The HfP chat thread – Friday 30th October

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• KS says:

  30 Oct30 October 17:05

  Small tidbit, my OH got Wheely £50 Amex offer after 2 rides. She created a new account and requested a ride right then, that results in 2 transactions on the card (One for £12 and another for any charge above it). The next ride triggered the offer.

  • Harry T says:

    30 Oct30 October 18:42

    Nice work.

• Matthew says:

  30 Oct30 October 18:39

  HSBC Premier question. What constitutes an investment? Can I open any ISA and bang £100 in it or does in need a monthly amount added? Does it need to be a stocks & shares ISA to qualify? Any advice/experience of this greatly appreciated. Many thanks 👍

  • memesweeper says:

    30 Oct30 October 18:47

    Life insurance is another option. Need not be expensive. Mucking about with investing is too much hassle for me.

    • Matthew says:

      30 Oct30 October 19:08

      Good point. Will have a look thanks.

  • Genghis says:

    30 Oct30 October 19:42

    Former. Can be a GIA.

  • Mouse says:

    30 Oct30 October 20:33

    I have about $4k in a money market fund within the stocks and shares ISA, so steady 1% income, essentially zero risk and all the Premier benefits.

  • the_real_a says:

    30 Oct30 October 21:46

    Premier is a negotiation. I explained i wasn’t going to transfer money in from another bank on standard HSBC rates, but would be happy to do this after Premier was processed. This was processed.

    • Jimbob says:

      30 Oct30 October 22:26

      Agreed, I don’t think they are too bothered by the investment part, as long as income meets minimum criteria.
      I’ve never held any HSBC investment products, and had no problems applying

      • MD says:

        30 Oct30 October 22:34

        Agree Jimbob. Had the initial meeting and income exceeds the criteria by a factor of whatever, got the account and credit card no problem, and they’ve never raised the need to invest anything with them since then.

  • Matthew says:

    30 Oct30 October 23:38

    Perfect. Will just go on income for now then and see what they say. Thanks all for your replies.

    • Polly says:

      31 Oct31 October 06:37

      It should be enough, but you will probably have to have the face to face meeting to open the account. Don’t bother with the elite for now, if not travelling.

• Jay says:

  30 Oct30 October 21:51

  The BA you can change your flight but must pay a fare different rule, is it fare difference flat out, or only if the same fare class isn’t available? E.g., If I pay £500 for for a flight in fare bucket N, but need to change the flight to another day that still has fare bucket N selling, but for £600, would I need to pay a £100 fare difference, or am I ok because I have a ticket in the same fare bucket?

  • Andrew says:

    30 Oct30 October 22:33

    I think it’s just whatever the current ticket price is minus whatever you paid for the one you want to change from. I know some airlines so the fare bucket calculation but BA are a bit tighter than that usually.

  • ChrisC says:

    30 Oct30 October 22:51

    N is specific rules for the fare NOT a specific cash amount. So if the N fare is £100 more then yes you have to pay because this is a change instigated by you

• Murray says:

  30 Oct30 October 22:11

  Amex Platinum cardholders, has anyone else received the Harrods offer since the first batch of arrivals last Saturday? I know it was reported that we should all get the offer but as of yet, I haven’t had anything.

  • TGLoyalty says:

    30 Oct30 October 22:16

    Didn’t think it was live till November 2nd?

  • Mouse says:

    30 Oct30 October 22:18

    I haven’t had any communication. Will try it out next week regardless and see what happens.

  • Andrew says:

    30 Oct30 October 22:30

    Brighton confirmed to me that it was for all Platinum members (primary only) and read out the T&Cs – so as the call is recorded by them I’m taking that as verbal contact. It was slightly odd that a few people were written to in the post, 10 days before the offer was even to go live. I’m guessing come Monday morning it will show up in the offers tab as usual.

    • Harry T says:

      31 Oct31 October 00:20

      Thanks, Andrew! Something to look forward to.

• Crafty says:

  30 Oct30 October 22:17

  Would be lovely if someone with a “clean” recent record could contact Barclaycard and enquire after our Hilton Honors points. I don’t want to do so myself at the moment for reasons I’m sure you all understand.

  • The Urbanite says:

    31 Oct31 October 02:24

    They will come eventually! The “extra” points were over 2 weeks late last month but they did show up!

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