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Introduction, MF wannabe

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  • Thanks SSS, I guess another day or two and things should be a fair amount clearer.

    MSE related, does anybody have any experience with the MBNA 1.5% cashback credit card?
    https://wwwa.mbna.co.uk/apply/UKCCapp/Ctl/entry?sc=7amcbfeb1_sax&mc=ECO-UK-33333-13139

    The cashback comes off your bill at the end of the year yeah? it is 1.5% on supermarkets, any idea if that is online as well as instore?

    Mortgage free - 01/05/2019, mortgage high £200k 2011
  • Iris_Blue
    Iris_Blue Posts: 1,421 Forumite
    "The higher cash back earn rate of 1.5% can only be earned at retailers categorised as supermarkets or petrol stations with the payment network on which the card is issued. At the time of writing they included the physical and/or online grocery stores of Tesco, Sainsbury’s, Asda, Morrisons, Waitrose, Ocado, the physical stores of Iceland and Somerfield, and BP, Shell, Esso, Texaco, Q8, Jet and supermarket petrol stations, but excluded Marks and Spencer, Tesco Direct, Tesco Homeplus, Farm Foods and Spar and all other retailers, which will earn the lower cash back rate of 0.75%. Full terms and conditions of the cash back programme will be sent to you once your account is opened"

    This is in the T&Cs so yes but its a lower rate.
    I can't be bothered updating this anymore
  • Iris_Blue wrote: »
    "The higher cash back earn rate of 1.5% can only be earned at retailers categorised as supermarkets or petrol stations with the payment network on which the card is issued. At the time of writing they included the physical and/or online grocery stores of Tesco, Sainsbury’s, Asda, Morrisons, Waitrose, Ocado, the physical stores of Iceland and Somerfield, and BP, Shell, Esso, Texaco, Q8, Jet and supermarket petrol stations, but excluded Marks and Spencer, Tesco Direct, Tesco Homeplus, Farm Foods and Spar and all other retailers, which will earn the lower cash back rate of 0.75%. Full terms and conditions of the cash back programme will be sent to you once your account is opened"

    This is in the T&Cs so yes but its a lower rate.

    Thanks Iris,
    I must have read that bit too fast the first time I didn't notice the physical/online bit.....doh!

    Think I will have to get myself one of them then. Every little helps and all that.

    Mortgage free - 01/05/2019, mortgage high £200k 2011
  • Iris_Blue
    Iris_Blue Posts: 1,421 Forumite
    It's o.k, I scan read everything!

    I'm sorry I don't know the answer to your other question though. I've never used a c/b card, but plan too.

    How's things?
    I can't be bothered updating this anymore
  • Iris_Blue wrote: »
    It's o.k, I scan read everything!

    I'm sorry I don't know the answer to your other question though. I've never used a c/b card, but plan too.

    How's things?

    I have several small steps that I should be taking but keep on delaying and cb cc is just one of them!

    Trying to carry on as normal, so DS is back to nursery tomorrow and hopefully I will have a full day at work (got plenty to catch up on). Hopefully end of the day DD will have had her heart and brain scan and the fits and heart rate will simply be linked to whooping cough and nothing more.

    Mortgage free - 01/05/2019, mortgage high £200k 2011
  • Iris_Blue
    Iris_Blue Posts: 1,421 Forumite
    You have a lot on your plate at the moment though so that's to be expected.

    Fingers crossed for you all that she's ok. Poor little thing.
    I can't be bothered updating this anymore
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hope all goes well with little 'un today.

    gg x
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • SAHMto2boys
    SAHMto2boys Posts: 181 Forumite
    Just got caught up on your news, how awful for you all. My DS had a spell when he was 6 weeks of forgetting to breathe and stayed in for a week having various tests and monitoring so I empathize with you. Hope all works out okay xx
    Trying to do one positive thing (however how small) per day to be mortgage free/reduced and be frugal but still enjoy life!
    Debt LBM Feb 2010 = £7841.97/ now £0, MFW 2011 = £9k in savings
    MFW target 2012 to save £11,000 for Over Payments/fill ISA's and reduce lots of things - outgoings, alcohol, waste, weight
  • keza
    keza Posts: 1,311 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Was just reading through some of your diary after you posted on mine yesterday very kindly and just wanted to send my well wishes to your DD. what an awful time for you, and i really hope she gets better soon xx
    Current Mortgage balance - £363,785.35/£420,000 (highest point Oct 2022).
  • Brodiebobs
    Brodiebobs Posts: 1,032 Forumite
    Part of the Furniture 500 Posts
    thoughts are with you and your family LP. x
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