Credit card cheques - name and shame

neil40

Moggles wrote:

All is clear now, Neil

Your Capital One cheques are treated as purchase transactions. Providing you settle your monthly credit card bill in full and on time, you incur no interest charges.

Offers like that don't come along very often. Also, it's unusual for a credit card company to honour special rates two years after the promotion has ended. Most special offers have a cut-off date embedded somewhere in the accompanying Ts & Cs.

It sounds as though you've got the timing to a fine art and have milked the offer for all it's worth!

Yeah i know.Might as well get my own back on cc firms when i get the chance!.Lol

Moggles_2

How many cheques did C1 send you?

neil40

Moggles wrote:

How many cheques did C1 send you?

About 6 books of approx 5 cheques in each.

Moggles_2

Oddly enough, I can feel a credit card application coming on.

Very best
M

YorkshireBoy

Moggles wrote:

Oddly enough, I can feel a credit card application coming on.

Before you get too excited, my wife is in month 16 of her 18 month (fee-free ) Capital One introductory period and all she's ever had are 'S' (cash rate) cheques.


EDIT: Capital One have a really useful :rolleyes: identification system for their cheques...

B - for Balance Transfer rate, and
P - for Purchases rate, and
S - for caSh withdrawals rate

Moggles_2

Oh well (sigh). It was nice while it lasted.

VeryTrying_2

Like YorkshireBoy's wife, my eighteen month 0% balance transfer is up in November. I've never used it except for the original balance transfer. About May this year, CapitalOne sent me one cheque (code which I used for £3k just to put money into my current account. There was no transfer fee and no interest until November ..... when of course it will be paid back, together with the balance of the original BT.

Moggles_2

Thanks for your feedback

Cheers
M
:beer:

judip

i know what you mean about virgin, unbelievably they sent me a new credit card AFTER i'd closed my account!!!!!