What Constitutes as a purchase?

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! :D


  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    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 Posts: 41,865 Forumite
    Combo Breaker First Post
    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
    jd87 Posts: 2,345 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    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
    izools Posts: 7,513 Forumite
    Combo Breaker First Post
    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 :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • Fiddlestick
    Fiddlestick Posts: 2,339 Forumite
    izools wrote: »
    Best to push for paying solicitor by card :o

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