The HfP chat thread – Thursday 5th November

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Sina says:

5 Nov5 November 02:11

For self employed/directors: If you move your banking to HSBC Kinetic, you will now get personal HSBC premier without meeting premier criteria. It’s an easy way to get HSBC Premier! Not able to upgrade atm due to coronavirus but if you’re opening a new account, it would work!

https://www.hsbc.co.uk/current-accounts/products/premier/day-to-day-banking/bank-account/kinetic/
- Tarmohamed says:
  
  5 Nov5 November 02:37
  
  If I were unhappy with Barclays, I would have definitely moved by business account. I have a dormant hsbc personal account, which I’ll probably close due to the lack of a user friendly app, customer service etc. However, it’s a good idea to offer premier banking to gain business customers.
- Michael C says:
  
  5 Nov5 November 05:56
  
  Interesting, as consdering moving Business from Santander, thanks, Sina. Almost all my payments received are in €€ or USD, so will have a look at how that works with HSBC.
  - memesweeper says:
    
    5 Nov5 November 08:03
    
    I used to bill in €, and HSBC was fine for receiving and paying in €, but transfers across to the Sterling account were expensive. Find another method for that (transfer wise etc) and you’ll likely be happy.
- Amy says:
  
  5 Nov5 November 20:10
  
  What benefits are there on HSBC Kinetic? (apart from travel cover which is null during lockdown and beyond for most)
Connor says:

5 Nov5 November 02:44

Amex have received my complaint about them accusing me of allegedly falsifying my income. Just an acknowledgment email and no response yet, but now my referral link and offers that had been disabled for the past 6 months have mysteriously started working again. Glad to have them back.

On another note, 7% back on Morrisons spend above £30! Time to stock up for more cheap petrol. Shame no VS points this time round.
- MarkZ says:
  
  5 Nov5 November 03:02
  
  Thanks for the heads-up about Morrisons. You might also find a £10 off £70 at Waitrose offer, which might work very well with their 25% of 6 bottles of (certain) wines.
  - MarkZ says:
    
    5 Nov5 November 03:04
    
    … 25% off … ! Well, I am three-quarters of the way through the night shift!
  - Andrew MS says:
    
    5 Nov5 November 07:59
    
    I saved the Waitrose offer (ARCC) but now no home delivery slots available between now and 24 December
- DJ says:
  
  5 Nov5 November 07:13
  
  My Marriott card is showing 10% off for over £30 spend.
  
  The gold card is showing the 7% off for £30 spend variant.
  - Harry T says:
    
    5 Nov5 November 07:59
    
    Exactly the same for me!
- Harry T says:
  
  5 Nov5 November 08:01
  
  Shame the Morrison’s offer is one time only per card. I’m not massively keen to stock up on gift cards during a period of unprecedented economic uncertainty.
  
  Having said that, is Morrison’s still giving 10% off to NHS workers?
  - Jonathan says:
    
    5 Nov5 November 08:49
    
    Yes, extended till January. You need to register for their NHS Club with your NHS e-mail address & they e-mail you codes weekly for online or show their app & ID instore. Doesn’t work for gift cards or booze unfortunately.
    - Harry T says:
      
      5 Nov5 November 08:59
      
      Thanks, Jonathan, very helpful.
    - Anna says:
      
      5 Nov5 November 09:19
      
      Apparently the Morrisons offer is now for all Blue Light card holders. Order your wine from Laithwaite’s which gives 20% off!
  - High Grade says:
    
    5 Nov5 November 08:59
    
    Morrisons also doing 10% off for teachers.
    - Amar says:
      
      5 Nov5 November 14:32
      
      Am I right in saying that a £100 amazon voucher in store at Morrisons would be £90 at the till due to the blue light card discount? Then we receive £9 back on the Amex offer . . . ? If there isn’t a maximum, what’s stopping people clearing out the store of all of their gift cards and reselling them? 19% discount is pretty decent . . . .
      - Jonathan says:
        
        5 Nov5 November 14:52
        
        No discount on gift cards but you will get the 10%\7% Amex rebate on them if you have it. There’s plenty of people on here who went big on gift cards last year with the recurring Amex 10% back + 8 Virgin Miles/£. I think I saw reports the other day of someone still using them for their petrol!
- james says:
  
  5 Nov5 November 08:51
  
  Petrol stations excluded
Maciek says:

5 Nov5 November 03:05

Anyone else not received the Harrods offer on their Platinum card? No letter and no trace of the offer in my offers here 🙁
- Maciek says:
  
  5 Nov5 November 03:05
  
  I thought Rob said AmEx confirmed it was for all cardholders
  - Andrew says:
    
    5 Nov5 November 05:47
    
    It’s targeted unfortunately. So unless you got the letter or email you weren’t.
    - ao40 says:
      
      5 Nov5 November 07:15
      
      I did not receive a letter or email but the webchat confirmed I had been auto enrolled. Have made a purchase, offer not showing in online account. Wait to see if the credit cones through!
      - Amit says:
        
        5 Nov5 November 08:44
        
        Got mixed messages from Amex re the Harrods offer, so decided not to risk it
  - Rob says:
    
    5 Nov5 November 08:03
    
    I’m just telling you what I have in writing.
    - DB2020 says:
      
      5 Nov5 November 13:11
      
      Amex told me on 3rd November that the Harrods offer is targeted and that they have already reached the maximum number of personal Platinum card holders who could be enrolled for it.
      
      They could not explain why I have not had any offers at all, rolling out the usual platitudes, how much they appreciate my business, etc.
  - Josh says:
    
    5 Nov5 November 15:51
    
    Win some lose some. You got in a few Tallinn trips when it was cheap.
- Sandgrounder says:
  
  5 Nov5 November 06:45
  
  It only appears in your offers after you have made a purchase. For me, this was pretty much instant, others have reported the same. You can cancel an order before it is dispatched by calling customer services.
- meta says:
  
  5 Nov5 November 08:43
  
  I haven’t received the email or postal. Have done a small test purchase last night online. The transaction is currently showing pending as Farfetch Harrods. Offer didn’t appear in my saved offers. So I am waiting to see once the transaction is processed.
  - Harry T says:
    
    5 Nov5 November 09:00
    
    Me too, Meta. No idea what the Farfetch thing means.
    - Harry T says:
      
      5 Nov5 November 11:30
      
      Thanks Rob
    - Lady London says:
      
      5 Nov5 November 12:17
      
      @Anna isn’t Farfetch the company that sent you the wrong bag and claimed UK law about you having a right to a refund did apply? IIRC around last Christmas
      - Lady London says:
        
        5 Nov5 November 12:18
        
        *claimed UK law “didn’t” apply
Lynn says:

5 Nov5 November 03:09

Morrison’s offer details:
Purchases made within Morrisons cafes, petrol stations, garden centres, pharmacies, cash offices, seasonal stores or on Flowerworld or dry cleaning services are excluded from the offer.
- Connor says:
  
  5 Nov5 November 03:42
  
  Buy some gift cards in store which will trigger the offer, allowing you to use it for petrol.
DANi says:

5 Nov5 November 05:42

Note…Morrison’s offer is one time… So one mega transaction with giftcards
- BuildTheWall says:
  
  5 Nov5 November 07:48
  
  And i thought it was 10% up to £30! 🤦‍♂️
MarkS says:

5 Nov5 November 06:48

On the amex app does anyone know how to remove closed cards from the summary view? I have 4 cards showing but only 2 are actually open
- KBuffett says:
  
  5 Nov5 November 06:57
  
  I think there is an option to do so via the website
  - Anna says:
    
    5 Nov5 November 07:52
    
    Yes, click on Account Management, then Card Management and there’s an option to remove cards.
- MD says:
  
  5 Nov5 November 07:52
  
  I’m on Android, don’t know if the iOS version is the same, but in the app you can can select the Account tab (bottom right), which brings up a list of options. 7th down I’ve got Remove a Card, which lets you pick which ones you’d like to get rid of. Doesn’t matter if they’re active or not.
Anna says:

5 Nov5 November 06:51

B was asking yesterday if his flight to GCM would be running – this article seems to confirm that it will be. Interesting as from comments on local news sites suggest a number of pax are just travelling for the Christmas holidays, which technically they wouldn’t be allowed to leave home for!
Anna says:

5 Nov5 November 06:52

http://www.loopcayman.com/content/cigo-uk-confirms-no-change-cayman-ba-flights-despite-lockdown