Sky card - got one

bernardh_2

I got a call at work today.Just checking I did work there I suppose. A few questions and I was accepted for a Sky card.0% till Jan 2006.
As I cancelled Sky tv last month I thought they might try to persuade me to take it again as a condition,but no.Pressure to take insurance - then given 1 month free.Mustn`t forget to cancel it asap.

cifpower

Yup. They rang me on Saturday and accepted me - told me the APR and the limit. Tried to sell insurance - no. One month free trial? No. Card Protection? No. Get the card within 7 days. Lovely!

pinkonion

Got an application form in the post this morning (I didn't request one but am a Sky customer). It's unclear what the points are worth - yes you get 1 per £1 spent but are they worth 1p each or 0.1p or whatever each and if I get 500 of them can I just take that off my monthly subscription or do I have to get enough to pay a whole months subs?

mclaren_2

pinkonion wrote:

Got an application form in the post this morning (I didn't request one but am a Sky customer). It's unclear what the points are worth - yes you get 1 per £1 spent but are they worth 1p each or 0.1p or whatever each and if I get 500 of them can I just take that off my monthly subscription or do I have to get enough to pay a whole months subs?

4100 points means £41.00 so 500 points is £5.00

daveboy

Seems to me then that unless you have loads of money the points don't have much of a benefit. Spending £4100 just to get one month of the full package free.....I'm sure I'm not the only one who doesn't even spend half that on a credit card.

There's only a gain in this for the moneybag earners who look down on the rest of us common folk

jonesMUFCforever

daveboy wrote:

Seems to me then that unless you have loads of money the points don't have much of a benefit. Spending £4100 just to get one month of the full package free.....I'm sure I'm not the only one who doesn't even spend half that on a credit card.

There's only a gain in this for the moneybag earners who look down on the rest of us common folk

I have not applied for one (yet) but if you put your weekly shop and petrol on the card + say a holiday cost, then it would soon add up and I'm sure that between everything I would expect to spend around £8k on a card in a year, so in theory that would give me 2 free months of the top package.
Alternatively I could stay with my present card get .5% cashback and spend the money on anything I like.
Decisions Decisions.
Eric

bernardh_2

The points will not help me as I don`t have Sky anymore. Nor the 0% BT as nothing to transfer. But it does mean that my credit record must be getting better .Even Cap1 refused me under normal terms earlier.
Now I can stop using my ex-wifes old card (with her permission as named user). No more "what were you doing in Sheffield last month".

daveboy

I'd have just said "watching the snooker at the Crucible." That would shut her up

cifpower

bernardh wrote:

The points will not help me as I don`t have Sky anymore. Nor the 0% BT as nothing to transfer. But it does mean that my credit record must be getting better .Even Cap1 refused me under normal terms earlier.
Now I can stop using my ex-wifes old card (with her permission as named user). No more "what were you doing in Sheffield last month".

What APR and credit limit did they say you were getting?

bernardh_2

Limit was £3500 and APR was 15.76. Not the cheapest but don`t care as I intend to clear every month.Doubt if I`ll even make use of 0% on purchases.
If she`d read the statement better,she would have seen that I bought a pair of shoes for our youngest daughter.
Daughter now filling in forms for performing arts holiday week (see holiday forum).Thanks Martin.

cifpower

My APR was 24.9% with a limit of £500. Probably because I moved house 3 weeks ago and I was not on the electoral roll when I applied. I am now though so I may appeal the limit and APR.