How can i pay the plumber.....??

bagz_2

Looking at installing a new central heating system. Ive looked at the bigger firms who can you offer finance and accept credit cards etc, but the cheaper quotes are from the local plumbers.

The problem is the local plumbers only accept cash or cheque.

Is there a way i can use my credit card to pay for this without incurring any charges such as for cash withdrawls etc????

McKneff

Bank loan, instead of a credit card.

bigadaj

Notwithstanding the fact your post sounds like the opening line to a !!!!!! film....

In the situation you describe you aren't going to be able to do it for nothing. Best option might be to apply for a zero per cent card from a firm that allows super balance transfers, ie send cash to your current account that you can then pay the plumbers with. There will be a typical three per cent fee, but if you get nought per cent over a year or more it's still pretty cheap credit, you'll likely need a good credit file though.

Gromitt

bagz wrote: »

Looking at installing a new central heating system. Ive looked at the bigger firms who can you offer finance and accept credit cards etc, but the cheaper quotes are from the local plumbers

Whose quotes are lower because they don't factor finance and paying with credit cards into the quote

It's possible to pay yourself via Paypal with a CC if you really want to, expect a 3.5% charge for doing so (ie, what the bigger firms will be charged for accepting your CC). Some CC issuers also allow transfers to a bank account for 4% or so.

bankhater_1965

McKneff wrote: »

OP, no need for abuse. And the C word is extremely offensive.

If you post stuff on a public forum you are going to get all sorts of replies. The best way is to ignore or up your understanding and use of the English language so you can reply appropriately. Abuse is not tolerated on these boards, you should read the rules.
And for what its worth, the post you did reply to was also not called for.

are you saying paying by cash or cheque with you own money instead of getting into debt , using other peoples money to pay for something that you want is uncalled for ,!!!! unbelievable

bagz_2

Thanks for the input guys (1 exclusion ;-) )

Was just looking for a possible loophole to get it on on an interest free credit card. Appears there isnt one. I'll just pay cash for it.

Thanks again

Lost2

Have you asked your local council
sometimes they have schemes to help

McKneff

bankhater_1965 wrote: »

are you saying paying by cash or cheque with you own money instead of getting into debt , using other peoples money to pay for something that you want is uncalled for ,!!!! unbelievable

So you have never, ever borrowed money or hire purchase for a car, a suite, a house, not ever.

bagz_2

McKneff wrote: »

So you have never, ever borrowed money or hire purchase for a car, a suite, a house, not ever.

Shame on anyone who ever has

webbhost

find a trusted friend making a big purchase or payment.. pay it for them with your credit card and have them give you cash in hand. (or a few smaller transactions)

saves the cash withdrawal fee, and protects your friends purchase too.

At your own risk like, dont blame me / us if it goes wrong but just giving you a suggestion.

izools

bagz wrote: »

I may be better off just withdrawing the cash from a credit card

Yeah sure absolutely paying circa 25% APR on a cash advance from a credit card would leave you far better off than paying circa 6.9% APR on a personal loan, damn right.

Dear oh dear...

Now even though you've been quite rude and defensive I'll still point out the best way to accomplish what you want is to obtain an MBNA or MBNA Backed credit card like Virgin and arrange on the application form for a "Cash balance transfer". This will pay funds in to your current account at 0% APR for the promotional period.

And set up a DD for the minimum payment the second your card arrives to avoid any possibility of losing the 0% rate.