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Best Credit Card with Quidco cashback

Adam2050 Avatar
6y, 8m agoPosted 6 years, 8 months ago
25+ Full time employement
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Adam2050 Avatar
6y, 8m agoPosted 6 years, 8 months ago
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banned#1
Don't do it.
#2
Building credit history don't worry ain't for stupid buys DLM.
banned#3
Adam2050
Building credit history don't worry ain't for stupid buys DLM.


Good stuff.

I had a Tesco credit card I loved all the extra points.
#4
DLM
Good stuff.

I had a Tesco credit card I loved all the extra points.


Ermm don't shop at tescos.
banned#5
Adam2050
Ermm don't shop at tescos.


Oh well :-D
#6
Halifax

http://www.quidco.com/insurance-finance/finance/credit-cards/halifax-credit-card/

0% on purchases for 9 months, and £20 cashback through Quidco


Tesco one is 0% for 12 months, but can't get cashback from taking it out.
#7
Adam I started the same, I do now use my credit card regularly and at the moment is a fair bit on it. This is only because of purchasing our property so I'm not paying it off until I know how we are when we finally move in.
But I'd be more interested (no pun intended) in the APR then quidco, in case you do use it and not just pay it off in whole every month.

I have a Barclaycard and the service is great, had it for about 3 years now and no quarms, no problems, and their fraud detection seems good too.

P.S. You sure your "in employEment?"
#8
Chuckles. Any advice is great
#9
Adam2050
Chuckles. Any advice is great


:thumbsup:
I also have another one which has a lower limit but is hardly used, and is just there for emergencies, due to the high APR. But I've also got a secondary card holder on it, which is my Mum so if she ever gets stuck she can use it.
#10
Adam2050, will you pay minimum payment every month?
Do you have any debts?
How much will you spend on the card?
Would you consider yourself impulsive or restraining when it comes to spending?
Have you had a credit card before? What happened with it?

Having a CC is nice when it comes to protection and stuff like Hotels/Car Hire, personally I am a tarter, where I spend everything on a card but match that spending on my LloydsTSB Vantage Current Account @ 4% interest.

I just paid of a card and recieved a Tesco card, 12months all new purchases @ 0% and lots of points at Tesco (clubcard at days out, restaurants/Goldsmiths etc) and when you shop anywhere.

Please have a long hard read of this article:
http://www.moneysavingexpert.com/cards/

One thing just popped into my mind, did you just want the QuidCo and not even use the card at all? You are quite vague in your request
#11
awoodhall2003
Adam I started the same, I do now use my credit card regularly and at the moment is a fair bit on it. This is only because of purchasing our property so I'm not paying it off until I know how we are when we finally move in.
[COLOR="Red"]But I'd be more interested (no pun intended) in the APR then quidco, in case you do use it and not just pay it off in whole every month[/COLOR].

I have a Barclaycard and the service is great, had it for about 3 years now and no quarms, no problems, and their fraud detection seems good too.

P.S. You sure your "in employEment?"


Easy..... just go for one that is 0% for purchases for a set time :thumbsup: If you've got any money left on the card at the end of this period, do a Balance Transfer to a card that is 0% on Balance Transfers for a set time. Then repeat as necessary.

Haven't paid a penny's interest on a credit card for about 6 years now, and rarely pay of the balance in full at any particular time. Combine it with cashback / rewards points etc and you can actually make a bit of money out of it too (never really got the hang of that 'stoozing' thing though)
#12
midlandscomics
Easy..... just go for one that is 0% for purchases for a set time :thumbsup: If you've got any money left on the card at the end of this period, do a Balance Transfer to a card that is 0% on Balance Transfers for a set time. Then repeat as necessary.

Haven't paid a penny's interest on a credit card for about 6 years now, and rarely pay of the balance in full at any particular time. Combine it with cashback / rewards points etc and you can actually make a bit of money out of it too (never really got the hang of that 'stoozing' thing though)


It ok, but mine is only a few hundred, and often there is nothing on it. So i'd prefer to keep with a card I know is good, and have no problems with, rather then save myself the hassle of every 6/9/12 month changing and swapping over cards and balance transfers etc.

I agree it is a good idea, maybe if I had larger sums on them etc and often didnt pay them off.
#13
If you just want the QuidCo and will cancel the card once you have it the best one seems to be:
http://www.quidco.com/insurance-finance/finance/credit-cards/aa-credit-cards/
#14
schizoboy
If you just want the QuidCo and will cancel the card once you have it the best one seems to be:
http://www.quidco.com/insurance-finance/finance/credit-cards/aa-credit-cards/


If he's doing it to build up a decent credit rating, taking it out and then cancelling it straight away probably isn't the best thing to do :thumbsup:
#15
midlandscomics;8147557
If he's doing it to build up a decent credit rating, taking it out and then cancelling it straight away probably isn't the best thing to do :thumbsup:


Exactly, he needs to specify what he's going to do :)
#16
schizoboy
Exactly, he needs to specify what he's going to do :)


ummmm....

Adam2050
Building credit history don't worry ain't for stupid buys DLM.
#17
awoodhall2003;8147611
ummmm....


Doh!

Any card then really, so long as he has no outstanding debt, the two best 0% on purchases over 12months at the moment are Tesco and Virgin, I ordered Tesco as I wanted the clubcard points.

There are cashback ones etc, but are more fiddly, so long he can make the (normally 5%) minimum payments and come March 2011 can pay it all off (get a savings account to match it) he can start tarting :)

If you just want to pay it all off at the end of the month then 0% won't matter you may as well get a Cashback card, American Express Platinum 5% cashback for 3months then 1.25%. at least then you're benefiting from using it.
#18
schizoboy
Doh!

Any card then really, so long as he has no outstanding debt, the two best 0% on purchases over 12months at the moment are Tesco and Virgin, I ordered Tesco as I wanted the clubcard points.

There are cashback ones etc, but are more fiddly, so long he can make the (normally 5%) minimum payments and come March 2011 can pay it all off (get a savings account to match it) he can start tarting :)

If you just want to pay it all off at the end of the month then 0% won't matter you may as well get a Cashback card, American Express Platinum 5% cashback for 3months then 1.25%. at least then you're benefiting from using it.


The latter card sounds good from AE what are the criteria for it though? And are virgin still run by MBNA? As personally I hate MBNA I've seen them screw several people over credit cards, virgin might be better run though.
#19
Virgin and Tesco Clubcard Credit Cards are both MBNA.
What exactly have you heard about MBNA? Tesco does well on customer service at Which as quoted from moneysupermarket which is why I got them over Virgin, as well as the points.

If he is not bothered about 0% or Cashback and just wants a card with good coverage/CS everyone, including myself in the past all praised Barclaycard:
http://www.barclaycard.co.uk/personal-home/cards/initial/index.html

Pay it off at the end of each month and you are seen as a reliable debtor, although articles do exist that they don't want you to be too perfect, those superfluous charges do make them money! Albeit on credit cards now the max they can charge per infringement is £12 now.

Bear in mind that having a credit card is basically a must for extra protection on all £100+ purchases and for Hotel/Car Hire usage so not having one cripples you whether you like it or not, not to mention if you are a prudent user of one, it helps your credit rating.

He does mention QuidCo mind, where I think AA Credit Card wins.
#20
schizoboy
Virgin and Tesco Clubcard Credit Cards are both MBNA.
What exactly have you heard about MBNA? Tesco does well on customer service at Which as quoted from moneysupermarket which is why I got them over Virgin, as well as the points.

If he is not bothered about 0% or Cashback and just wants a card with good coverage/CS everyone, including myself in the past all praised Barclaycard:
http://www.barclaycard.co.uk/personal-home/cards/initial/index.html

Pay it off at the end of each month and you are seen as a reliable debtor, although articles do exist that they don't want you to be too perfect, those superfluous charges do make them money! Albeit on credit cards now the max they can charge per infringement is £12 now.

Bear in mind that having a credit card is basically a must for extra protection on all £100+ purchases and for Hotel/Car Hire usage so not having one cripples you whether you like it or not, not to mention if you are a prudent user of one, it helps your credit rating.


The Tesco card is from Tesco Personal Finance now, rather than MBNA (just taken one out myself).

Andre, the downside with the AMEX card might be that it's harder to obtain with it being a Platinum Card (they're more strict on their credit checks, so your score needs to be quite high) ... I think the minimum earnings limit is £20k plus too.
#21
schizoboy
Virgin and Tesco Clubcard Credit Cards are both MBNA.
What exactly have you heard about MBNA? Tesco does well on customer service at Which as quoted from moneysupermarket which is why I got them over Virgin, as well as the points.

If he is not bothered about 0% or Cashback and just wants a card with good coverage/CS everyone, including myself in the past all praised Barclaycard:
http://www.barclaycard.co.uk/personal-home/cards/initial/index.html

Pay it off at the end of each month and you are seen as a reliable debtor, although articles do exist that they don't want you to be too perfect, those superfluous charges do make them money! Albeit on credit cards now the max they can charge per infringement is £12 now.

Bear in mind that having a credit card is basically a must for extra protection on all £100+ purchases and for Hotel/Car Hire usage so not having one cripples you whether you like it or not, not to mention if you are a prudent user of one, it helps your credit rating.


Two of my friends, within the same year had many charges on their accounts and we are talking in excess of £250 (or at least one of them did) and they wouldn't let him cancel the card, they took forever to say the payment had been processed, then added further charges etc. Is it had happened to me I would have probably got legal advice, I helped one of my mates out with it all and managed to get the charges reduced considerably and got the card cancelled with an agreement that the end of the process would not incur notes made on the credit history either that were negative in regards to the end of contract (whether they did or not...).


Well I liked the look of that Platinum card as when we move into our new property we will be buying a few white goods, and furniture so a bit of cashback would be very nice!:-D
#22
midlandscomics
The Tesco card is from Tesco Personal Finance now, rather than MBNA (just taken one out myself).

Andre, the downside with the AMEX card might be that it's harder to obtain with it being a Platinum Card ... I think the minimum earnings limit is £20k plus too.


No good for me, I am a student at the moment, but my girlfriend earns £19.1k pa but if you average her pay cheques it averages to around £21k, and she already has a good credit rating. When we went to get a new bed (£850) we paid £200 and got the rest on credit (interest free) and they offered her £5k to spend! :w00t: She is only 21 as well!
#23
midlandscomics
The Tesco card is from Tesco Personal Finance now, rather than MBNA (just taken one out myself).

Andre, the downside with the AMEX card might be that it's harder to obtain with it being a Platinum Card (they're more strict on their credit checks, so your score needs to be quite high) ... I think the minimum earnings limit is £20k plus too.

I have a Tesco credit card and it has always been with RBS :?
#24
awoodhall2003;8147790
Two of my friends, within the same year had many charges on their accounts and we are talking in excess of £250 (or at least one of them did) and they wouldn't let him cancel the card, they took forever to say the payment had been processed, then added further charges etc. Is it had happened to me I would have probably got legal advice, I helped one of my mates out with it all and managed to get the charges reduced considerably and got the card cancelled with an agreement that the end of the process would not incur notes made on the credit history either that were negative in regards to the end of contract (whether they did or not...).


Well I liked the look of that Platinum card as when we move into our new property we will be buying a few white goods, and furniture so a bit of cashback would be very nice!:-D


Yeah anyone just moved house than the AMEX Cashback 5% one will look very tasty.

Hopefully I will only be dealing with Tesco on my MBNA backed card.

The AA Credit Card (Also MBNA backed) with £28 QuidCo cashback (on non-referred applications) I just applied for in a relatives name, so long as no referral is needed (where they verify it all instead of automated process) it should all go through, I was told straight away I had a £1100 credit limit for my relative 2minutes after applying for the AA Credit Card in their name.

I would still recommend the AA one, just so long as you a) have a direct debit setup to pay it all off at the end of each month that will not ever fail b) that you use it for at least a year before cancelling it
#25
awoodhall2003
No good for me, I am a student at the moment, but my girlfriend earns £19.1k pa but if you average her pay cheques it averages to around £21k, and she already has a good credit rating. When we went to get a new bed (£850) we paid £200 and got the rest on credit (interest free) and they offered her £5k to spend! :w00t: She is only 21 as well!


When me and my Wife bought our first house 8 years ago, we bought a laptop from PC World to build up our credit rating. It was in the shop for £999, and we did it on their finance.... it ended up costing us nearly £1800 over five years though (we were naive at the time and took at the extended warranty too) :w00t:

Have always been given healthy credit limits since then though :-D


WonderWoman
I have a Tesco credit card and it has always been with RBS :?


Only received mine last week, and it's definitely supplied by Tesco Personal Finance. My in-laws' card (which they've had a couple of years) is from RBS though.
#26
WonderWoman;8147824
I have a Tesco credit card and it has always been with RBS :?


Now I am confused
http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/index.jsp
Has a MasterCard Logo on it...
http://www.moneysavingexpert.com/cards/best-0-credit-cards
Seems I was horribly wrong to assume it's MBNA backed?
#27
schizoboy
Yeah anyone just moved house than the AMEX Cashback 5% one will look very tasty.

Hopefully I will only be dealing with Tesco on my MBNA backed card.

The AA Credit Card (Also MBNA backed) with £28 QuidCo cashback (on non-referred applications) I just applied for in a relatives name, so long as no referral is needed (where they verify it all instead of automated process) it should all go through, I was told straight away I had a £1100 credit limit for my relative 2minutes after applying for the AA Credit Card in their name.

I would still recommend the AA one, just so long as you a) have a direct debit setup to pay it all off at the end of each month that will not ever fail b) that you use it for at least a year before cancelling it


Well I might have to look into it! As 5% off a minimum of £1000 worth of stuff = £50, so not too shabby.
The AA one sounds good, as my girlfriend needs a better credit card then her current one.


midlandscomics
When me and my Wife bought our first house 8 years ago, we bought a laptop from PC World to build up our credit rating. It was in the shop for £999, and we did it on their finance.... it ended up costing us nearly £1800 over five years though (we were naive at the time and took at the extended warranty too) :w00t:

Have always been given healthy credit limits since then though :-D
.


Well although cost a bomb, you learned your lesson, and now have no problem with credit!
My fiancee and I both have pretty good credit ratings I'd imagine, we've both had credit cards for years and not missed payments, both got sofas on finance for our parents which were over £1k(both single parents: her dad, my mum), both got cars on finance for our parents (her dads £6k focus, my mums £3k punto), she has a bed under her name on finance and a few other thing over the time.
#28
Just called Tesco Clubcard Credit Card, it is indeed a Mastercard CC issued by RBS.
#29
awoodhall2003;8147932
Well I might have to look into it! As 5% off a minimum of £1000 worth of stuff = £50, so not too shabby.
The AA one sounds good, as my girlfriend needs a better credit card then her current one.




Well although cost a bomb, you learned your lesson, and now have no problem with credit!
My fiancee and I both have pretty good credit ratings I'd imagine, we've both had credit cards for years and not missed payments, both got sofas on finance for our parents which were over £1k(both single parents: her dad, my mum), both got cars on finance for our parents (her dads £6k focus, my mums £3k punto), she has a bed under her name on finance and a few other thing over the time.


To check your credit rating you can go onto one of their monthly schemes which are profit making but require that you remember to cancel their pricey service! Or you can just send off a template letter with a £2 cheque (mandated by law) and you don't get hooked into any ongoing credit check service which is overpriced:
http://www.moneysavingexpert.com/loans/credit-rating-credit-score#filesClick on "officially checking credit files"
Download their template letter, edit, sign, attach £2 cheque, post, get credit report in post, no messing about with silly overpriced products with monthly fee.
#30
schizoboy
Just called Tesco Clubcard Credit Card, it is indeed a Mastercard CC issued by RBS.

:thumbsup: I have the Tesco Visa Card and that's RBS too. The only reason I new it wasn't MBNA is because I also have a Virgin CC that is backed by MBNA and I remember reading somewhere that you are not allowed to have more than one card at a time that is backed by MBNA.
#31
midlandscomics
Only received mine last week, and it's definitely supplied by Tesco Personal Finance. My in-laws' card (which they've had a couple of years) is from RBS though.

Ahh - just read your comments, that makes sense then as i've had my Tesco card for quite a while too.
#32
So whats the best buy?
#33
Adam2050;8148069
So whats the best buy?


Depends what ranks at the top in terms of features.

For QuidCo: AA Credit Card £28 paid to you within 3months in your pocket assuming 100% automated application and proper activation no usage needed I don't think, but can still be used to build up rating if you pay it all off every month

For Service: Barclaycard Initial meant for new CC customers to building credit rating (read low interest rate high APR)

For Tesco Clubcard Points: (Has bought me £1500+ of jewellery and Holidays over the years) Tesco ClubCard Credit Card

For Cashback: American Express Platinum (5% first 3months, 1.25% afterward) great if you are about to splash out alot otherwise just pay it off and have a longterm 1.25% cashback on all purchases)
#34
On a side note where I ordered that AA Credit Card for a relative, which seemed all automated, the QuidCo has already tracked but not a peep from AA Credit Card yet lol
#35
So its between AA and Barclay card.

Is it easy to transfer money?
#36
Adam2050;8148506
So its between AA and Barclay card.

Is it easy to transfer money?


Transfer Money?

You want to move a balance from another card??

I wish you had been completely upfront about your entire circumstances lol
#37
schizoboy
Transfer Money?

You want to move a balance from another card??

I wish you had been completely upfront about your entire circumstances lol


No mean paying it off sorry. Never had one before.:thumbsup:
#38
Adam2050
No mean paying it off sorry. Never had one before.:thumbsup:


Imagine 99% can all be dealt with online now, so you can follow your spending, deadlines, and pay it off online too. It is just like buying something online, and takes just as long. If not via phone and via their paper statements. :thumbsup:
#39
Since online banking emerged I've always paid CC's via a presaved BACs bank transfer using the details on the CC Statement with the credit card number as a reference, usually a week or more before the deadline (varies from 40-60days from monthly statement) before interest charges accrue.

I highly recommend setting up a Direct Debit for the minimum charge if on a 0% card or for the whole balance if on AA or Barclays.

Sorry for all the convoluted replies, but so much depends on your financial habits on which will suit you best, if you are uber dependable upon paying back the CC before interest charges, AA is best cos it's a free £28 innit, otherwise stick to a friendlier CC like the 0% Tesco/Virgin ones where if you have minimum payment DD setup, at least in the first year there is no interest charges
#40
Just thought I would update having applied for three of these cards now for my family, if you don't use it after a (they wouldn't specify) certain period of inactivity they can/will deactivate the card.

If it's your only card that may actually be a bad thing as you are see as a loss customer really I think.

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