Topman card - what have I signed up for?

CannyJock

chuckley wrote: »

couldnt u apply this to CC's?? as in 'they dont offer u 0% for 9 months for ur benefit...' Anyway they send u vouchers in the post, invite u to '1st look/buy at the sales' and they send u discount codes, ie, free postage.

if u dont pay it off fully each month yes u earn int but its the same as a CC. and no the interest isnt always higher than cc's. my RI card APR is lower than my CC.

Yup, that's about the size of it. They're attempting to induce you to spend money basically. Money out of your bank and into theirs.

So long as you're going into these things with your eyes wide open then all's fair in finance and retail

If however, you want to take proper advantage of an actual 10% discount rather than ending up paying more through interest charges that you didn't really understand then advice to OP still stands - take the card, say thank you very much, clear the balance in full and then cancel the card.

Phlik

libertino wrote: »

when telling me I'd get a 10% discount on my £45 spend today he took a few seconds to work that out to be £8)

You did alright there then. You ended up with a 17.8% discount :T

Phlik