Credit Card Freebies Article Discussion Area

peterlyall

I am new to this forum, so just testing that I can post.

Peter

grahdenn66

I started with a standard Natwest card which was upgraded to a Natwest Gold card. We have spent a lot on it over more than 15 years but my letter does say I'll have to pay £3 a month to join the new scheme.i think its too costly

swisslookertwo

Help URGENTLY

I think I might have made a huge mistake I have signed up for a First Millenium Platinum Card thinking it was a credit card until this arrived:
Congratulations! You are approved!

£5000 Unsecured First Millennium Platinum Merchandise Credit Line from E-Credit Plus!

FIRST MILLENNIUM PLATINUM SHOPPING CARDS are issued with:
NO Credit Check - NO Interest Charges

Remember, this one-time Fee (£99.95 Membership Fee) will appear as an entry by E-Credit Plus on your bank statement and entitles you to receive your £5000 Unsecured First Millennium Platinum Shopping Card for use exclusively at the E-Credit Plus Catalog. This amount will be deducted as soon as one (1) business day. So don't forget to deduct this amount from your bank account. Please allow 14 to 21 days for processing and receipt of your New Unsecured First Millennium Platinum Shopping Card. Remember, the first monthly debit of £4.95 for your monthly membership fee will be deducted as soon as thirty (30) days. If you have any questions regarding your account, please contact E-Credit Plus at 0808-234-2355 or by e-mail at memberservices@ecreditplus.co.uk. Please add this e-mail address to your white list or approved senders list. Thank you and Congratulations again!


Martin what the hell have I signed up for is it a credit card or what please help surly I can cancel as quick as I applied. I only applied so I could book a holiday oh my god what have I done they are going to take a hundred pounds off me straight away.

Please Can You Answer Urgently please - Thanks Swiss

flyingflea

swisslookertwo wrote: »

Help URGENTLY

I think I might have made a huge mistake I have signed up for a First Millenium Platinum Card thinking it was a credit card until this arrived:
Congratulations! You are approved!

£5000 Unsecured First Millennium Platinum Merchandise Credit Line from E-Credit Plus!

FIRST MILLENNIUM PLATINUM SHOPPING CARDS are issued with:
NO Credit Check - NO Interest Charges

Remember, this one-time Fee (£99.95 Membership Fee) will appear as an entry by E-Credit Plus on your bank statement and entitles you to receive your £5000 Unsecured First Millennium Platinum Shopping Card for use exclusively at the E-Credit Plus Catalog. This amount will be deducted as soon as one (1) business day. So don't forget to deduct this amount from your bank account. Please allow 14 to 21 days for processing and receipt of your New Unsecured First Millennium Platinum Shopping Card. Remember, the first monthly debit of £4.95 for your monthly membership fee will be deducted as soon as thirty (30) days. If you have any questions regarding your account, please contact E-Credit Plus at 0808-234-2355 or by e-mail at [EMAIL="memberservices@ecreditplus.co.uk"]memberservices@ecreditplus.co.uk[/EMAIL]. Please add this e-mail address to your white list or approved senders list. Thank you and Congratulations again!


Martin what the hell have I signed up for is it a credit card or what please help surly I can cancel as quick as I applied. I only applied so I could book a holiday oh my god what have I done they are going to take a hundred pounds off me straight away.

Please Can You Answer Urgently please - Thanks Swiss

swisslookertwo, you have already posted this in the other First Millenium Platinum Card thread. All the information about the card is there. It is not a credit or deposit card, it is simple a card that allows you to purchase overpriced items from their own shopping company. Just cancel the card on 0808-234-2355 but bare in mind there may be a £14.99 cancellation fee.

gttltzy

<3333333333

soft_touch

Hi All,

Sorry if this has been discussed in a previous area, just thought I'd flag up here !

I followed the headline "best rewards card to use" from the main site and thought after reading the blurb to get an Amex reward card (£30 in rewards for opening !).

It's only after I've started using the card, and made my first purchase on the thing that I've now found out it costs £23.50 to join the Amex rewards program (and it is an annual fee !!!!), and the only vouchers you can obtain off Amex are in £25 pound bundles, meaning you make £1.50 out of using this card.

Please do tell me if I'm wrong, but this in now way should be highlighted as the best buy option in the main site. I'd much rather use either the tesco card or play card which give you a larger free period to pay off the balance and also does not cost you anything when you wish to cash in your rewards.

... must admit that I am somewhat perturbed that the main site can state the Amex card is a best buy with this kind of hidden loading on the card ...

brib_2

Just a word of caution re the TSB/AMEX Airmiles card, yes you do get a lot of airmiles per pound BUT just try and use it in the UK. Virtually every where that I have tried I have had the same 'sorry but we do not take the TSB/AMEX due to the prohibative charges' comment and I have had to use the 'other' TSB Airmiles card with much less airmiles for my purchase. I was going to send it back but I was informed that OK to use in the USA, trouble is I cannot earn enough airmiles to get there to use it!!!!!

CannyJock

brib wrote: »

Just a word of caution re the TSB/AMEX Airmiles card, yes you do get a lot of airmiles per pound BUT just try and use it in the UK. Virtually every where that I have tried I have had the same 'sorry but we do not take the TSB/AMEX due to the prohibative charges' comment and I have had to use the 'other' TSB Airmiles card with much less airmiles for my purchase. I was going to send it back but I was informed that OK to use in the USA, trouble is I cannot earn enough airmiles to get there to use it!!!!!

You presumably haven't tried in any of the major supermarkets?

The point of the Amex Duo is that you get an Amex card and a Mastercard for the same account. You get 1 airmile per £10 spent on the Amex and 1 airmile per £50 spent on the Mastercard - so obviously you always offer the Amex card and if you find they don't take it (IME independent retails don't take Amex because of the Merchant Fees and the way Amex hold onto money before paying them) you just give them the Mastercard instead.

I've had one since it was launched, sitting with about 4000 miles at the moment. The miles don't rack up as quickly as you'd like, but it's something for nothing.

brib_2

Hi there CannyJock,
Yes I have tried it in the few of the Major supermarkets near us and had the same answer and 'by the other card' I meant to say the MasterCard part of the Duo. It was for larger purchases that I thought I would rack up the points but the retailers would not accept the AMEX card. It is a catch 22 situation of find the item cheaper but no AMEX card or pay more for the item to get the Airmiles.:(

Troubled82

Hey all,

Just had a quick question on Air miles.

if i sign up to this The Lloyds TSB Airmiles Duo Credit Card Account can i use the voucher for flight for myself and a friend or do the miles on apply to me?

Cheers in advance,

Si.