New Optimax Cards
Registered User
Joined: May 2002
Posts: 25,255
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From: Cheshire
Why's that, Steve? I've never really understood that mentality - so long as you're careful to pay it off each month, what's the issue? (Not criticising - I'm genuinely interested to understand why you think they way you do 
) I have a Shell Visa card for the sole purpose of getting more points when I fill up - I don't use it for anything else.
Whenever I put petrol in, I simply transfer via online banking the amount spent on fuel out of my current account into my "holding" savings account, and then pay the credit card off out of that holding account when the bill arrives. No chance of getting caught out by the amount spent as it disappears from my current account just as if I'd paid in cash or by debit card.
) I have a Shell Visa card for the sole purpose of getting more points when I fill up - I don't use it for anything else. Whenever I put petrol in, I simply transfer via online banking the amount spent on fuel out of my current account into my "holding" savings account, and then pay the credit card off out of that holding account when the bill arrives. No chance of getting caught out by the amount spent as it disappears from my current account just as if I'd paid in cash or by debit card.
Registered User
Joined: Nov 2002
Posts: 16,369
Likes: 4
From: Tyne Valley
Originally posted by Mark Turner
Whenever I put petrol in, I simply transfer via online banking the amount spent on fuel out of my current account into my "holding" savings account, and then pay the credit card off out of that holding account when the bill arrives. No chance of getting caught out by the amount spent as it disappears from my current account just as if I'd paid in cash or by debit card.
Whenever I put petrol in, I simply transfer via online banking the amount spent on fuel out of my current account into my "holding" savings account, and then pay the credit card off out of that holding account when the bill arrives. No chance of getting caught out by the amount spent as it disappears from my current account just as if I'd paid in cash or by debit card.
I don't use mine for fuel, just internet purchases and work expenses.
Registered User
Joined: Dec 2002
Posts: 1,595
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From: Teesside
The temptation is always there to buy stuff i cannot afford. I got my self into a lot of debt (we'll seemed like it back then) a little while back and found it very unpleasent.
Basically I can't trust myself and as i dont need one i've not got one!
Neil - Why bother with a credit card if you pay it off after you use it? You might as well just pay with your switch card?
Basically I can't trust myself and as i dont need one i've not got one!
Neil - Why bother with a credit card if you pay it off after you use it? You might as well just pay with your switch card?
Registered User
Joined: Nov 2002
Posts: 16,369
Likes: 4
From: Tyne Valley
I wouldn't use my switch card online. Credit cards nearly always have fraud protection. If someone steals your switch number they could empty your current account (presuming it isn't already empty because you've been spending too much money on your car 
)
)
So I've also got more repairs to fork out for