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The AIB CLICK Visa thread :)

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Comments

  • #32
    DannyD
    Registered Users, Registered Users 2 Posts: 852 ✭✭✭DannyD


    Lex_Diamonds wrote: »
    Not sure how long that low interest rate lasts for, but after a few months i noticed my click visa APR is back to double digits.


    So the interest rate doesn't stay the same? Are you sure that yours is now in double digits? Surely there is not point in transferring to click if it is for all intents and purposes just an introductory offer even though they claim it is?


  • #33
    dotsman
    Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    Lex_Diamonds wrote: »
    Not sure how long that low interest rate lasts for, but after a few months i noticed my click visa APR is back to double digits.

    Afraid you're mistaken here. It definitely is 8.5% at the moment and not an introductory rate.

    If you are on a higher rate, then you're not on the click or there is a problem with your account (are you in arrears etc?)


  • #34
    Lex_Diamonds
    Registered Users, Registered Users 2 Posts: 2,468 ✭✭✭Lex_Diamonds


    Hi guys,

    Not in arrears thankfully. I looked through all my old statements there and it turns out I was talking complete bollox. I must have gotten my wires crossed somewhere.

    So in summary, the Click Visa rate is actually good and long may it live! *raises glass*


  • #35
    magconn
    Closed Accounts Posts: 148 ✭✭magconn


    Anyone ever do a balance transfer from aib mastercard to one of these click babies?? Is it poss? Any catches??
    TA:)


  • #36
    happygoose
    Registered Users, Registered Users 2 Posts: 703 ✭✭✭happygoose


    Whats the credit limit on a click card?


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  • #37
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    Credit limits depend on the individual and their circumstances :)


  • #38
    ratsam
    Registered Users, Registered Users 2 Posts: 248 ✭✭ratsam


    Got a click about 6 months back... cleared my old AIB one and got the new one in the post a couple of days later... Just beware.... I bought something in the first week of having the card but somehow forgot to pay something off in the first 30 days ... the feckers put a hold on my card.... was a pain until I figured out what happened... maybe thats standard with all new cards but it confused me...! Just a heads up... since then everythings rosey...!

    Rats


  • #39
    dlambirl
    Registered Users, Registered Users 2 Posts: 2,062 ✭✭✭dlambirl


    ratsam wrote: »
    Got a click about 6 months back... cleared my old AIB one and got the new one in the post a couple of days later... Just beware.... I bought something in the first week of having the card but somehow forgot to pay something off in the first 30 days ... the feckers put a hold on my card.... was a pain until I figured out what happened... maybe thats standard with all new cards but it confused me...! Just a heads up... since then everythings rosey...!

    Rats


    One thing is with the Click card that you dont get any credit card statements in the post - they are done online so be careful and remember to always check for a new statement or you'll miss when it has to be paid!


  • #40
    magconn
    Closed Accounts Posts: 148 ✭✭magconn


    dlambirl wrote: »
    One thing is with the Click card that you dont get any credit card statements in the post - they are done online so be careful and remember to always check for a new statement or you'll miss when it has to be paid!
    thats why i want one!! saves the chief finding it in the postbox!!!! :)


  • #41
    dlambirl
    Registered Users, Registered Users 2 Posts: 2,062 ✭✭✭dlambirl


    magconn wrote: »
    thats why i want one!! saves the chief finding it in the postbox!!!! :)

    Ha ha ha very good!!

    Just remember to check it often to make sure you dont get any nasty extra payments


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  • #42
    magconn
    Closed Accounts Posts: 148 ✭✭magconn


    dlambirl wrote: »
    Ha ha ha very good!!

    Just remember to check it often to make sure you dont get any nasty extra payments
    oh believe me, tis well grilled come the end of month !! :)


  • #43
    dlambirl
    Registered Users, Registered Users 2 Posts: 2,062 ✭✭✭dlambirl


    magconn wrote: »
    oh believe me, tis well grilled come the end of month !! :)

    Ha ha ha ha i know how that feels?!!


  • #44
    Karen23
    Registered Users, Registered Users 2 Posts: 1,871 ✭✭✭Karen23


    I'm thinking of applying for a Visa Click from AIB and came across this thread during a search. As this thread is 3 years old I just wondered is the Visa Click still the preferred Credit Card from AIB ?


  • #45
    bren2002
    Registered Users, Registered Users 2 Posts: 1,213 ✭✭✭bren2002


    Seems to be the lowest interest rate anyway.

    http://compare.nca.ie/CreditCard


  • #46
    Sinfonia
    Registered Users, Registered Users 2 Posts: 3,854 ✭✭✭Sinfonia


    Thinking about getting one too; I see the APR has jumped up a bit since '08/'09..!
    Would that kind of increase over a few years be generally expected, or would this jump have something to do with the banking/economic issues over the last few years (or both)?


  • #47
    dotsman
    Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    Sinfonia wrote: »
    Thinking about getting one too; I see the APR has jumped up a bit since '08/'09..!
    Would that kind of increase over a few years be generally expected, or would this jump have something to do with the banking/economic issues over the last few years (or both)?

    The interest rate is 9.11%. APR's on a Credit Card can be misleading, as APR calculations assume that the drawdown of the credit is immeidate and the subsequent repayments are as if it was a standard 12 month loan with equal monthly repayments. Likewise, the government stamp duty is also included in an APR.

    APR's are just used for comparisons and were introduced for credit cards in a big way with the ECCD (which itself was just a whole load of bureaucratic BS, for the most part!). The interest you pay can be a lot less/more, depending on how you use the card. If you use it responsibly, you have an effective rate of 0%!


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