What Constitutes as a purchase?

emma21994

I am currently selling my house as I have bought a new one, so at the moment my money is tied up in the equity of the old house. I have just got a credit card with 0% interest on purchases for 12 months but I dont know what will constitute as a purchase? If I used the card to pay a solicitors bill for the house then will this be a 'purchase' or is it simply material things such as the new sofa etc? Thanks for any help!

[Deleted User]

Solicitor's bill is a purchase as you're buying a service. Most things are, except where you are withdrawing cash, directly or indirectly. So out of an ATM, or gambling, or loading a prepay card for example.

Speaking of 'material things', don't forget the cushions for your sofa.

CLAPTON

will the solicitor accept payment by CC?

emma21994

Thanks ZX, Im not sure if my CC comes with a cheque book-if it does then will a cheque for solicitor still be a purchase? Im so confused!
The cushions will have to wait- I havent decided on the colour of the sofa yet!

jd87

What credit card is it? Only a very few come with cheques these days. If you use a cheque then that won't qualify for 0% purchase.

izools

Yes if your solicitor won't take payment by card try to avoid paying by cheque.

One way to get cash from a credit card at a 0% purchase rate is to add it to your paypal account, paypal a trustworthy friend / family member the funds you need using your credit card, and ask them to withdraw their paypal balance and give it to you.

Can take a week or so and both of you must know what you're doing save it from going wrong.

Best to push for paying solicitor by card

Fiddlestick

izools wrote: »

Best to push for paying solicitor by card

Do you reckon if the solicitor is crap/useless and he charged more than £100 you could file a dispute with the card company?