munsterman25
Registered User
- Messages
- 134
I have a credit limit on my credit card of €10k. Like yourself, I pay mine off in full every month. I have never used the credit. The only reason I keep my current card is because I might need the credit sometime. Maybe if I was stuck in Spain because of volcanoes etc.
If you have no credit limit worth talking about I would certainly switch to Tesco or Ulster Bank.
How does the government tax work if you switch cards mid year? Do you end up paying both?
My limit is 5,200 I think..........why do Tesco impose a much lower limit?
I think you get a letter from your previous card provider to say you have paid this years stamp duty and you dont have to pay again......I think
I also pay bill in full every month - and Tesco credit card works very well for me. I have AIB Visa also but Tesco card is used for all large purchases - and the points do mount up and are always a bonus.
I may in time phase out AIB Visa but haven't yet because you can't view
your transactions on line with Tesco Visa. When buying on line from companies i haven't dealt with previously I tend to use AIB Visa because I can track/monitor transaction on line. With Tesco I get a monthly bill in the post which can be some time after the original transaction.
Also - if you withdraw cash on Tesco Visa you pay interest from date of withdrawal. This is not the case with AIB Visa. You pay a one off transaction charge.
With regard to paying your bill - you can pay through on-line banking. I rang through to helpline and got their bank details. Much more convenient than writing a cheque/going to bank.
In summary - if you manage properly - the Tesco card can be used to great advantage.
Note the points don't have to be spent in Tesco - you can get 4 times the value if you go for the Deals. Mine are usually spent in Milano [€2.50 worth of points buys €10 voucher]
One last thing - as far as I can recall - the incentive to sign up covered the first year stamp duty.
Features
Introductory 3.9% APR on Purchases
- Cash Back Awards
The Platinum Visa Card includes a special offer of 0.5% cash back, on purchase spends over EUR5,000 (refunds excluded) (maximum EUR50,000) in a 12 month period. The cash back awards are calculated on a monthly basis and credited to your account on the statement date each month. Applies from the date the account is opened, and at the end of each 12 month period the offer will restart. Terms and conditions apply.
Introductory 3.9% APR Balance Transfer Rate
- New AIB cardholders will benefit from an introductory APR of 3.9% on purchases for 12 months, from the date your credit card account is opened. After 12 months the APR on purchases will revert to the standard APR, currently 11.5% (variable), allowing you to enjoy one of the lowest APRs on the market and up to 56 days interest-free credit.
More Platinum Visa Features - View More Platinum Features in our Related Information section .
- For all new AIB cardholders an APR of 3.9% will be applied on Balance Transfers for 12 months from the date your credit card account is opened. Applies to balances transferred from store cards or non-AIB cards.At the end of those 12 months the APR reverts back to the standard rate applicable to the product at that time.
Additional Optional Insurance Products -View additional product options in our Related Information section
Who Can Apply?
- AIB Customers or non-AIB Customers without AIB Internet Banking: Call us on 1890 724724 or by completing an application form at any AIB branch
Note:The APRs are variable and correct as at 9th March 2009.
- AIB Internet Banking Customers: Apply by selecting the 'Apply for ‘Platinum’ on AIB Internet Banking' link for a faster response
How long does it take to hear ANYTHING back from Tescos? I sent off my application over 2 weeks ago and nothing yet, not even ' thank you..we are preocessing your application'.
How long did it take others to get their card approved?
Thanks annetcl
Oh dear, does not sound good - no service level agreements then!!
Maybe I should go with MBA as they hound me all the time, but I wanted my Club Points as a Bonus with a Tesco CC. Oh well, just stick with AIB then.
Out of interest what number did you call them on? The CC Customer Support line wanted a Teasco CC Number - I gave up !!
Thanks annetcl
Oh dear, does not sound good - no service level agreements then!!
Maybe I should go with MBA as they hound me all the time, but I wanted my Club Points as a Bonus with a Tesco CC. Oh well, just stick with AIB then.
Out of interest what number did you call them on? The CC Customer Support line wanted a Teasco CC Number - I gave up !!
1800 555743 is the number
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?