Got my first CC, do any shops charge extra for using it?

Legacy_user

I know that withdrawing from cash machines can mean fees.
What do any shops charge extra fees for using it?

Eg, when I was going to pay my car insurance, it was £5 more to pay by CC but not fee for by Debit Card.

Fruit_and_Nut_Case

Some, usually smaller, shops charge say 50p if you spend less than a fiver or so, as it eats in to their profits to accept CC payments.

They normally have a sign warning you of this.

Disambiguative_Shopper

There is a wide range of fees and charges depending on retailer. Many charge nothing for a basic Visa/MC purchase but do have a 5 pound minimum spend. NEVER withdraw cash, it really isn't worth it with interest being paid immediately and cash advance charges of up to 5% loaded on top.

Always try to clear the entire balance at the end of the month to avoid over paying interest.

Shopping on the internet is safer with a credit card because all purchases over 100 pounds are protected against being conned.

Tixy

Watch out for paying for gambling transactions by credit card - eg online gambling sites, as these will be charged as cash advances by most credit cards.

c-m

Disambiguative_Shopper wrote: »

Shopping on the internet is safer with a credit card because all purchases over 100 pounds are protected against being conned.

Does that include prepaid cards?

Tixy

c-m wrote: »

Does that include prepaid cards?

Not most of them - one does include a similar form of protection, thats the cashplus card, which has a monthly fee - see the 'how to get protection without a card' bit of this article http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

Actually they are not really protection against a person being conned - but they offer you protection if the merchant doesn't supply what you paid for.

System

thanks guys. I am going to try stoozing. My first credit card was actually through my bank - Halifax. I really want a Tesco credit card because of clubcard points, so need to build some kind of rating first (don't know if stoozing is good or bad for this)