[WillPS]

Tends to be late Spring and Autumn for Platinum bonuses.

[WillPS]

Amex is the only UK issuer I know of who provide access of any sort for supplementary cardholders.

[WillPS]

PJJ wrote:

@WillPS
I was in the same boat, applied end of July when the offer was 10k
Messages back and forth via the Sainsburys Bank website, signed in and using the messages service
They reckon it was an instore promotion for the 10k
Spoke with Customer Services at local supermarket and they reckoned that Sainsbury’s Bank have never been instore
I replied with those comments and put in also that I wouldn’t have thought they couldn’t accept personal details instore under GDPR
Their next reply was basically they replied previously about being instore and that was final in their eyes
Is it worth chasing 2k Nectar Points or £10
I agree in principal it is however…………..

I’d be referring that matter to the FOS on principle tbh. How does one even sign up for a credit card in store?

[WillPS]

tjob81 wrote:

This is why this forum is so useful, this is exactly the question I came here to ask.

I’m currently a member of Avios rewards and wanted to open a Rainy day saver but didn’t want to risk the 100,000 Avios by switching to Barclays Blue.

Would the 100,000 be at risk?

Yes, definitely do not do that.

If you want Rainy Day Saver, wait until that is paid, then switch to Blue Rewards and open the Rainy Day Saver.

If you would prefer the Avios/Premier Rewards, you can switch back after the Rainy Day Saver is open. It’s not advertised but they sent me an email after switching from Blue Rewards to Premier (for the same 100k offer!) assuring I’d be able to keep it while I held Premier or Blue Rewards.

[WillPS]

Agree, Ticketmaster are still providing the product you purchased so aren’t at fault – no mileage in a chargeback/S75.

Resell might be the only option if no alternative is available.

[WillPS]

I received 8000 points instead of the expected 10000 yesterday. Has anyone else? Really cba with their awful phone aggro.

Edit: complaint submitted online, thanks for the tip.

[WillPS]

can wrote:

Council tax and utilities are the first start, in my opinion

Some councils and companies do not directly accept Amex but there are ways. For the CTax use, paypoint for example.

Worth noting that not all councils support PayPoint. Mine uses Payzone, so no dice.

For that – the key detail with PayPoint is that you need to do this at a Co-op Group run store (normally indicated by using the blue and white ‘retro’ logo), most indies won’t let you use credit cards for this and almost certainly won’t accept Amex.

[WillPS]

If you have a Rainy Day Saver you can keep it if you change to Premier Rewards, FYI (but you won’t be able to open one).

[WillPS]

ekposh wrote:

Depending on your spend and if you think you’ll hit 10k, I think would be daft to cancel until you do.

But yes, you can, I cancelled my Gold (as got BAPP) and pro rata refund was pretty much instant and credited to my balance so had less to pay off

Unless you have no interest in flying [with BA].

[WillPS]

You can still earn a Platinum bonus too (once 2 years since you last had MR has elapsed). In the circumstances I’d look to take that bonus next time they have one then go completely fallow for 2 years before starting with your ‘any’ Amex (Nectar/Mariott as things stand today but who knows in 2 years), then BAPP and Platinum in either order, then fallow again…

[WillPS]

Suspect very much it will given that’s the method Nando’s push you in to using (unless you need to pay with cash or, annoyingly, gift cards when they send you to the till like a caveman…)

[WillPS]

I’m amazed the card is still going. I presume there’s some contract which Barclaycard are seeing out.

[WillPS]

jshRR wrote:

I’m a HH Gold (through the HH plat c/c with the 10K annual spend rather than via an Amex c/c) – just out of interest could someone spill the beans and explain where these diamond ♦️ gifting codes have come from ? Thanks

https://www.hilton.com/en/hilton-honors/support-faq/#elite-status

Under ‘Elite Status Gifting’

Elite status gifting

If you hit 40 nights in the calendar year, you can gift Gold status to any member. If you hit 70 nights then that gift is upgraded to Diamond.

[WillPS]

Seems rather too far in the future for a Home Office book out?

[WillPS]

Gottskalksson wrote:

Do you have to swtich if upgrading from the standard current account?

I’ve upgraded an existing Barclay’s (non-Premier) account and an old Cashback credit card.

I’ve had an email confirming I will get the 100k, and I haven’t CASS’d (nor was I asked to at any point – the CASS bonus appears to only be for new customers?).

[WillPS]

OS2142 wrote:

Anyone recently made HMRC payments using Pay+? Keen to understand if points are being awarded!

Probably better if you make an £8 payment and see for yourself.

[WillPS]

HelenM wrote:

I went to the ASDA online account to purchase an xmas saver card and they only sell them online from the ASDA giftcards page – so I bought one – and then I went to top it up online and it directs you to the giftcard website to top it up, but they don’t allow you to top up with Amex online. So is there anyway to open and top up an Asda christmas saver account online with Amex? or if you want to use Amex does it have to be done in store only?

I have no idea. Like I said I wouldn’t muck about with it too much online; it’s clearly not meant to be a product they intend for you to hold multiple of but buying in store they have no way of policing that whereas online they can and do.

[WillPS]

HelenM wrote:

WillPS wrote:

Not sure it fits in with the snooty vibe on here but Asda Christmas Savers bonus applies after close of business on Sunday.

£15 added on a £280 top up. I’ve bought five…

In other news Asda sell Amazon, M&S, JL etc gift cards.

Were you able to do this instore with Amex? I tried to do it online yesterday and they don’t take Amex on the online asdagiftcards portal.

Yep. Asda accept Amex, these gift cards go through normal tills like anything else. You can even top them up at self checkouts although the UX is hardly optimised.

The only issue I had yesterday was Amex blocked my card after the third or fourth £200 transaction, luckily P2 was on hand with her supp card to finish the job.

I wouldn’t muck about with the online gift card portal to be honest, it just adds restrictions which don’t exist if you do it all in store.

[WillPS]

Not sure it fits in with the snooty vibe on here but Asda Christmas Savers bonus applies after close of business on Sunday.

£15 added on a £280 top up. I’ve bought five…

In other news Asda sell Amazon, M&S, JL etc gift cards.

[WillPS]

How on earth has this ended up happening?! Is the hotel struggling?

This is the sort of stuff I expect from cynical operators of absolutely knackered facilities, basically Britannia Hotels. Worrying that an operator of such a new, decent facility sees this as a better bet than operating as a hotel.

Location wise I can’t think of many less appropriate places than here.

[WillPS]

Youllnever wrote:

The Urbanite wrote:

mark2 wrote:

My wife has just received a letter reducing her limit on this card from £4500 to £100 i.e. effectively cancelling it. The web site says that it will not be increased under any circumstances. She rarely uses it, but there is currently a statement credit offer on Laithwaites for 25% if spending £110+!
Has anyone else had this?

I’m surprised the banks don’t do this sort of thing more often for very unprofitable cards. That said, they are known to slash limits on rarely used cards occasionally.

Why would they when they can just cancel them?

PR. Mass closures would be more likely to generate publicity, and the publicity itself would be worse than reducing customer limits.

There’s also the opportunity to potentially ‘rebuild’ which Barclaycard are leaving the door open to.

DanGK wrote:

The Urbanite wrote:

mark2 wrote:

My wife has just received a letter reducing her limit on this card from £4500 to £100 i.e. effectively cancelling it. The web site says that it will not be increased under any circumstances. She rarely uses it, but there is currently a statement credit offer on Laithwaites for 25% if spending £110+!
Has anyone else had this?

I’m surprised the banks don’t do this sort of thing more often for very unprofitable cards. That said, they are known to slash limits on rarely used cards occasionally.

Pay £10 in from your bank account. You can then spend £110.

I wouldn’t advise anybody deliberately puts a credit card in credit. Playing with fire.

bungalow wrote:

Just a quick update for anyone expecting the imminent demise of the Hilton Barclaycard, my new card just arrived this morning… with a 07/27 expiry date!

I wouldn’t read in to expiration dates as meaning anything. There were JLFS (HSBC) cardholders who were receiving replacement cards with 3 years of expiration on last month. Doesn’t make them any more valid today than one which expired in October.

When the Hilton Barclaycard scheme inevitably finally closes Barclaycard will just move customers en-masse to a different Visa product in their range, probably Platinum.

[WillPS]

Eugh this is bad news. I’d planned to send Barclays Premier 110k to Nectar, that’s £150 I’ll never see.

I’ve also got a Platinum Amex bonus, not sure if I’ll be able to bring that forward quickly enough to get it through Avios to convert. Perhaps Amex will come to the rescue on that one by offering a decent statement credit bonus.

[WillPS]

comeocome wrote:

WillPS wrote:

First Direct require an average monthly pay in of £1000 pm, which a final year student is unlikely to be able to satisfy.

Also the OP isn’t looking for a new current account – be a bit daft to fill a credit record with searches when the OP has a reward credit card in mind.

OP – I would recommend you to apply for the HSBC Student credit card – they are one of only 2 banks that offer a specialist product now, be silly not to use it. Automate a payment to Spotify or even just a regular £10ish Amazon top up. Pay in full by direct debit.

Barclaycard are very unlikely to accept you until you have a salary, so I would make your mission to make yourself as creditworthy as possible when you get there. You can also do things like making sure you use a mobile network who report to your credit record.

Which mobile network do you have in mind?

Obviously a contract should count, but I personally don’t want to be bound a contract, and I don’t see much value switching from pay as you go to a monthly cost (the data allowance is the same/ highly similar, and I don’t need a new phone). Can I just set up a direct debit for a pay as you go sim, and will that contribute to my credit record? Thanks!

The main networks (EE, Vodafone, O2 and Three) will all report to credit reference agencies on Pay Monthly contracts. PAYG/pre-pay will not report as they are not a line of credit.

MVNOs (Virgin, Sky, Asda, Giffgaff, Plusnet) are a mixed bag – generally if you pay upfront for a bundle or package ala Giffgaff then that won’t appear (you’re not opening a line of credit, you’re pre-paying for a set service), but if you are billed for service after you’ve used it then it should appear somewhere.

[WillPS]

FearlessTraveller wrote:

comeocome wrote:

Presumably OP’s credit record is not the best, no offence, (limited salary as a student), what’s the likelihood that Barclaycard will accept him? However, his credit record is not poor either, as in not recovering from a bankruptcy?

Apologies if this is a pretty dumb question, as I am also new to this game of credit.

I have good credit overall (lower 900’s with Experian and upper 600’s with Clearscore), apart from 3-4 missed payments over the past 5 years.

From reading the replies above, it seems that I shot a little bit too high in expectations for something like my first CC.

(Also, I apologise for not expanding on my current credit status)

That score is meaningless and you’d do well to completely ignore it. Only the content of the credit record itself is relevant when making a credit application.

[WillPS]

Alex G wrote:

WillPS wrote:

Sainsbury’s Bank are cutting the ‘in-Sainsburys’ reward rate from 2 points per £ to 1 from Nov 1: https://www.moneysavingexpert.com/news/2022/09/sainsbury-s-cuts-the-amount-of-nectar-points-you-can-earn-when-s/

Amex will pay you more than Sainsbury’s themselves will now. Absolute joke of a card.

No, its even worse than that. Currently 2 Nectar Points for every £1 spent in Sainsbury’s/Argos. Changing to 1 NP for every £2 spent.

Still worth getting now though for the sign up bonus, especially as there is two months left at the current earnings rate.

Isn’t that what I said?