amex loss

northernstar007

hi all keep this short, excellent credit file etc, no debt etc etc blah blah, loads of offers for 0% etc, but love using my amex card for nectar points
intending buying new tv £1500, credit on cards 30k usage pay in full every months cpl 000
chatted to amex to see if they offer me 0%, ans none at all for anyone, tried to sweeten the chat saying i pay in full every month blah blah and still nothing
there loss really say 1500 over prob pay it off in 3 months they lose there fees they charge to retailer 
just a little bit cheesed off they dont offer it

northernstar007

so if i get £15 back in nectar points what would the interest be, dont worry i`m not that daft lol

WillPS

What makes you think they even might offer such a deal? They don't even offer a 0% purchase deal for new customers!

northernstar007

worth a try, if you dont ask you dont get

dr_adidas01

northernstar007 said:

worth a try, if you dont ask you dont get

You asked and they said no, they have never offered 0% on purchases or balance transfers ever as that’s not the kind of customers Amex wants. 

If you can’t afford to buy the TV and pay it off in full, then you probably shouldn’t be buying a TV. 

If you really must buy one and want it as 0% purchase offer, then I guess you’ll have to apply for a card that offers this and forget getting any points. 

cymruchris

northernstar007 said:

worth a try, if you dont ask you don't get

If they've never done it - you'll never get it. Feels like you're cheesed off for not getting something that nobody else has ever gotten either. Amex are not likely to be worried over losing the transaction fee from the sale of a TV though. If you have loads of offers at 0 percent - then best use one of those.

WillPS

dr_adidas01 said:

northernstar007 said:

worth a try, if you dont ask you dont get

they have never offered 0% on purchases or balance transfers ever as that’s not the kind of customers Amex wants. 

Not true:
The American Express® Rewards Purchases Credit Card | American Express UK (archive.org)

They also offered 6 months 0% on Purchases on their Costco co-branded card until it was withdrawn.

It's true enough that they don't offer anything like that at the moment though.

northernstar007

amex are offering 0% in the usa , and i have the funds to pay in cash, 0% is offered on retailers site which i will get, also have other 0% cards if req
the same tv is offered at currys at the same lowest price, i just noticed amex is also offering 5% cash back on any item over £100 at currys for 3 more days which is very tempting
being honest i mainly watch the tv for my fav sport football
now the season is drawing to an end i may just hold on till aug when it kicks off and see whats about then with the same model i am after

JohnnyB70

If you are going to pay it off straight away then you don’t pay interest.

Or were you telling them that you pay it off every month while intending not to?

northernstar007

JohnnyB70 said:

If you are going to pay it off straight away then you don’t pay interest.

Or were you telling them that you pay it off every month while intending not to?

i didnt get the chance asking for it over 3 months, i mentioned that i always pay my bill off in full as to sweeten them to give me a 3-6 month deal, but waste of time lol

TadleyBaggie

northernstar007 said:

i didnt get the chance asking for it over 3 months, i mentioned that i always pay my bill off in full as to sweeten them to give me a 3-6 month deal, but waste of time lol

They make the least money from the people that pay off in full every month, so not really that sweet for them.