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Eilis
Guest
I have a current account which I use to get my monthly salary and pay a few direct debits such as phone and esb. I take out cash and rarely use cheques.
I use a credit card only rarely, mainly on holidays, and so I am an additional user on my brother's card.
Could I replace my current account with a credit card and if so, which one?
I would pay my salary into it and take the direct debits out of it. I would withdraw cash, but as my card would be in credit, I would pay no charges - is that right?
I wouldn't have a cheque book, but that's not a problem.
So I will pay €40 a year instead of the €80 or so on my credit card.
A key factor will be how the Credit Card treats cash withdrawals. Are all credit cards the same?
Eilis
I use a credit card only rarely, mainly on holidays, and so I am an additional user on my brother's card.
Could I replace my current account with a credit card and if so, which one?
I would pay my salary into it and take the direct debits out of it. I would withdraw cash, but as my card would be in credit, I would pay no charges - is that right?
I wouldn't have a cheque book, but that's not a problem.
So I will pay €40 a year instead of the €80 or so on my credit card.
A key factor will be how the Credit Card treats cash withdrawals. Are all credit cards the same?
Eilis