[Tom]

Thanks BLT and Squirrel, really helpful. I want to pay PAYE, VAT and other genuine business spend, no MS or other dodgy stuff coming from me.

Shame the 10k monthly limit for Curve metal has kicked in as my PAYE alone is more than that.

[Tom]

Hi JDB, I assume based on recent posts that you work in Financial Services, you seem to have a good understanding of how these things work. I am really interested in your advice about how we should structure our claims (FOS or otherwise) with Creation. I’ve had my annual fee refunded but I am still owed a large number of points that are being withheld, plus I had hit the 10k spend for the free night since my last anniversary. Do you think it’s worthwhile pursuing? and what angle would you take?

[Tom]

Which cards have Selfridges offer? and what is the offer? I don’t have it on either my BAPP or Bus Plat. Would have been good for some Christmas shopping.

[Tom]

Sat spend. Credit on Monday