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    Former MSE Natasha
    Would you apply for a card you despise? Poll Discussion
    • #1
    • 12th Jun 07, 11:58 AM
    Would you apply for a card you despise? Poll Discussion 12th Jun 07 at 11:58 AM
    There's a best credit card on the market (head and shoulders above all others) which pays the most cashback for those who are debt free, and has the best balance transfer deal for those in debt. Yet it's branded with your favourite football team's rival/the Masters of Foxhounds association/the League Against Cruel Sports (whichever one you find most distasteful). Would you still apply for the card?

    A. Absolutely. It benefits me, that's what counts

    B. No way. My club/beliefs are much more important than my financial benefit

    Please vote here or click reply to discuss.

Page 1
    • Gordon the Moron
    • By Gordon the Moron 12th Jun 07, 1:39 PM
    • 1,459 Posts
    • 741 Thanks
    Gordon the Moron
    • #2
    • 12th Jun 07, 1:39 PM
    • #2
    • 12th Jun 07, 1:39 PM
    If it was for my favourite football teams rival, yes I would apply I don't care that much.

    If it was something I was morally against like the masters of foxhounds I certainly would not.
    If you don't like what I say slap me around with a large trout and PM me to tell me why.

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    • spandit
    • By spandit 12th Jun 07, 2:48 PM
    • 140 Posts
    • 83 Thanks
    spandit
    • #3
    • 12th Jun 07, 2:48 PM
    • #3
    • 12th Jun 07, 2:48 PM
    I would probably say yes, as if this card was the best cashback card, I'd be getting the most amount of money out of a company that I despised. I feel that it would be a double whammy as I'd be getting the benefit from a company that deserves to be screwed.

    For those in debt, it would only be worth it if the company didn't get any income from you, such as a fee-free 0% balance transfer. This is exactly what I did when a bank messed me around a few years ago. After I got it sorted I applied for their 0% balance transfer and made sure they made 0 profit from me!
    If you find my post helpful please press the THANKS button.
    • vansboy
    • By vansboy 12th Jun 07, 11:20 PM
    • 6,387 Posts
    • 4,901 Thanks
    vansboy
    • #4
    • 12th Jun 07, 11:20 PM
    • #4
    • 12th Jun 07, 11:20 PM
    I'd apply for the card...& NOT use it, so as to create a (tiny) expense for them!!

    Then they'd have less funds for the cause I didn't support.

    It'd need to be something I was really against, rather than just a dislike, though.

    VB
    • Ebenezer_Screwj
    • By Ebenezer_Screwj 13th Jun 07, 6:29 AM
    • 437 Posts
    • 231 Thanks
    Ebenezer_Screwj
    • #5
    • 13th Jun 07, 6:29 AM
    Business
    • #5
    • 13th Jun 07, 6:29 AM
    Yes. It's business not personal.
    • Gordon the Moron
    • By Gordon the Moron 13th Jun 07, 10:03 AM
    • 1,459 Posts
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    Gordon the Moron
    • #6
    • 13th Jun 07, 10:03 AM
    • #6
    • 13th Jun 07, 10:03 AM
    You wouldn't cost the organisation whose name is on the card money by them making no interest from you, it would cost the bank/card company operating the card money.

    If the organisation receives a percentage of what you spend you might not make them anything but if they earn a percentage on balance transfers too you might end up making them money even if you don't use it. They may even earn a fixed commission for you signing up.
    If you don't like what I say slap me around with a large trout and PM me to tell me why.

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    • jat100
    • By jat100 13th Jun 07, 12:11 PM
    • 174 Posts
    • 19 Thanks
    jat100
    • #7
    • 13th Jun 07, 12:11 PM
    • #7
    • 13th Jun 07, 12:11 PM
    If it was for my favourite football teams rival, yes I would apply I don't care that much.

    If it was something I was morally against like the masters of foxhounds I certainly would not.
    Originally posted by Gordon the Moron

    My views exactly. I voted no.
  • CCCele
    • #8
    • 13th Jun 07, 1:52 PM
    • #8
    • 13th Jun 07, 1:52 PM
    > If it was for my favourite football teams rival, yes I would apply I don't care that much.

    The non-hypothetical answer: Football club backed cards are never very good rates and the club gets any premiums rather than you. Chances are most clubs would have the same deal anyway, since most issue the same cards. A card that gives any premiums to someone else is never going to be the best value card.

    The hypothetical answer: I would not go for it as any benefits go to something I am against.
    • xpcomputers
    • By xpcomputers 13th Jun 07, 2:07 PM
    • 17 Posts
    • 18 Thanks
    xpcomputers
    • #9
    • 13th Jun 07, 2:07 PM
    • #9
    • 13th Jun 07, 2:07 PM
    There is a sliding scale for me. The two choices in the poll are very black and white... whereas real life isn't!

    I DO strongly believe in the power of my spending to influence others for better or worse. I voted for B) No.

    However, it is only "no" on issues I feel strongly against. However, some issues (like football!) are neither here nor there!

    However, it often works the other way though, that you get a worse rate to support something you believe in...

    Most time, the charity credit cards are MUCH worse rates than getting the highest paying cashback card. It is normally better to get the top cashback payer, then you could then give the resulting larger pot of money to the charity you wanted to support. You have to step back and consider the bigger picture and still be wise with your spending!

    I do however bank with smile, (part of the cooperative bank), as they have a strict financial policy of what they will and won't do with your money. This makes me happier. Banking with the top payers, wouldn't be able to replace that feeling for me, even if I had a bit more interest as a result! This is an ethical choice. I like to know what my money is being used for.

    Another example would be buying fairtrade produce where available.

    The small amount extra to pay, is worth it for the final outcome.

    Mike
    • Mics_chick
    • By Mics_chick 13th Jun 07, 4:03 PM
    • 11,689 Posts
    • 11,569 Thanks
    Mics_chick
    If it was for my favourite football teams rival, yes I would apply I don't care that much.

    If it was something I was morally against like the masters of foxhounds I certainly would not.
    Originally posted by Gordon the Moron
    I don't know if the Fox-hunting/Cruel sports options were mentioned to "appeal" to people who don't care about any sports team or to show the 2 possible ends of the scale ??? :confused:

    I understand people can feel very very passionately about football/rugby/etc but in my view they don't have any particular impact either way. Whereas the Fox-hunting/Cruel sports options could be used politically by those particular organisations. That's why I voted 'no way' - I would not support any sort of potentially political organisation in this way...
    You should never call somebody else a nerd or geek because everybody (even YOU !!!) is an
    "anorak" about something whether it's trains, computers, football, shoes or celebs
  • plonkee
    I wouldn't take out a card that was against my beliefs - mostly because I don't think I could bring myself to use it so that would be counter-productive (I don't carry a balance).
  • TheFlyingGerbil
    You've got to remember how you would feel every time you handed the card over with the thing you detest emblazoned across it - I wouldn't be able to live with that.

    Having said that, maybe it would make you want to use your card less and is in fact something we should all do to encourage us into spending less!

    Joe
  • Mrs Wossinge
    I do my personal banking with Smile to avoid giving any of my money to companies with fewer scruples than I have about arms trading/animal testing/human rights abuses/ etc.

    Smile don't do business accounts, however. I'm self-employed and only found one bank with an ethical business account for small businesses. It's a tiny bank called Reliance, run by The Salvation Army.

    Perhaps it's slightly off-topic, but I'd be interested to hear if anyone knows of other ethical banks with business accounts that might suit sole traders.
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  • gizfizz
    If it was for my favourite football teams rival, yes I would apply I don't care that much.

    If it was something I was morally against like the masters of foxhounds I certainly would not.
    Originally posted by Gordon the Moron
    ditto to that and a for the second part!
    I voted no

    i dont really like credit cards anyway ive only just got my first one and that was only to do a 0% balance transfer, i wont spend on it.

  • k993257
    Yeah I definately would, I would just make sure I was using them and got some free credit/cashback and that they werent making money from me.

    I think we have to agree that we probably do lots of things to save money which is unethical: eg buy animal tested products, foreign meat that has no animal rights, clothes from high street retailers and supermarkets that use v cheap labour, or buy petrol? If you dont do any of these things then good for you, a better person then me, I try, but money does enter into my purchases on a daily basis.
    • frivolous_fay
    • By frivolous_fay 14th Jun 07, 1:56 PM
    • 13,056 Posts
    • 6,226 Thanks
    frivolous_fay
    Neither of the answers were appropriate for me.

    My answer would be:

    Absolutely, as long as I benefit and they gain nothing from my business.
    My TV is broken!
    Edit: refunded 515 for TV 1.5 years out of warranty - thank you Sale of Goods Act!
    • frivolous_fay
    • By frivolous_fay 14th Jun 07, 2:00 PM
    • 13,056 Posts
    • 6,226 Thanks
    frivolous_fay
    Perhaps it's slightly off-topic, but I'd be interested to hear if anyone knows of other ethical banks with business accounts that might suit sole traders.
    Originally posted by Mrs Wossinge
    I also bank with smile.

    Have you looked at http://www.triodos.co.uk/? From a casual scan of their site, they appear to do ethical business banking, but perhaps you've looked at it already and it's not suitable.
    My TV is broken!
    Edit: refunded 515 for TV 1.5 years out of warranty - thank you Sale of Goods Act!
  • ban-all-sheds
    I voted no too, but it's a daft question, as there is such a spectrum of things you might be opposed to. The example of foxhunting might get some people in a lather, but not others.

    For example - I wonder if any Yes voters who are staunch and practising Catholics would vote Yes if the benefiting organisation was a charity that runs abortion clinics?

    Would a Yes voter with strong liberal beliefs still vote Yes if the organisation was Combat18?

    If it still existed, who would vote Yes if the organisation was the !!!!!phile Information Exchange?

    The more I think about it, the more it seems clear that unless you have no moral framework, and have no principles you think are worth anything, then you cannot vote Yes.
    .

    If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
    .
    • Angel99
    • By Angel99 15th Jun 07, 2:03 AM
    • 2 Posts
    • 0 Thanks
    Angel99
    No Way
    No way could I apply for/carry/use a card from an organisation I despise, it would feel like giving them my vote, they could use the fact a lot of people have their cards as proof of support for their cause and I certainly wouldn't be able to use the card as every time I handed the card over it would be like telling people that I support them.
    Would you walk around wearing a slogan on a T.shirt for them if they paid you to do it?
    Something's are more important than money.
    • Gordon the Moron
    • By Gordon the Moron 15th Jun 07, 12:46 PM
    • 1,459 Posts
    • 741 Thanks
    Gordon the Moron
    Yeah I definately would, I would just make sure I was using them and got some free credit/cashback and that they werent making money from me.

    I think we have to agree that we probably do lots of things to save money which is unethical: eg buy animal tested products, foreign meat that has no animal rights, clothes from high street retailers and supermarkets that use v cheap labour, or buy petrol? If you dont do any of these things then good for you, a better person then me, I try, but money does enter into my purchases on a daily basis.
    Originally posted by k993257
    Charity cards or cards for the likes of football clubs are run by banks/card companies on behalf of the organisation who receive a benefit from it. Before you could work out whether you were making them money or not you would need to know how they earn their commission, from purchases (you could avoid earning them money then) from all transactions (you could avoid earning them money then but what would you have the card for?) or they may even earn a commission for you just signing up.

    Da Moron
    If you don't like what I say slap me around with a large trout and PM me to tell me why.

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