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Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

7th May 11 at 20:33

i have a tesco clubcard credit card (interest free on purchases for a year), if i take money out of a cashpoint to pay for something will i be charged interest on this amount and will it cost me anything to take the money out?

Kerry

Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline

7th May 11 at 20:39

There's is usually a charge for cash withdrawals yes

Kerry

Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline

7th May 11 at 20:41

I'm sure it's 3% plus interest

Kerry

Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline

7th May 11 at 20:42

http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/summary-box.jsp

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

7th May 11 at 20:46

so its 3% handling fee, 1.873% monthly fee, 24.942% annual fee?

no 0%?

thanks

Kerry

Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline

7th May 11 at 20:47

Doesn't look like it

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

7th May 11 at 20:50

gay

ok cheers.

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

8th May 11 at 08:14

Nope Benjee, I've got the same credit card. Just 0% for purchases

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

8th May 11 at 09:34

Avoid taking cash out from a Credit card. EVER.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

8th May 11 at 09:36

i never have, just wondered.

would the same apply to an item on ebay and paying for it via paypal (not a company, just a normal person selling stuff)?

Root

Member

Registered: 28th Dec 08
User status: Offline

8th May 11 at 10:02

quote:
Originally posted by Jambo
Avoid taking cash out from a Credit card. EVER.

or even better, avoid getting a credit card. EVER.

harrisp

Member

Registered: 15th Dec 07
Location: Derbyshire
User status: Offline

8th May 11 at 10:20

quote:
Originally posted by Root

quote:
Originally posted by Jambo
Avoid taking cash out from a Credit card. EVER.

or even better, avoid getting a credit card. EVER.

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

8th May 11 at 10:51

Most shortsighted comment ever

Paypal payments from credit cards count as general purchases so no charge.

Root

Member

Registered: 28th Dec 08
User status: Offline

8th May 11 at 10:57

quote:
Originally posted by AndyKent
Most shortsighted comment ever

Paypal payments from credit cards count as general purchases so no charge.

what's wrong with a debit card

Member

Registered: 10th Sep 03
User status: Offline

8th May 11 at 10:58

Paypal always comes up as a purchase. I believe you can transfer from your credit card into your bank account for a fee but only be charged your standard interest rate (i.e. 0%) with some cards. Could come in useful if you were to buy a car I guess. Need to read the fine print though...

Member

Registered: 10th Sep 03
User status: Offline

8th May 11 at 10:59

quote:
Originally posted by Root

quote:
Originally posted by AndyKent
Most shortsighted comment ever

Paypal payments from credit cards count as general purchases so no charge.

what's wrong with a debit card

The Consumer Credit Act 1974

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

8th May 11 at 11:01

quote:
Originally posted by Root

quote:
Originally posted by Jambo
Avoid taking cash out from a Credit card. EVER.

or even better, avoid getting a credit card. EVER.

retard.

as long as you pay it all back within the interest free period it's fine.

how else would i have afforded to have bought all my funiture after spending 20k on moving in the first place?

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

8th May 11 at 11:04

quote:
Originally posted by Root

quote:
Originally posted by AndyKent
Most shortsighted comment ever

Paypal payments from credit cards count as general purchases so no charge.

what's wrong with a debit card

Whats wrong with only spending what you know you have coming in?

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

8th May 11 at 11:06

So Ben G you have waded in in that other thread about loans and mortgages and stuff yet you have bought all your furniture with a credit card??

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

8th May 11 at 11:07

and paid it all back within the interest free period. whats wrong with that?

cost me nothing extra.

i also put my car insurances on there also, then pay back within the 0% period and get charged nothing.

if you don't pay it back then yes, you are fucked.

but i am comfortable to be able to put a bit away every month and pay it off.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

8th May 11 at 11:08

and loans are different. i don't really like loans because you have no interest free on them so always pay back more then it cost to take out.

good if you buy a car or something that will appreciate though.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

8th May 11 at 11:09

Yet you advised that bloke to save up.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

8th May 11 at 11:10

But if you can afford the repayments then whats wrong with a loan??

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

8th May 11 at 11:10

if he has no outgoings like a mortgage then yes save up.

i put away 1.5k a month when i lived at home.

my outgoings are now almost 2k a month so it's impossible for me to save up a hefty amount nowadays.

Root

Member

Registered: 28th Dec 08
User status: Offline

8th May 11 at 11:11

quote:
Originally posted by Ben G

quote:
Originally posted by Root

quote:
Originally posted by Jambo
Avoid taking cash out from a Credit card. EVER.

or even better, avoid getting a credit card. EVER.

retard.

as long as you pay it all back within the interest free period it's fine.

how else would i have afforded to have bought all my funiture after spending 20k on moving in the first place?

credit cards lead to debt

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