How many credit cards do you have?

lulzordan

lulzordan wrote: »

I'm guessing the cashback card isn't issued in Ireland?

In the States they seem to offer a lot of bonuses, but here I wasn't able to find any bank that offered rewards with their credit cards

ulster bank offered points but were forced to stop by an eu directive or something according to a letter they sent

got a lot of boots vouchers off them

xabi

None

um7y1h83ge06nx

I have one AIB Platinum Visa card with a 10k limit. Once you spend over 5k in a year period you receive .5% cash back. Not great but better than nothing.

I always make sure I pay it off in full each month.

smurfjed

I have two, AIB Visa is excellent at watching strange payment patterns which have forced them to stop my card a few times, so its good to have the 2nd one as a backup.

I have one that I had since I was a student with a €600 limit. Haven't used it in about 2 years. Should really cancel it because of the stamp duty. Always handy to have though!

lazeedaisy

I have none.

I use my debit card for everything, it's still insured by the bank, plus my bank don't charge me fees.

I spend what I have, no debt. If it rains it rains.

I had one, that the bank used to up and up the limit and every time I responded with thanks but no thanks, got sick of it so got rid,

Greenmachine

smurfjed wrote: »

I have two, AIB Visa is excellent at watching strange payment patterns which have forced them to stop my card a few times, so its good to have the 2nd one as a backup.

Just the one card too. In the beginning had a few transactions stopped or verified because, the issuer thought them to be suspect. One example being a driving lesson where I present myself in person to well known driving school in Dublin with my Driving licence etc. Apologies from the staffs in the school and a call from the card issuer on my mobile. Yes I am getting driving lesson in my name on my card, how nice of you to confirm. I think it is the only transaction the ever questioned in the near 15 years I have the card.

Crumbs868

CiniO wrote: »

None, never had one and not planning to have one.
But I have something which is in fact debit card, but works as credit card, so I can use it for renting cars, booking hotels, etc...

As a matter of interest how did you book rental cars before debit cards as they usually like to put a hold for xxx?

Got caught bad years ago when trying to pick a car up without a credit card(only had a laser). Ended up spending a fortune on phone calls

onethreefive

None. Only use a debit card so that way I can't spend what i don't have

tannytantans

I have one with a limit of €12K. I pay it off every month - can't stand the thought of getting myself into debt but I like to have it for security when booking holidays etc.

CiniO

Crumbs868 wrote: »

As a matter of interest how did you book rental cars before debit cards as they usually like to put a hold for xxx?

Got caught bad years ago when trying to pick a car up without a credit card(only had a laser). Ended up spending a fortune on phone calls

They won't accept debit cards (like Visa Debit or Mastercard Debit) for deposit on car rental, as I don't think they can do preauthorisation on them.
My card while it's a debit card (linked to bank account) is actually normal Mastercard so works fine with car rentals. They can preauthorised on it as much as I have on my account, so in this regard it works like credit card, with limits as big as much cash you have on the account.

Crumbs868

CiniO wrote: »

They won't accept debit cards (like Visa Debit or Mastercard Debit) for deposit on car rental, as I don't think they can do preauthorisation on them.
My card while it's a debit card (linked to bank account) is actually normal Mastercard so works fine with car rentals. They can preauthorised on it as much as I have on my account, so in this regard it works like credit card, with limits as big as much cash you have on the account.

How did it work when only lasers were in Ireland ie 3 years ago?

mahoganygas

1 cc with a 1k limit.

The only reason I keep it is in case I need to rent a car.
Last time I arrived at the car pick up desk I had a panic attack. My limit is only 1k but the excess on the car was 1,200. I was sure they wouldn't be able to put a hold on my card.

Luckily they put a hold of exactly 1,000 on the card so I got away with it.

I'll up the limit for next time!!

Crumbs868

mahoganygas wrote: »

1 cc with a 1k limit.

The only reason I keep it is in case I need to rent a car.
Last time I arrived at the car pick up desk I had a panic attack. My limit is only 1k but the excess on the car was 1,200. I was sure they wouldn't be able to put a hold on my card.

Luckily they put a hold of exactly 1,000 on the card so I got away with it.

I'll up the limit for next time!!

You can take out insurance to reduce the excess therefore you don't need to take a high hold, can be done either directly through the rental co or via an insurance co like Zurich.

Wanderer78

none, dont want one, dont need one. debt is destroying this planet