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Do you prefer the extended summer thread format? This poll is closed. |
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| Yes |
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126 | 44.21% |
| No |
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39 | 13.68% |
| I'm Scottish |
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120 | 42.11% |
| Total: | 285 votes | ||
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serious gaylord posted:Apparently this is due to the new rules from Visa and Mastercard but given Asda aren't doing it I'm not sure its entirely down to that. I guess they've had too many people pay with a card with an account with a tenner in and fill up the £100 max? ASDA were doing it for a short while a couple of years ago and stopped after the many complaints it caused. e: God dammit. Here's a picture of a Class 124 DMU 
Oscar Romeo Romeo fucked around with this message at 20:14 on Jul 1, 2021 |
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Jul 1, 2021 20:10
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stev posted:They're handy to have for big purchases just for the protection you get under the Consumer Credit Act. I usually use mine if I'm spending more than a few hundo on anything and pay it off straight away. I've got it set up to pay off in full every month to avoid any interest and budget it as if it's come straight out of my current account to avoid any surprises. I know several people convinced that they exist entirely as a way of getting people into debt and then charging so much interest that you could never pay off the debt, and can't believe that they might offer any protections, but given how lenders have acted over the past few decades that's not really an unreasonable thing someone might believe.
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Jul 1, 2021 20:13
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goddamnedtwisto posted:I use credit cards (which I pay off at the end of the month) for online transactions because of the protection factor, but since lockdown I've shifted to just doing *everything* by credit card because ultimately if it gets skimmed or stolen and somebody goes mad with it it doesn't then leave me completely skint as it would if my debit card got misused. Way back when I was first getting on in the world I tried to open a bank account at Barclays. I was employed and was paid in cash at the end of each week. I could get a basic cash withdrawal card that I'd had when I was young but they wouldnt give me a proper current account due to having no credit history. So they told me to apply for a Barclaycard, which I did and they instantly gave me a 2k credit limit. At the time I was earning £180 a week. Having that Barclaycard however got me my current account instantly, and they've kept upping the limit ever since till its now 8.5k 8 thousand five hundred pounds. Its ludicrous.
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Jul 1, 2021 20:14
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Doccykins posted:Fear not Stong Nation Grate Britan, mummy will look after you those are not very good likenesses of harry and william imo
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Jul 1, 2021 20:16
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crispix posted:those are not very good likenesses of harry and william imo Was tempted to post "Harry old bean?" "Yes Will?" "Why am I a girl?"
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Jul 1, 2021 20:19
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serious gaylord posted:Way back when I was first getting on in the world I tried to open a bank account at Barclays. I was employed and was paid in cash at the end of each week. I could get a basic cash withdrawal card that I'd had when I was young but they wouldnt give me a proper current account due to having no credit history. So they told me to apply for a Barclaycard, which I did and they instantly gave me a 2k credit limit. At the time I was earning £180 a week. HSBC have upped my credit limit every year in spite of having several years where I wasn’t earning anything at all. I think it’s north of 14k now. It’s loving terrifying, and I try to avoid using my credit card at all. However it is useful to know that in an extreme emergency I have the option of it.
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Jul 1, 2021 20:21
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happyhippy posted:I have never had a credit card, only debit cards. To be honest wasn't much of a choice really, got a debit card when I was in uni, they hosed me over at an atm charging me 5 quid to take out the last 20 meaning I couldn't take it out as it was now 15, shut down the account the next week, and never got a card until got proper work years later. Having had a tooth irreparably crack under the strain of a cashew nut, I had to pay £165 for an emergency extraction and am now having to fork out another £1350 for a bridge (it's right next to my two front teeth so I can't ignore it -- (a) aesthetically and (b) I can already sense that my adjacent front tooth is moving.) No option but private now. This happened shortly after I had paid out nearly £1k for something else. Without credit cards I would have been stuffed. Planning to move all the outstanding to a low interest balance transfer card I already have after the new tooth is in. There was a fuss a month or so back when Barclaycard suddenly reduced the big limits for quite a lot of people right down from, say, £12k to £200 - with vague words about 'affordability' despite the relevant people having never missed a payment, and never been asked about their financial situations, more than a few were also paying off full amount every month.
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Jul 1, 2021 20:24
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crispix posted:those are not very good likenesses of harry and william imo
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Jul 1, 2021 20:26
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e: ^ they do know she's dead, right? You can absolutely tell them to stop upping your limit. Most of the big banks will only do it if you're actually maintaining the account but some of the scummier lenders (NewDay, Vanquis) absolutely thrive off of giving people with bad credit low limits and whacking it up until they're in an endless debt spiral. It's mostly done by algorithms these days but some of them will just use the fact that you're not regularly missing payments to justify giving limits in the tens of thousands. stev fucked around with this message at 20:29 on Jul 1, 2021 |
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Jul 1, 2021 20:27
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reminds me of how the national lottery website makes a big deal about how it lets people set a spending limit but when you sign up it has the limit set at like 5 grand a week by default lol
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Jul 1, 2021 20:30
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Do what the people who hated your mother want to Harry.
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Jul 1, 2021 20:31
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happyhippy posted:Do what the people who hated your mother want to Harry. 
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Jul 1, 2021 20:39
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stev posted:Having your credit card paid off automatically sounds terrifying, same as the option to repay the full balance each month instead of the minimum payment. I repay in full every month - I get a statement well in advance saying how much, so if I wanted to change my repayment system there'd be time. Whereas if I had to do something about repayments myself I would unquestionably forget every month and rack up interest, which I am not willing to pay anyone.
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Jul 1, 2021 20:55
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Oh dear me posted:I repay in full every month - I get a statement well in advance saying how much, so if I wanted to change my repayment system there'd be time. Whereas if I had to do something about repayments myself I would unquestionably forget every month and rack up interest, which I am not willing to pay anyone. I've put all mine on direct debit for the minimum amount just in case I forget or if the internet decides to die for 24 hours and then pay off the extra (except this time it's different due to the unexpected expenditure!). One thing drives me nuts is some say if you pay more than the minimum they won't take the minimum dd, but then they do, or vice versa, and each card is different. Getting the timing right can be a pain. I try to ensure each card uses the direct debit facility at least once every six months as one time when I was living abroad, a card I hadn't used for ages tried to take the dd and the bank in its infinite wisdom had - unbeknowns to me - a policy of deleting any dd facility that wasn't used for 13 months and bounced the payment, so costing me a bomb in international phone calls.
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Jul 1, 2021 21:00
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I basically use my credit card as my primary spending tool, and my debit card goes largely untouched until I pay it off at the end of the month.
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Jul 1, 2021 21:15
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I paid off all my credit card the other day (paid for 2 bathrooms on it), got to the end of the 28 month 0% period but didn't quite get my final payment in on time. 10p of interest, nooooo
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Jul 1, 2021 21:17
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I’m a poor and have a debit card, also no car.
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Jul 1, 2021 21:18
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I too pay off my CC in full every month. I'd never missed a payment until recently when I was a single day late. Then I had to pay off the late fee. Then I had to pay off the interest on the late fee. Then they wrote off the couple of pence I still somehow missed.
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Jul 1, 2021 21:19
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learnincurve posted:I’m a poor and have a debit card, also no car. me too, also I live in a big shared house I'm still somehow in the top 20% for income lmbo.
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Jul 1, 2021 21:22
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Private Speech posted:me too, also I live in a big shared house There is that cartoon of people stepping over a homeless man and above their heads it has their actual worth and it says stuff like “-1 million pound mortgage” “-£10k credit cards” and the homeless man is the only one with “+£1.58”
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Jul 1, 2021 21:27
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I have a debit card and a current account with zero overdraft. I've been offered a credit card but I have no course to use one and the less things that can possibly come back in the future to sting me, the better.
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Jul 1, 2021 21:29
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i thought you had to have a credit card to buy an account here? Certainly years ago.
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Jul 1, 2021 21:36
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Gyro Zeppeli posted:I've been offered a credit card but I have no course to use one I originally got a credit card in order to improve my credit score. I'd wanted to open a bank account and was refused, and told having no debt and therefore not making any repayments counted against me. Now I use it because it's safer online and I can't remember my debit card's PIN 
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Jul 1, 2021 21:38
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Got a credit card when I moved back here due to moving and buying a house eating all my savings. Bought a nice sofa with it and paid for eye surgery for the wife. Still paying it off at 200 a month but in general it was a life saver.
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Jul 1, 2021 21:41
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We should start our own bank. Just send me your card numbers.
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Jul 1, 2021 21:43
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NotJustANumber99 posted:i thought you had to have a credit card to buy an account here? Certainly years ago. The site accepted Visa payments, but not Maestro. The majority of UK debit cards were Maestro-only up until about 12 years ago, while credit cards were typically Visa.
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Jul 1, 2021 21:59
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Any tasty exit polls?
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Jul 1, 2021 22:02
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OwlFancier posted:Any tasty exit polls? Feels like it's not worth doing since you'll know by the morning anyway and it won't have any actual effect beyond everyone laughing at Keith.
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Jul 1, 2021 22:07
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All youse financially responsible people are triggering my anxiety
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Jul 1, 2021 22:08
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Chat is equal parts labour making GBS threads it but also thinking they've won depending on the person
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Jul 1, 2021 22:09
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Borrovan posted:All youse financially responsible people are triggering my anxiety it works both ways
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Jul 1, 2021 22:12
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Miftan posted:it won't have any actual effect beyond everyone laughing at Keith. This, regardless of outcome.
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Jul 1, 2021 22:13
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Credit cards were a godsend when I needed to pay a month's rent in advance plus the equivalent of a month's rent as a deposit. For a while I was very close to paying it off and was getting annoyed letters from the bank tellign me they'd reduced the amount I could borrow. Then Life happened and I ended up with a grand on it. Which is paltry compared to some people's credit card debt, but it's more than I feel happy about.
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Jul 1, 2021 22:24
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Borrovan posted:All youse financially responsible people are triggering my anxiety I spent all my money. Then other peoples.
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Jul 1, 2021 22:58
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Mebh posted:Bought a nice sofa with it and paid for eye surgery for the wife. Risky move for us goons! 
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Jul 1, 2021 23:00
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happyhippy posted:Was tempted to post "Harry old bean?" "Yes Will?" "Why am I a girl?"
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Jul 1, 2021 23:06
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I just assumed she kidnapped some random children, you know what royals are like.
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Jul 1, 2021 23:08
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Hearing chat of a 70% turnout in B&S which would be bizarre. Not sure what it means results-wise either.
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Jul 1, 2021 23:10
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Jakabite posted:He said he was soft left but literally nothing about him or anything he’d done or anyone backing him indicated that was true. Ricky Tomlinson sure but I hardly think Jim Royal is all that relevant, and Adonis is Tony ‘Thatcher’s Greatest Achievement’ Blair’s biggest cheerleader. Very nice dismissal of a life long socialist who literally went to prison for his trade union activity on building sites. A man who when Luciana Berger was parachuted in to Liverpool came out in favour of the SLP candidate & said "People say you could be letting the Tories in. But there is no difference between the Conservatives and New Labour". My point was just "don't put your faith in a soft left who happily collaborate with the right at every opportunity". The Labour Party should be destroyed forkboy84 fucked around with this message at 23:42 on Jul 1, 2021 |
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Jul 1, 2021 23:12
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OwlFancier posted:I just assumed she kidnapped some random children, you know what royals are like.
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Jul 1, 2021 23:14
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