Credit card use?

s7eve.c

s7eve.c

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Steve
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Just a question regarding the use of a credit card to purchase gear, I'm looking to upgrade and have a 12 months 0% card upto £2000, what I want to know is that certain sellers won't accept the card but will other ways, take Kerso for instance, how would I go about using my card to purchase from him? is there a way of transfering money from the card into my bank? :shrug:

TIA :)
 
paypal????????

don't know if Kerso accepts that but if he does, then set up your paypal account with that card and go from there.........

Just a word of warning about the 12 month interest stuff........ make sure it's cleared in time as often the APR at 12 months and one second is pretty strong!
 
Lynton said:
paypal????????

don't know if Kerso accepts that but if he does, then set up your paypal account with that card and go from there.........

Just a word of warning about the 12 month interest stuff........ make sure it's cleared in time as often the APR at 12 months and one second is pretty strong!
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Yeh I've read all the small print on this one and will no doubt pay it off before, as for paypal, can I just add this card to the same account I've already got?
 
s7eve.c said:
Yeh I've read all the small print on this one and will no doubt pay it off before, as for paypal, can I just add this card to the same account I've already got?
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Yes you should be able to, just make sure you choose that card when choosing payment option.

Kerso does accept Paypal, but he has a surcharge of (I think) 1.5% due to Paypal fees - worth e-mailing / PMing him to make sure

Enjoy your spending spree :thumbs:
 
Don't leave it till the last minute with paypal, it can take time to get a new card set up.
 
Pay pal also will charge you for using a credit card.
 
I think Virgin allow you to transfer balances from uou C/C to your bank account! If you get a 12 month 0% on balance transfers, transfer the cash then pay kerso by bank transfer!

You will pay 3 or 4% on a balance transfer though, and never buy anything with the card as you will pay interest on it until the 0% balance is cleared!
 
Still a bit confuzled here :bonk:

Right, it's a Tesco 12 month 0% card with £2000 limit, what I'm after is a 5DMKII and I've also got a bit cash to pay towards it aswell, what would be the best way to go about purchasing this? I'm clueless when it comes to CC/Charges etc probably my first and last to be honest but I've been hanging on too long now for one (the price will probably drop when I get one :D


Cheers
 
Ziploc said:
Pay pal also will charge you for using a credit card.
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That would depend on the person to whom you're sending money.
 
Ziploc said:
Pay pal also will charge you for using a credit card.
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Only if you send the money as a "gift". If you are paying for goods or services the payee gets the charge.
 
One other thing, don't use your CC like a cash machine and take cash out - Money out will incur a daily charge too!

Paypal should be ok if you set up your CC. Pay what you want to pay with PP and use the cash in your bank to do a bank transfer to Ian (Kerso).

Ian should be able to explain what you need to do and will give you the account details.

JD
 
I assume that using paypal in this way is not like withdrawing money on your credit card? Cos they do charge a silly 28% (ish) from the day you take the money off on cash advances....
 
s7eve.c said:
Still a bit confuzled here :bonk:

Right, it's a Tesco 12 month 0% card with £2000 limit, what I'm after is a 5DMKII and I've also got a bit cash to pay towards it aswell, what would be the best way to go about purchasing this? I'm clueless when it comes to CC/Charges etc probably my first and last to be honest but I've been hanging on too long now for one (the price will probably drop when I get one :D


Cheers
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I got a tesco credit card with 12 months interest free to buy my Mac - just make sure to pay the minimum each month otherwise you get charged monthly which is unlike most interest free which will allow you the whole 12 months without making a single payment.

I planned to pay mine off after 10 months of equal payments so it gives me a couple of months extra to allow for a catastrophic month - 3 new tyres, car insurance, mot and service, then a week later a £10 part went but needed to have all electrics checked costing over £100 - but I still made the regular payment of £150 off the so was quite pleased
 
I just pay my card off every month and live within my means.
 
aligibbs said:
I assume that using paypal in this way is not like withdrawing money on your credit card?
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No it's not, as it's classed as a payment to a person/company, and not a cash advance as from a cash machine :)
 
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