Send your children on the British Airways work experience scheme

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• Paul says:

  19 Dec19 December 12:13

  Any possibility of getting the Amex travel offer added to a BAPP, although not showing in current offers?

  • Adam says:

    19 Dec19 December 12:40

    no

• Steve S says:

  19 Dec19 December 12:26

  OT. Will surveys done on E-rewards that previously transferred to Avios .com now credit to the linked BA account?

  • Stevie G says:

    19 Dec19 December 13:01

    Yes

  • Steve S says:

    26 Dec26 December 12:49

    Just found the missing E-Rewards points in my Aerclub account which as the old Avios number. May be worth checking your accounts.

• Benylin says:

  19 Dec19 December 13:17

  OT: looking to buy a car, how much does it cost the dealer to take debit card Vs credit card (MasterCard)?

  • John says:

    19 Dec19 December 14:33

    Only the dealer will know

  • TM says:

    19 Dec19 December 16:16

    In theory, credit card surcharges are banned…

    • Shoestring says:

      19 Dec19 December 17:06

      Not true. How about personal vs corporate credit cards?

      And I think you are hinting that you think the dealer couldn’t care less which card you pay on, as he’ll end up paying the same fee to the credit card co. Far from it.

      • Dale says:

        20 Dec20 December 14:09

        Well it’s consumer protection legislation so obviously doesn’t apply to business cards. B2B can still carry a surcharge.
        But credit card surcharges for consumer transactions are banned, it’s not theory.

• Benylin says:

  19 Dec19 December 13:19

  OT2: 0% spend / balance transfer cards, being offered for 26-28mths by Sainsbury’s, Santander, Halifax.

  What kind of credit limits have people received on these and is it a material impact on credit score? Trying to see how much of my car purchase I can fund on 0%.

  • Steve says:

    19 Dec19 December 13:27

    £14k and £10k on my two BT cards (I am in the process of refreshing my 0% period by switching borrowing to new card) – I think the limit depends on income and possibly home owner status. The impact it has on your credit score is that car loans are looked at more favourably as a debt rather than credit card borrowing (regardless of this being at 0% compared to car loans). I think Experian credit scores are impacted when debt is at either £10k or £20k sorry cant remember which, there are other factors such as % of borrowing compared to your aggregate credit limit.

    • Callum says:

      19 Dec19 December 13:42

      It absolutely does depend on income and homeowner status (how could it not!), amongst a myriad of other things including how much existing credit you have, how much existing credit you’re using, what type of debt you have, whether you’re on the electoral roll, how long you’ve been at your address, how long you keep your credit accounts for, whether you’re making payments on time etc etc

      Experian credit scores are beyond useless, and they aren’t impacted by being £X in debt – that’s ridiculous if you think about it. A millionaire who is £50,000 in debt is a much safer bet than an unemployed person with £5000 debt.

      I also highly doubt that, on a typical report, a car loan would be seen as better than a credit card by most/any lender. Perhaps if you’re already oversaturated with credit card debt it will be better, but you can’t make a generic statement like that.

      • Steve says:

        19 Dec19 December 20:32

        Not a generic statement callum, I am talking from my experience, though if you like a quick search on google will tell you the difference between how loans and credit card debts are treated differently. The full experian reports tell you in detail the negative and positve impact on your score, I have both a car loan and borrowing on balance transfer cards, when my card borrowing reached £10k it had a negative impact, where as when I dropped below £20k on my car loan it had a positive impact, when my car loan dropped even further to below £10k it made no difference. Moving either side of £10k on my credit card always had a relative impact.

      • Callum says:

        19 Dec19 December 20:54

        Ok Steve I’ll correct that – an anecodatal statement, so even worse than a generic statement!

        Your figures are nonsense. Not only do they ONLY apply to you, what Experian thinks is neither here nor there. They aren’t the ones lending the money.

        You clearly do not understand how credit reports work properly, as evidenced by you not even being able to give a certain answer as to whether income affects what credit you can get – it’s an incredibly obvious “yes”. I don’t mean to be disparaging as you do seem to know more than most and its great you’re taking a keen interest, I just don’t think your advice is particularly good. Sorry!

      • Steve says:

        19 Dec19 December 21:47

        Callum I thought OP was looking for anecdotal evidence when he asked what kind of limits people were getting, I think the question would have been what is the algorithm used by credit card companies if OP wanted non-anecdotal statements. I am no expert like you for sure hence the ‘maybes’ and the ‘i thinks’ I am offering my experience. Though what puts me into doubt is how you think credit card debt and loans are treated the same, I am sorry but that is quite basic. To be clear you know mortgages are treated differently too right? And maybe I am wrong I thought credit card companies get their info from the likes of experian when deciding if they are going to offer the advertised rate (something about only 51% of people need to be offered the rate advertised) and deciding on credit limit. Maybe I am wrong and should keep my nose out while you offer sound advice like ‘try it and see’ and ‘you will probably get a decent limit’ well obviously OP can do that but no harm in finding out about others experience, but what do I know i just a keen but rubbish giver of advice

      • JP says:

        19 Dec19 December 22:07

        Rubbish, medium term loans (i.e. installment debts) always has less impact on your credit score than a credit card debt (revolving debt), of comparable value.

    • Benylin says:

      19 Dec19 December 13:54

      BT as in British Telecom?

      Was wondering if anyone had any specific experience with Santander / Halifax / Sainsbury’s.

      Obviously this is a how long is a piece of string question, but trying to put the car on credit card Vs taking a car loan / personal loan out as it’s going to be cheaper.

      • David says:

        19 Dec19 December 13:57

        I assume BT is for Balance Transfer

      • Anna says:

        19 Dec19 December 14:39

        You’ll need to find a dealer who will accept large credit card payments. A lot of them will only take small deposits on cards and insist on bank transfers for the rest.

      • Callum says:

        19 Dec19 December 14:51

        You’re not going to know if it’s a viable option until you apply for them.

        If you have a good, solid credit history with lots of repayment history, no bad things and a small amount of available credit you’ll probably get a decent limit. Unless someone here is willing to go through your credit report line by line for you, you aren’t going to get any more accurate advice than that (which you weirdly seem to know, but are still asking for regardless!).

        As to paying for the car by card, ask your dealer. How are we meant to know what they’ll take when we don’t even know who they are! Saying that, I cash out my 0% cards by withdrawing cash over the counter from my Halifax Clarity card then paying it off with the bank transfer. A bit convoluted if you don’t already have the card though.

      • Callum says:

        19 Dec19 December 14:53

        Sorry that should read that I pay off the Clarity card with a Balance Transfer.

      • Steve says:

        19 Dec19 December 20:35

        Historically always rejected by Sainsburys, recently accepted by Halifax, previously, nearly 2 yearas ago, accepted by Barclaycard

• Liz says:

  19 Dec19 December 14:11

  I booked yesterday for Avis for next May – as long as it’s prepaid now it will work. I received the activation email straight away.

• aceman says:

  19 Dec19 December 17:12

  Got £200 back on £600 spend, second time for me, successfully used it the last time it appeared too, so quite pleased. Not sure I can use it this time though, annoying since I just booked a few flights…

  Works easily over multiple transactions and even over multiple statement dates…. I did mine booking 3 lots of £200 flights over a 2.5 month period.

• Tom1 says:

  19 Dec19 December 17:58

  O/t EC 261 help please

  My brother and his wife had an eligible flight cancelled yesterday morning by email, for a flight that same evening. They were given new flights the following day, around 12 hours later but they were no good in terms of their schedule.
  Short flight, so I think 250eur.. but how do I help them find the reason the flight was cancelled? Just ask the airline? Or another way?
  Thanks.

  • Rob says:

    19 Dec19 December 18:03

    Doesn’t matter. It is up to the airline, if they refuse to pay, to provide proof of an acceptable reason for cancellation – and very few reasons, except weather, are acceptable.

• Doug says:

  19 Dec19 December 18:27

  OT: Received a new Lloyds Avios Amex card today as my old one expires 1/19. I had assumed they would just close it then as it’s being axed. Any ideas on what the timescale for closure is?

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