will charge you 2.5% - 3% for the privilege.
I always do that on purchases over £100, and it's paid off.0
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