Impulse buys

Probably not. All the "credit card cheques" that I've ever
been sent through the post have always been on the terms
that they're the same as swiping it, but that you can use
them where you can't a card - exactly as Champ describes.

 

Didn't have a problem when I bought the Blackbird.
--
| ___ Salad Dodger
|/ \
_/_____\_ GL1500SEV/CBR1100XXX/KH500A8/TS250C
|_\_____/_| ..62661../..14297.../..3157./.19406
(>|_|_|<) TPPFATUICG#7 DIAABTCOD#9 YTC#4 PM#5
|__|_|__| BOTAFOT #70 BOTAFOF #09 two#11 WG*
\ |^| / IbW#0 & KotIbW# BotTOS#6 GP#4
\|^|/ ANORAK#17
'^'

 

You want to have your cake and eat it, don't you.

 

Allocate a sum of money each month for spending on something enjoyable
then. Take it out as cash, and spend real notes in the shop, it's more
satisfying that way.

 

Well yes, naturally.
We've established the principle etc.

 

Ginge wrote

I tried that when I was working for... well actually it doesn't matter,
it was back in the bad old days when I was working. Anyway I tried that
and it doesn't work.

I didn't want a new hi fi, me sock drawer was full enough, all sorts of
things. It just doesn't work.

Seriously, once you get out of the habit of using credit cards it is
extremely difficult to impulse buy anything other than a double latte
with your burger.

 

I never buy things on credit, but I do use my card for almost everything
including groceries, leaving my pay in the bank account earning it's 4%,
I then write one cheque at the end of the month to clear the card.

I also take out cash every month for 'fun spending' like buying CD's
going to the pub, etc.

Seems to work for me.

 

Not any more, Mick. The electoral register is compiled annually
whether there is an election or not. The cutoff date for inclusion is
the 10th October - or it used to be. I understand that all
authorities have now implemented the use of electronic registers,
enabling additions to be made at any time.

In the same way that it was an offence under the Representation Of The
People Act not to register every October, I believe it is now an
offence not to register within 3 months of moving house. Not that
many people were ever actually nicked for not registering under the
old system, mind.

 

Who do you use? Both the MBNA ones and the MSDW ones I were sent,
when I read the conditions, stated that there was the normal cash
advance fee on them. Maybe it's different for *really rich* people,
but my MBNA card is a platinum one (though I know they give those out
like sweeties these days too !)

Do you get cashback on your cheques too? I have a plan ...

 

On Wed, 7 Jan 2004 07:59:05 +0000 (UTC),

The cheque I used was an MBNA one.

 

As it happens I have a fresh set of Abbey National (MBNA) platinum card
cheques infront of me, they haven't made it as far as the shredder yet
(these stupid cheque things were a big part of the reason we bought the
shredder, don't want 'em turning up in the wrong hands etc)... anyway, at
the foot of the first page it says " * A handling fee of 2% (min. £2 max
£35) will be applied to all cheque transactions "

Mind you, it also goes on to say that the interest rate for money borrowed
using 'em is 4.9% which surprised me a bit given that I'm an existing
customer and that is actually lower than my mortgage rate.

ZK

 

There's still a handling fee, at least there is on mine, which amounts to
much the same thing (though cheaper by the looks).

ZK

 

The one that sends me the most are MBNA, but they're usually always
"special offer" ones which don't have the cash advance fee. My card
is just a "normal" MBNA one (actually a Planet Hollywood card, but
don't tell anyone) that I've haven't used for years. I don't get
any cashback on this, so maybe that's why the cheques are different?

They did give me a book of credit card cheques when I first got the
card, but have never used them. The special ones turn up as part of
a printed letter (you only get about 4 or 5) with details of the
special rates. I think it's aimed at getting you to do balance
transfers and the like too.

 

Well, I haven't been charged such a thing.

 

You must have an honest face
But if as I was, living in a house I built. I don't appear on the voters
lists until the next election. (The house wasn't on Post Code data bases
discs for years) If the finance search requires being on a voters list
you are buggered unless you shout a lot or invite the difficult bastard
from the finance company round to your house to sign the papers.

 

Fairy muff this was in early 90s.

 

Well YMMV as the saying goes. But it's a funny thing this charging lark. For
years I was using my TSB bank card to withdraw cash from overseas ATMs and
never once saw a charge for it, though there is definitely supposed to be
one, then out of the blue (or mebbe it was when they joined up for Lloyds?
Dunno) there I was living in sunny Pretoria when the buggers started
charging me 1.5% min £1.50 for each withdrawal. Ho well.

ZK

 

What gets me is the advertising to borrow money against your house to
clear your credit card debts and have some over for a holiday etc.
Mostly timed when wife is home and husband isn't.
[FX] Husband walks in from looking for work.
Wife: Darling I've just got us a loan over the telephone to clear all
our debt and we can have that holiday.[/FX}

In the advert husband jumps with glee. In reality he would probably
start tearing his hair out.

 

In the late 90s I had managed to slip off of the voters roll, having been
out of the country (in Norway) for some considerable time and not having
done the proper things about it in that regard... When I returned I decided
that it was high time that I bought myself somewhere to live, so I did[1], I
got the mortgage OK but I did have to visit a branch of C&G to show them my
passport and a letter from my employer. Knowing that my credit status was
probably a bit buggered I wandered into John Lewis in Kingston and applied
for a store card (didn't really want one but wanted to do the test IYSWIM),
got knocked back in double quick time... so there I was, thousands of quids
burning a hole in my bank balance, feckin' great mortgage[2] all approved
and ready to roll, and just a few days short of clambering aboard the
property ladder... but I couldn't have a measly £2,000 store card from John
Lewis.

[1] And now over 4 years later whilst the place has been completely
transformed I've still got my builder bloke in doing odd jobs today... does
it ever end?
[2] Well it felt hooge to me at the time.

ZK

 

In reality he would start tearing _her_ hair out as he swings her
round the kitchen ...