The new HFP chat thread – Tuesday 14th July

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• oafcmetty says:

  14 Jul14 July 17:19

  I have a Creation IHG free night voucher which expires at the end of 2020. T&C seem to suggest both the booking and the actual stay have to be within this date, however if I try and book into 2021 it’s offering availability.

  Anyone know if I’ll run into problems doing this, or will it go through fine?

  • Rob says:

    14 Jul14 July 18:02

    No problem – unless you end up cancelling the stay, of course, because you won’t get the voucher back as it has passed its expiry date.

    • oafcmetty says:

      14 Jul14 July 18:06

      Thanks Rob – now, where to book?!?

      Was just looking through a flyertalk thread on best UK IHG properties. Few comments in there by a chap called Raffles – he sounds like a character 😉

      • lumma says:

        14 Jul14 July 21:32

        The gentleman thug?

        • Lady London says:

          15 Jul15 July 12:52

          that gentleman

      • Chrisasaurus says:

        15 Jul15 July 09:35

        Well he sure knows his ICs!

• Jonathan says:

  14 Jul14 July 17:20

  Got a letter today from Virgin Money KYC Department wanting proof of funds etc. Is this good/bad/indifferent?

  • Pat the Postie says:

    14 Jul14 July 18:49

    For what a savings or credit card? They are quite strict in general.

  • Secret Squirrel says:

    14 Jul14 July 19:01

    Jonathen:
    How much are you putting through a month in relation to your credit limit?

    • Jimbob says:

      14 Jul14 July 19:53

      Would be good to know some figures.
      I’m currently making good use of a different branded premier MasterCard, half expecting a call or letter.

    • Jonathan says:

      14 Jul14 July 22:32

      Virgin Rewards+ card. Credit limit is £25k and putting through £15k ish a month on it.

  • Genghis says:

    14 Jul14 July 22:17

    I got shut down in late 2018.

  • The Urbanite says:

    15 Jul15 July 01:41

    If MSing more than your income KYC/proof of source of funds prep is boring but crucial if you want to stay in the game.

    Try and establish why they are KYCing you. Is your spend covered by the level of income you have declared to them? Do they think you are using the card for business purposes, or do they think you are doing MS or ML? If it’s genuine and personal spend they should be content with proof of source income or savings. If you are MSing, consider the business – are they MS friendly? What do we know about Virgin Money?

    Knowledge of the business and their intentions should inform the way you frame your response.

    • WaynedP says:

      15 Jul15 July 08:47

      ML = money laundering, I presume
      MS = ?

      • The Urbanite says:

        15 Jul15 July 09:33

        Manufactured spend.

        • WaynedP says:

          15 Jul15 July 23:16

          Ahh, thx. What Curve refers to as “cash recycling” in their T&Cs then.

          My education continues. All I need to do now is work out what Ernie and Seagull refers to. Suspect the former could be related to NS&I premium bonds, but could be way off as I can’t imagine why investing money in NS&I within legal limits should be spoken of in coded language.

          Mind you, I wasn’t sophisticated enough to think of the concept of cash recycling until pointed out to me by others.

• John says:

  14 Jul14 July 17:33

  O’Leary throwing the toys out of the pram again. 92% of Ryanair flights not subject to Dublin government’s restrictions.

  https://www.rte.ie/news/business/2020/0714/1153228-ryanair-flights/

  • Callum says:

    15 Jul15 July 04:40

    But the 1000 flights that they have cancelled between the UK and Ireland are covered by the restrictions, so I don’t see the relevance in it only being 8% of their enormous network?

    I don’t particularly care about Ryanair, and they are clearly only interested in their bottom line, but it seems like a valid argument for them to be making (and a valid response from the Irish government would be “tough”).

    • Lady London says:

      15 Jul15 July 12:54

      +1. succinctly put.

• Munch says:

  14 Jul14 July 21:14

  Just received my second 10,000 bonus points on my IHG credit card following the recent offer. I believe a few people were still waiting – probably worth checking your account.

  • BigSi says:

    14 Jul14 July 21:52

    @Munch. Thanks for your post, I was waiting and just checked my IHG account and the points have arrived.

  • Vit says:

    14 Jul14 July 21:53

    Thanks. Mine just been posted as well. 🙂

    • Crafty says:

      22 Jul22 July 14:04

      Thanks, mine as well. Maybe it was all one batch.

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