The HfP chat thread – Thursday 2nd September

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General

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Swiss Jim says:

2 Sep2 September 19:11

Anyone else finding Revolut top ups not posting to Solihull? Usually post very quickly – I’ve now got some going back several days not even showing in pending. Money has long gone from Revolut.!!
- John says:
  
  2 Sep2 September 19:39
  
  Regular creation transactions for normal shopping are also taking a long time to post
- KBuffett says:
  
  2 Sep2 September 19:56
  
  Did you use the debit card or a BACS transfer?
  - SteveJ says:
    
    2 Sep2 September 21:11
    
    Debit card 🤣, good one
Jumble Tales says:

2 Sep2 September 19:59

Expertise needed. My partner has emigrated from HK to UK (British national overseas) What is the best way to get her into the points/credit card system? She has been HSBC premier / several Amexes etc. in HK for years but had to resign her job to emigrate but not yet fixed up in UK . HSBC refused credit card as did Amex (despite their global transfer stuff) citing that she would need UK employment history.
- KBuffett says:
  
  2 Sep2 September 20:11
  
  Difficult to apply for a credit card when you are not credit worthy (i.e. zero income).
- John says:
  
  2 Sep2 September 20:30
  
  Too late now but she should have opened a UK HSBC premier at the international section of HSBC HQ in Central (HK) back in 2019, they may even have given her a UK credit card (they were doing that in 2017, and even offered UK mortgages to HK residents if they had the cash invested with HSBC).
  
  Amex wouldn’t have done it before the BN(O) visa was available, and you still need to have an income. If she has substantial assets she could appeal the decision
  
  She’s probably going to have to just do it the hard way now, at least she can get on the electoral roll which helps
- Liam says:
  
  2 Sep2 September 22:33
  
  Can you add her as an authorised user on one or two of your cards? I assume that would reflect positively, to some extent, on her credit score.
  - Youllnever says:
    
    2 Sep2 September 23:23
    
    I don’t think being an authorised user affects her credit report at all since she isn’t the one responsible for the bill? It might be taken into account internally with Amex when she applies again though.
Tom says:

2 Sep2 September 20:43

Can someone remind me where to get the £20 (I think) day 2 test for NHS staff? Thanks!
- MD says:
  
  2 Sep2 September 21:18
  
  Haven’t needed it myself yet, but apparently it’s this:
  https://covidtests.everythinggeneticltd.co.uk/pre.php
  - Tom says:
    
    2 Sep2 September 21:52
    
    Thank you! Can only see the offer for Paramedics now so maybe the generic NHS one comes back before I need it next week!
    - Craig says:
      
      2 Sep2 September 22:36
      
      They pulled it for NHS, paramedics only now. Very odd.
BSI1978 says:

2 Sep2 September 21:29

5 articles, not including the chat, today. Does this mean there’ll be zilch tomorrow Rob/Rhys….?!
- Peter K says:
  
  2 Sep2 September 21:32
  
  Probably 1, to make an average of 3 per day, plus the chats.
  - Rob says:
    
    2 Sep2 September 22:03
    
    Correct!
Booker1989 says:

2 Sep2 September 21:31

I have created a PLF gov.uk account saving basic details ready for when I need to complete it 2 days before my return from Greece. I tried to log into it tonight but my password is not recognised no will it let me reset it. Anyone else experiencing same?
- Bigmaggot says:
  
  2 Sep2 September 22:10
  
  In Greece too and doing forms.
  
  I couldn’t login either, BUT, it turns out the email address is case sensitive after I reset my password!!
  - Booker1989 says:
    
    2 Sep2 September 22:46
    
    Ah! Thank you. Only this govt could want a 14 digit password and make email address case sensitive !
    - Bigmaggot says:
      
      3 Sep3 September 06:55
      
      I know it’s ridiculous! It was driving me nuts as I knew my password was correct 🤦‍♂️
AnotherUser says:

2 Sep2 September 21:38

How long is the first avios to nectar conversion taking nowadays? Also, if I use them to make a large-ish purchase from an eBay seller, will I still be covered by Section 75 credit card protection if I pay a small amount on my credit card?
- Peter K says:
  
  2 Sep2 September 22:09
  
  If over £100 then even a small amount directly (eg not via PayPal) by credit card is fine for cover.
- AJA says:
  
  2 Sep2 September 22:20
  
  Interesting question. Can’t answer the Avios to Nectar time but the second question I think paying a small amount on credit card and balance in NP won’t work for s75 protection as eBay is an intermediary. I think it has to be direct with the retailer. Also would have to be over £100 in value to be covered by s75.
  - Youllnever says:
    
    2 Sep2 September 23:26
    
    +1 of my understanding regarding the Ebay intermediary issue since they’re a marketplace like Amazon. I think it’s a bit of a grey area as I can see both sides of the argument.
    - AnotherUser says:
      
      2 Sep2 September 23:49
      
      Thanks! And has anyone done an avios to nectar transfer recently?
      - Bobby says:
        
        3 Sep3 September 05:40
        
        They should be instantaneous
AnotherUser says:

3 Sep3 September 08:14

Thanks!