The new HFP chat thread – Friday 14th August

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• VivaLaRevolution says:

  14 Aug14 August 10:51

  For those who like to violate terms and conditions:

  Topping up and transferring £8k in 40 days was enough to leave a certain banking app revolted with my behaviour.

  Got a warning message in the app. Stop using us to earn points or we’ll shut you down.

  • mr_jetlag says:

    14 Aug14 August 12:06

    Metal, Premium or Pleb?

    • VivaLaRevolution says:

      14 Aug14 August 12:20

      The revolving one not the curvy one

  • Rossy says:

    14 Aug14 August 13:17

    Were you literally bank transferring balances straight back into your current account?

    • VivaLaRevolution says:

      14 Aug14 August 13:48

      No, none to my account.
      A little spending, a little ATM, and mostly paying CC accounts by card or by transfer.

      Always been fine at lower levels but done about double the previous usual in the past month+.

  • memesweeper says:

    14 Aug14 August 13:41

    Glad to hear you at least got a warning.

  • Anna says:

    14 Aug14 August 14:16

    I think we need a 2nd account in my OH’s name.

• Alan Gelfer says:

  14 Aug14 August 11:02

  Does anyone know if I can add a minor to an adult RFS Booking online as cannot get through to call centre? Thanks

  • BS says:

    14 Aug14 August 13:21

    Child under 2 for your lap, then yes. If they want their own seat or are >2y, then no – they will need their own booking, but make sure it is linked to the parents’ booking to ensure they sit together.

• 1nfrequent says:

  14 Aug14 August 11:25

  Anyone had experience of trying to get a refund from a Singapore Accor hotel? The global policy said that you could have a refund for an advance purchase stay and the Swissotel confirmed this when I emailed them and said the refund would take up to 21 days to process. 5 weeks later still no refund. Contacted them to chase and was basically told I have to keep waiting but this time no notification on how long it would take to get done.

  Should I hang tight and wait or go straight to my credit card company?

  1F

  • Lady London says:

    14 Aug14 August 13:58

    Try once more politely. Tell them if the money isnt back in your account wuthun 7 days you will do a chargeback on your card.

    Merchants really, really dont like this as ut seems chargebacks ding their record with card companies meaning cards will hold money rather than pay it to them, for much longer periods than normal in future as surety.

    • meta says:

      14 Aug14 August 14:29

      Plus there is an extra fee charged to merchant ranging from £50-100 per chargeback depending on the card used.

• Stuart H says:

  14 Aug14 August 11:27

  Hi, i might have missed it being reported but has the 1 tesco point per £1 spent on fuel at tesco petrol stations using tesco credit card as the clubcard been changed…. I got 1 point per £2 spent yesterday

  • Rob says:

    14 Aug14 August 11:42

    Thanks, hadn’t seen this.

  • John says:

    14 Aug14 August 12:08

    Do you know when it was meant to be changed? I got 1 point per £1 in July

    • Genghis says:

      14 Aug14 August 20:51

      And me on Sunday.

• Nick G says:

  14 Aug14 August 12:48

  I have an Amex gold coming up to 12 month mark so need to refer my wife for her to gain the new card to prevent the £140 fee.

  She was previously a card holder before I took over last year. Am I right in thinking I get no bonus for referring her?

  • Peter K says:

    14 Aug14 August 13:18

    You get a bonus as a referrer. She gets no bonus for having been referred.

  • Genghis says:

    14 Aug14 August 20:52

    Remember the extra 3k supp bonus

• Nick G says:

  14 Aug14 August 12:50

  Currently an Amex gold card holder coming up to my 12 months so want to refer my wife to prevent the £140 fee. She was previously a gold card holder last year before I took over (so within 24 months)

  Am I right in thinking I get no bonus for referring her?

  • Rob says:

    14 Aug14 August 12:56

    You will get a bonus for referring her, but she won’t get a bonus when accepted.

• FFoxSake says:

  14 Aug14 August 12:53

  James mentioned yesterday:
  “With Curve the recycling is endless really… IHG > VA > MBNA > VA > IHG”
  Just tried paying VA bill via Blue Crv… first with underlying MBNA and then IHG… both declined.
  Was the earlier comment for Metal only?

  • AJ says:

    14 Aug14 August 13:06

    yes, you’ll need metal to avoid the fronted fee. See: https://support.imaginecurve.com/hc/en-gb/articles/360003822818-For-which-transactions-will-Curve-Fronted-fees-apply-

  • Graeme2 says:

    14 Aug14 August 13:20

    Surely stop you at some point even if you have metal?

    • memesweeper says:

      14 Aug14 August 14:00

      If any of the service/credit providers do a source of funds check and see things spinning in circles expect their wrath immediately.

      • Jonathan says:

        14 Aug14 August 14:08

        Agree, blatantly cycling credit is so easy to spot & so hard to defend that it’s not worth the bother unless you’re happy to end your relationship with 3 card companies at once (especially if some of those cards have valuable benefits & are no longer available. There’s definitely safer ways to play the game.

• SPanch says:

  14 Aug14 August 13:09

  Got an email offering the following:

  From 6 August to 1 October 2020, if you choose to use your Membership Rewards points to pay for almost any item on your Card statement, you’ll receive a huge 50% boost to their value! From the weekly shop to a weekend treat, Use Points towards Purchases and see them go so much further.3

  Worth using paying for points?

  • Jonathan says:

    14 Aug14 August 14:06

    Gold card I assume? Rob did an article the other day.

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