Cheapest credit card?

Filan · 05-09-2009, 13:32

never had one,not even sure how they work but need one for on-line purchases. I'd appreciate advice.
Thanks
A

Creamy Goodness · 05-09-2009, 13:34

the cheapest one is any credit card as long as you pay it off month by month.

if you're going to be getting a card based on the lowest APR, i'd say don't bother youself tbh

Steoob · 05-09-2009, 13:38

Ya once your not actually using a credit card to spend credit your fine. I buy things, then go onto internet banking and pay it off straight away. No APR taken into consideration. The only annoying cost is that it costs 30 euro a year for the card. Kinda harsh alright.

Ogham · 05-09-2009, 20:50

If you bank with Halifax or Ulster they do Visa Debit cards (Ulster will next week) - you can use them like a credit card but the money comes straight from your account like a laser card.

Creamy Goodness · 06-09-2009, 15:26

any word on when other banks (AIB) doing visa debit cards? have one for my american bank account and it's great.

di2772 · 06-09-2009, 15:33

Why not get a card that earns you money?

Like the Tesco credit card.

And make sure to pay it off every month so you arent charged interest,

Captain Chaos · 06-09-2009, 15:36

Or just set up a 100% direct debit when you apply for the card, thats what I did. No worries, works just like a debit card so long as you leave enough money in your account.

Slugs · 06-09-2009, 15:37

DO NOT GET A CREDIT CARD! Biggest mistake anyone can make in the World. If all you need it for is online purchases take a look at this.

www.3v.ie

These are basically online vouchers you can buy at any local retailer that are basically visa cards that can only be used online. You can only spend up to the amount you buy on the card. They're f*cking unbelievable. Have been using them since I was 15. No hassle ever. Used them for ebay, itunes, membership for the MMORPG I played, Microsoft points, Numerous others.

Please do yourself a favour and do not put yourself in a position of owning a credit. They're the biggest scam ever to come into the financial sector.

Captain Chaos · 06-09-2009, 15:41

I used 3v for over a year and its a scam, you end up spending more money then you need, and all those extra euros add up over time. For me a credit card is cheaper, no hidden costs or user limitations and alot less hassle.

di2772 · 06-09-2009, 15:42

Quote:

Originally Posted by Slugs

DO NOT GET A CREDIT CARD! Biggest mistake anyone can make in the World. If all you need it for is online purchases take a look at this.

www.3v.ie

These are basically online vouchers you can buy at any local retailer that are basically visa cards that can only be used online. You can only spend up to the amount you buy on the card. They're f*cking unbelievable. Have been using them since I was 15. No hassle ever. Used them for ebay, itunes, membership for the MMORPG I played, Microsoft points, Numerous others.

Please do yourself a favour and do not put yourself in a position of owning a credit. They're the biggest scam ever to come into the financial sector.

Credit cards are only expensive to dumb people (and i suppose there are a few of those) who dont pay them off before they are charged interest.

Used properly a credit card is much cheaper than the 3v card.

You would be better off with a CC than the money you are wasting with the 3v card?

Creamy Goodness · 06-09-2009, 16:05

Quote:

Originally Posted by Slugs

DO NOT GET A CREDIT CARD! Biggest mistake anyone can make in the World. If all you need it for is online purchases take a look at this.

www.3v.ie

These are basically online vouchers you can buy at any local retailer that are basically visa cards that can only be used online. You can only spend up to the amount you buy on the card. They're f*cking unbelievable. Have been using them since I was 15. No hassle ever. Used them for ebay, itunes, membership for the MMORPG I played, Microsoft points, Numerous others.

Please do yourself a favour and do not put yourself in a position of owning a credit. They're the biggest scam ever to come into the financial sector.

yeh cause charging you 5euro everytime you need to top it up isn't a scam?

Slugs · 06-09-2009, 16:07

Quote:

Originally Posted by Creamy Goodness

yeh cause charging you 5euro everytime you need to top it up isn't a scam?

where as being charged vat on your purchases isn't?

and that's only for vouchers over a certain price.

I'll agree on the cost to transfer between cards being a load of bollocks though.

Creamy Goodness · 06-09-2009, 16:17

do not bring vat into this? vat has got nothing to do with this?

you're charge vat on credit card purchases and on 3v purchases. every country has vat in some shape or form, which you pay whether you know it or not if you use a credit card or 3v card.

if you can't even see that, you definitely should stick with your 3v cards, because it's people like you who fuel the media with their credit card debt stories and give the people who can use credit cards responsibly a bad name.

jaffa20 · 06-09-2009, 16:19

Visa debit card from halifax? Works just like a credit card and no interest etc.

di2772 · 06-09-2009, 16:21

Quote:

Originally Posted by Slugs

where as being charged vat on your purchases isn't?

and that's only for vouchers over a certain price.

I'll agree on the cost to transfer between cards being a load of bollocks though.

LOL.
Time to hit the books and go learn a thing or 2. Im sure the owners of 3v are laughing at you too.

05-09-2009, 13:32	#1
Filan Registered User Join Date: Aug 2006 Location: Limerick Posts: 695 Adverts \| Friends	Cheapest credit card? never had one,not even sure how they work but need one for on-line purchases. I'd appreciate advice. Thanks A

05-09-2009, 13:34	#2
Creamy Goodness Booooom, Blast & Ruin! Join Date: Nov 2001 Location: in my flippity floppity floop Posts: 21,116 Adverts \| Friends	the cheapest one is any credit card as long as you pay it off month by month. if you're going to be getting a card based on the lowest APR, i'd say don't bother youself tbh __________________ I love the way your hair, hangs over your eyes, crush me with that stare. Lying there on the desk, you left a letter, when I touched it shivered in my hand. Leave exposed the wounded, look down kids it starts to decompose. When the scissors kiss her, everybody knew by the subtle marks on her face, they were red.

05-09-2009, 13:38	#3
Steoob Registered User Join Date: Dec 2003 Location: Cork Posts: 2,248 Adverts \| Friends	Ya once your not actually using a credit card to spend credit your fine. I buy things, then go onto internet banking and pay it off straight away. No APR taken into consideration. The only annoying cost is that it costs 30 euro a year for the card. Kinda harsh alright. __________________ 5 String Bass for sale "Peeeow!" peeowed Trent making a noise like a gun shooting. "Peeow " to you too said the shopkeeper. He knew there wasn't any bullets in the gun! Yet...

05-09-2009, 20:50	#4
Ogham Registered User Join Date: Nov 2004 Location: Wild West Posts: 672 Adverts \| Friends	If you bank with Halifax or Ulster they do Visa Debit cards (Ulster will next week) - you can use them like a credit card but the money comes straight from your account like a laser card. __________________ Amazon Bargains

06-09-2009, 15:26	#5
Creamy Goodness Booooom, Blast & Ruin! Join Date: Nov 2001 Location: in my flippity floppity floop Posts: 21,116 Adverts \| Friends	any word on when other banks (AIB) doing visa debit cards? have one for my american bank account and it's great. __________________ I love the way your hair, hangs over your eyes, crush me with that stare. Lying there on the desk, you left a letter, when I touched it shivered in my hand. Leave exposed the wounded, look down kids it starts to decompose. When the scissors kiss her, everybody knew by the subtle marks on her face, they were red.

06-09-2009, 15:33	#6
di2772 Registered User Join Date: Aug 2009 Posts: 169 Adverts \| Friends	Why not get a card that earns you money? Like the Tesco credit card. And make sure to pay it off every month so you arent charged interest,

06-09-2009, 15:36	#7
Captain Chaos Registered User Join Date: Feb 2007 Location: Dublin 13 Posts: 2,524 Adverts \| Friends	Or just set up a 100% direct debit when you apply for the card, thats what I did. No worries, works just like a debit card so long as you leave enough money in your account. __________________

06-09-2009, 15:37	#8
Slugs Registered User Join Date: Aug 2009 Location: Valhalla Posts: 487 Adverts \| Friends	DO NOT GET A CREDIT CARD! Biggest mistake anyone can make in the World. If all you need it for is online purchases take a look at this. www.3v.ie These are basically online vouchers you can buy at any local retailer that are basically visa cards that can only be used online. You can only spend up to the amount you buy on the card. They're f*cking unbelievable. Have been using them since I was 15. No hassle ever. Used them for ebay, itunes, membership for the MMORPG I played, Microsoft points, Numerous others. Please do yourself a favour and do not put yourself in a position of owning a credit. They're the biggest scam ever to come into the financial sector.

06-09-2009, 15:41	#9
Captain Chaos Registered User Join Date: Feb 2007 Location: Dublin 13 Posts: 2,524 Adverts \| Friends	I used 3v for over a year and its a scam, you end up spending more money then you need, and all those extra euros add up over time. For me a credit card is cheaper, no hidden costs or user limitations and alot less hassle. __________________

06-09-2009, 16:17	#13
Creamy Goodness Booooom, Blast & Ruin! Join Date: Nov 2001 Location: in my flippity floppity floop Posts: 21,116 Adverts \| Friends	do not bring vat into this? vat has got nothing to do with this? you're charge vat on credit card purchases and on 3v purchases. every country has vat in some shape or form, which you pay whether you know it or not if you use a credit card or 3v card. if you can't even see that, you definitely should stick with your 3v cards, because it's people like you who fuel the media with their credit card debt stories and give the people who can use credit cards responsibly a bad name. __________________ I love the way your hair, hangs over your eyes, crush me with that stare. Lying there on the desk, you left a letter, when I touched it shivered in my hand. Leave exposed the wounded, look down kids it starts to decompose. When the scissors kiss her, everybody knew by the subtle marks on her face, they were red. Last edited by Creamy Goodness; 06-09-2009 at 16:20.

06-09-2009, 16:19	#14
jaffa20 Registered User Join Date: Jun 2008 Location: Greystones Posts: 1,979 Adverts \| Friends	Visa debit card from halifax? Works just like a credit card and no interest etc.

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