The HfP chat thread – Saturday 28th November

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

• Holam says:

  28 Nov28 November 11:50

  I have a large car finance bill to pay with black horse. Have Curve metal. Thinking to put this through IHG and Beardy. Anyone done this successfully?

  • Holam says:

    28 Nov28 November 12:02

    scratch that, they’re rejecting the curve card based on card type. Claim to only accept ‘debit cards’ – 5375 must not pass their checks

    • TGLoyalty says:

      28 Nov28 November 12:57

      Rev or Monzo might …

      Bendy to Ernie to Monzo …

    • Travel Strong says:

      28 Nov28 November 13:09

      Blue eagle also rejected my advances based on the starting numbers.

• Oli says:

  28 Nov28 November 12:23

  Just got a reminder that the Morrisons Amex offer is expiring soon. I think I read on here that some GCs are limited per transaction and its best to get the Morrisons GCs which can then be used to buy other GCs later – is there a limit on the number of Morrisons GCs that can be bought in one transaction? Thanks

  • memesweeper says:

    28 Nov28 November 13:00

    I’ve done 5 @ 250 in one transaction. I heard of people doing twice that in one go.

  • TGLoyalty says:

    28 Nov28 November 13:00

    There’s no limit on the number of cards per transaction for GCs that say £x-£xxx

    The only limit is how many you want to buy and are comfortable putting through.

    Remember you need items with some weight to add to the scale with the GC and if the amount isn’t shown just press “other amount” then type in the card max.

    The advantage of getting M’s cards is that you can convert to others at your leisure and of course for any M’s shopping. And you get More points twice.

    • Oli says:

      28 Nov28 November 13:03

      Thanks all

    • Lady London says:

      28 Nov28 November 14:26

      do we need to worry that any future useability rules might change on this? people are reporting putting in some serious amounts

      • TGLoyalty says:

        28 Nov28 November 14:43

        Good job M’s sells food and booze.

        Something nearly everyone needs.

        Never risk more than you can afford to spend.

        • Polly says:

          29 Nov29 November 17:34

          And petrol. 1250 today..should last a bit…

      • TGLoyalty says:

        28 Nov28 November 14:56

        I meant to say that of course M’s may limit the £ you can get back for example so make hay while you can.

        • Josh says:

          28 Nov28 November 18:16

          M’s could instantly change the rules so that M Giftcards can’t be used to purchase other giftcards.

        • TGLoyalty says:

          28 Nov28 November 18:40

          Of course therefore back to my the sell food and drink comment.

    • Jonathan says:

      28 Nov28 November 19:16

      I did 8 x £250 Morrisons on Thursday at a manned till with no raised eyebrows. Cashed out £500 immediately for JL vouchers at the self checkout & was getting some very funny looks doing the chocolate bar trick as you need to add a bar for every gift card (and not swipe the bar). Will probably try getting a few JLP vouchers with some shopping at a manned till next week.

      Also filled up with £50 diesel with no issues.

• meta says:

  28 Nov28 November 12:31

  Did BA extend expiry of On Business points? I thought they did by 6 months and the message on the account also states that any points expiring this year will be extended. My account is still showing some points expiring end of the year.

  • rk says:

    28 Nov28 November 21:35

    That is my understanding as well, and email from BA backs that up, maybe will happen end of year.

• Stephen says:

  28 Nov28 November 12:46

  Hi All – Took advantage of 20% off with BA late last night to book a return to Kathmandu next Oct via Doha. All the stuff I saw said had to be BA flights but DOH-KTM obv is Qatar Airways. From playing around with the permutations it looked like as long as LON-DOH-LON was BA then I could get the discount. Just wondering if others found the same thing?

• Alex D says:

  28 Nov28 November 13:03

  Sorry to re-hash something which I know is discussed a lot but I just want to get others suggestions on best use of card to card. I currently have Bendy(legacy),Seagulls(x2),Beardy,IHG and Rev. Wondering what people would suggest as best way to max out. I know I can use beardy to pay ihg. Should I upgrade to metal bendy?

  • Alan says:

    28 Nov28 November 15:45

    I have a large CGT bill to pay by the end of Jan.
    Could I use a Virgin card/Curve to pay this and generate Virgin points.

    • TGLoyalty says:

      28 Nov28 November 16:04

      Depends if your virgin credit limit is significantly lower than your CGT bill then probably not as you can only earn points up to your credit limit per statement period.

      • FFoxSake says:

        28 Nov28 November 16:20

        re: “as you can only earn points up to your credit limit per statement period” – is that true at Creation too?

      • TGLoyalty says:

        28 Nov28 November 17:32

        As far as I can tell only virgin does it.

  • Ryan says:

    28 Nov28 November 20:06

    How about we all stop giving away the trade secrets like there’s no tomorrow and let people who really want to figure it out… figure it out??

    The rate that people are going about these things, it’ll be closed up in 2 weeks

    • TGLoyalty says:

      28 Nov28 November 20:36

      Curve literally advertises the fact it can be used to pay institutions likes the seagulls for 1.5% fee.

      Curve will be shut down sooner or later when they run out of seed money.

      • Ryan says:

        28 Nov28 November 20:42

        I was talking about MS in general…

        The old ‘trade secrets’ are very much common knowledge from the last couple weeks

• Optimus Prime says:

  28 Nov28 November 13:24

  Is anyone going to try the Test & Rest package at Sofitel T5?

• babyg says:

  28 Nov28 November 13:25

  So much talk about curve, ms, etc…. this reminds me of all the talk about buying coins from the royal mint at face value/free postage… back in the day.. first rule of fight club people…

  • BINARY says:

    28 Nov28 November 13:31

    Yep, this is going to come to an end very quickly. Frozen accounts all round and points removed I reckon.

    • memesweeper says:

      28 Nov28 November 15:57

      I’ve put a small fortune in legitimate spend through bendy and the intercon, including a large chunk to ERNIE… would be livid if that comes to an end because people are sending money round in circles rapidly depositing/withdrawing.

      • TGLoyalty says:

        28 Nov28 November 16:00

        One mans real spend is another mans circle.

      • Tom says:

        28 Nov28 November 16:37

        Do you have to pay the 1.5% fee with ERNIE if you don’t have a metal bendy?

        • Holam says:

          28 Nov28 November 16:49

          no

        • babyg says:

          28 Nov28 November 18:14

          why you just try with a small amount tom…

      • Doug M says:

        28 Nov28 November 16:57

        I think you’re kidding yourself here. Any investment to NS&I is MS. Whenever it happens, that amount will come back as cash. Whether you leave it there 10 years or 10 minutes doesn’t change that.

        • TGLoyalty says:

          28 Nov28 November 17:29

          Anyone who thinks using a debit card backed with a credit card at merchants who only accept debit cards isn’t MS is kidding themselves.

          It’s the very definition of MS

      • BJ says:

        28 Nov28 November 20:02

        Well I’m sending large amounts of money round in circles but about 70% of it
        is my own money. Up to me if I move it around, up to you if you leave yours sitting.

        • Josh says:

          28 Nov28 November 23:07

          The other 30% is the company pension fund?

• ao40 says:

  28 Nov28 November 14:29

  Note the Deliveroo saving is capped at £6 a month, and Spotify at £9.99.

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