The HfP chat thread – Friday 16th October

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• YC says:

  16 Oct16 October 15:12

  5,000 MR retention offer from calling Amex Gold. Can’t remember what others were quoting here… Better than nothing I suppose

  • Flying Misfit says:

    16 Oct16 October 15:32

    for all those getting the 5,000 retention offers, is this for Gold Credit or have some received the offer for Gold Charge (those who may still have one from yesteryear or have downgraded from Plat)?

    • stevenhp1987 says:

      16 Oct16 October 15:45

      Mine was Gold Credit.

    • Super Secret Stuff says:

      16 Oct16 October 17:35

      Tends to be gold credit card. Not sure youd get it for the charge card as it is a discontinued product

    • Sina says:

      16 Oct16 October 23:23

      I got 6000 MR points and X3 points on all purchases for 3 months, – Gold Charge card.

• BuildTheWall says:

  16 Oct16 October 15:52

  Gold card (or any premium card) – how long do we have to wait since getting it before applying a supplementary card for the bonus points?

  • Aston100 says:

    16 Oct16 October 17:03

    I’ve done it as soon as the physical card arrived through the post (for the main card holder).

• BP says:

  16 Oct16 October 16:18

  If I pay Ernie using Bendy with the Elite card from the world’s biggest bank. Can I expect to pay interest or other fees?

  • Jonathan says:

    16 Oct16 October 16:27

    Not sure of the specifics mentioned but in general I wouldn’t play those games with HSBC. They’re quite trigger happy if they get any whiff of game playing.

    • Blenz101 says:

      16 Oct16 October 16:50

      Agreed. Let’s assume you mean HSBC. In which case, danger. The Premier account account and associated cards come with your own personal banker who will be looking over your account (albeit with a view to sell you something). If you play games here expect to be shut down and potentially have trouble in the future opening other accounts if HSBC flag you.

      They are highly risk averse at the moment and your suggested activity either to game them of points or what they may see if repeated as laundering is not going to end well.

    • BP says:

      16 Oct16 October 16:54

      Good to know. I’ll start small with them and build up. Maybe my initial £7k investment was a bit much but they have given me a £30k credit limit. That’s a lot of avios to be had.

  • Genghis says:

    16 Oct16 October 16:44

    Biggest? Not sure what JPM (by market cap) / ICBC (by BS size) card you’re using? 🙂

    • Aston100 says:

      16 Oct16 October 17:04

      Bank of mum & dad.

  • Nigel says:

    17 Oct17 October 17:51

    Ive never had issues with the bank in question!

• John W says:

  16 Oct16 October 16:48

  Best Annual Travel insurance with Covid included please ! – My sainsburys policy is due for renewal and they do not cover everything , Thanks in Advance !

  • Aston100 says:

    16 Oct16 October 17:11

    I’ve heard people talking about trailfinders.

  • Michael C says:

    16 Oct16 October 17:12

    Staysure tend to be generally sound.

    • Jill (Kinkell) says:

      16 Oct16 October 17:41

      I completed on line form. Got a quote ,but didn’t take it forward. Then next day, email from Staysure offering 15% off quote and extending extra 3 months to January 2022. Still ploughing through fine details of current insurance ….again!

      • meta says:

        16 Oct16 October 19:07

        I’ve looked at all policies. None of them offer a comprehensive covid cover. Some offer medical covid cover, but exclude cancellation. Some other way round. Until this is over for European trips, I won’t be taking any insurance. Rather I am going to rely on EHIC (have it even after Brexit due to dual nationality) and booking everything fully refundable or with small fees. For long-haul if we are allowed to travel where I want to go, I will be taking medical cover one only and book everything refundable.

        • Sukes says:

          16 Oct16 October 21:23

          Hi Meta I completely agree that insurance now being sold postCovid seems pretty worthless and too risky to rely on. I was interested in your comment about dual nationality as EHIC eligibility is based not on citizenship but country of residence. Without prying into your circumstances….can you explain how your EHIC is continuing? Of course I am assuming you are UK resident but I could be wholly wrong. Cheers

• Ilga says:

  16 Oct16 October 17:13

  Does anyone know if the Virgin Atlantic Rewards+ deal (double points on all Virgin Atlantic/Virgin Holiday spend until the end of October) covers the points booster?

  • dezbez says:

    16 Oct16 October 23:11

    Don’t think so as that’s run by a third party apparently, so won’t register

• Craig says:

  16 Oct16 October 17:18

  Anyone else ever had all the offers disappear from Amex, maybe just a short-term glitch?

  • rams1981 says:

    16 Oct16 October 17:21

    yep on my cards.

    • Craig says:

      16 Oct16 October 17:22

      Ta.

  • Harry T says:

    16 Oct16 October 17:35

    I’m currently getting an error when I try to load them in the app.

    • Harry T says:

      16 Oct16 October 17:37

      Just checked – not showing any offers online in any of my card accounts. This is why it’s worth screenshotting good offers you’ve saved. It’ll almost certainly get fixed though.

  • Aston100 says:

    16 Oct16 October 17:48

    hashtag me too

    • Andrew says:

      16 Oct16 October 17:53

      Maybe they’ve taken it down to load lots of exciting new 5% back offers for niche e-commerce start ups 😉

      • Aston100 says:

        16 Oct16 October 18:00

        There were only so many Brooke & Wilde mattresses one would need.

        • Andrew says:

          16 Oct16 October 18:10

          And I’ve run out of windows to put up a bespoke blind

        • KS says:

          16 Oct16 October 18:22

          Or try stacking those mattresses. Like some are doing with the offers 😉

• Fred S says:

  16 Oct16 October 17:59

  Curve: had an email requesting info on my business as I have the business curve card or otherwise they’re saying they’ll issue a personal curve card. What’s the difference between the 2? Is the business version better?

  • Pid says:

    16 Oct16 October 21:16

    No difference as far as I can tell. They did the same to me a few months ago.

• Boi says:

  16 Oct16 October 18:05

  For those who have used transferwise and pay by credit card is it treated as cash or purchase?

  • S says:

    16 Oct16 October 19:30

    cash

  • Mr. AC says:

    16 Oct16 October 23:59

    Creation via Curve: no cash advance fees but interest charged as though it was cash.

  • The Urbanite says:

    17 Oct17 October 00:55

    It depends on which credit card you are using.

This article is closed to new posts. Discussion continues in the HfP Forums.