Please explain stoozing

zerog

YorkshireBoy wrote: »

whereas with Tesco you can wait for double up promotions in-store/online or even exchange the points for 3-4 times face value at selected 'partners' via their Tesco Deals scheme. And 4 times face value is (at least) 4% 'cashback'.

... as long as you would actually eat at Pizza Express (etc.) at their normal prices, otherwise it becomes whatever you think the reward is actually worth.

YorkshireBoy

zerog wrote: »

... as long as you would actually eat at Pizza Express (etc.) at their normal prices, otherwise it becomes whatever you think the reward is actually worth.

True.

I've had a couple of Cosmos holidays through them...one at 4x and the other at 3x face value.

I didn't save that much though, since I had to pay brochure prices, but from memory I did at least 3x and 2x respectively. But I thought it was worth it.

Plan to do the same again next summer (it's a 2 year 'save' for me) as long as they don't move the goalposts too much in the meantime!

aleph_0

YorkshireBoy wrote: »

Re 'combined' cards, you're really limited to Tesco & M&S (for reasonable 0% durations). With M&S you're limited to spending the cashback (in the form of M&S vouchers) in store, whereas with Tesco you can wait for double up promotions in-store/online or even exchange the points for 3-4 times face value at selected 'partners' via their Tesco Deals scheme. And 4 times face value is (at least) 4% 'cashback'.

Um, not quiet. The Tesco Credit Card gives 1 point for every *£4* spent (on top of the usual clubcard points, if applicable, ignoring the higher rate on petrol). So this is 0.25% taking things at face-value, or 0.5% when doubled up in store, or up to 1% (well, occasionally 1.25% on a "5x value" short term deal) with Tesco Deals.

Other observation: Tesco give points per transaction, rather than per statement (i.e. if all your transactions were below £3.99 you would get no Credit Card points).

(still makes tesco a good combined card, just not as good as you made it sound )

YorkshireBoy

aleph_0 wrote: »

(still makes tesco a good combined card, just not as good as you made it sound )

Sorry, got a bit carried away on a personal level as most of my monthly spending is done with Tesco.

Cpu2007

Honestly,I don't feel like having a cashback that does give me points like tesco points and similar stuff as then I'm restricted on where I can use them.

However if im not wrong, with tesco you earn points in addition to cashback return is that correct?

Has anyone tried santander? it sounds a good deal, especially becaue petrol is one my major spendings.

iclaudius_2

This is playing with fire you all. Better off staying clear if cards all together. You only need one bad month in 12 to lose that interest gain.

rb10

Cpu2007 wrote: »

However if im not wrong, with tesco you earn points in addition to cashback return is that correct?

With Tesco you get Clubcard points, no cashback.

Cpu2007 wrote: »

Has anyone tried santander? it sounds a good deal, especially becaue petrol is one my major spendings.

The Santander 123 credit card and current account are both excellent products. Just make sure your spending/direct debit amounts generate sufficient cashback to cover the monthly fee (most people's will).

Cpu2007

rb10 wrote: »

With Tesco you get Clubcard points, no cashback.



The Santander 123 credit card and current account are both excellent products. Just make sure your spending/direct debit amounts generate sufficient cashback to cover the monthly fee (most people's will).

yes, for those who don't know, 123 santander has a deal where you get your annual fee back; so even if I'd have paid for it, I'd got more cashback than the annual fee but getting an annual fee back is a bonus

I'll try to apply for this now

Thanks

akamustang

Cpu2007 wrote: »

yes, for those who don't know, 123 santander has a deal where you get your annual fee back; so even if I'd have paid for it, I'd got more cashback than the annual fee but getting an annual fee back is a bonus

How do you claim back the annual fee?

Cpu2007

akamustang wrote: »

How do you claim back the annual fee?

Basically, once your account is activated then they will refund you the money
Here's the link
http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABBEYCOM&cid=1237861667895&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateW2

2. No annual 123 Credit Card fee for the first year. To qualify for this refund you must: (i) open or hold a 123 Current Account; and (ii) open or hold a 123 Credit Card (iii) set up a Direct Debit from the 123 Current Account to pay your 123 Credit Card within 30 days of either opening your 123 Current Account or 123 Credit Card (whichever occurs latest). The annual fee charged for the first year will then be refunded to your 123 Credit Card account within 21 days from the later of (i) activating your card and/or (ii) setting up the Direct Debit from your 123 Current Account. Offer valid until 30/06/2013.