Credit cards

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10/11/2006, 9:34 PM
sligoman

Quote:

Originally Posted by Dodge

None of the credit card companys do.

I know MBNA do so that's wrong.

Quote:

Originally Posted by Dodge

Some of the gambling sites charge for ALL credit cards.

Do you know if Paddy Power do? That's the online account I'll be using.
10/11/2006, 9:58 PM
onceahoop

I have a BOI Laser card which also has a Maestro logo. However I think I read somewhere that there are charges for using Maestro abroad. Don't know if it's still the case as were all in the Euro, you can even use some ATM's in UK without paying a charge now.

Anyone using a credit card for gambling better be very disciplined. Don't go chasing your losses and clear your card account every month. I know a few sharks on Betfair who who lay odds and they'd buy and sell you. At least with a Laser you can only spend what you have in your account.

BTW I loaded the cc a few years ago before goin to the US for hols and got a call from MBNA saying they didn't like cc's in credit. told them to **** off nicely. Haven't had a problem since. Beat paying five bucks for every ATM transaction
11/11/2006, 8:20 AM
the 12 th man

Quote:

Originally Posted by sligoman

So, to answer my question. Any of ye know a credit card company that don't charge for gambling transactions?:confused:.

Have you got the funds for a debit/laser card?
11/11/2006, 11:48 AM
sligoman

Quote:

Originally Posted by onceahoop

BTW I loaded the cc a few years ago before goin to the US for hols and got a call from MBNA saying they didn't like cc's in credit. told them to **** off nicely. Haven't had a problem since.

That's for 2 reasons: (1.) It's a method of money laundering and (2.) If your card was stolen and used, you are not covered for any money loaded onto it so you were taking it at yer own risk.

Quote:

Originally Posted by the 12 th man

Have you got the funds for a debit/laser card?

Yeah. But I think I'd prefer a credit card. Is their a government levy on laser cards?:confused:.
11/11/2006, 12:48 PM
the 12 th man

Quote:

Originally Posted by sligoman

Is their a government levy on laser cards?:confused:.

Yep,no escape.
11/11/2006, 1:09 PM
sligoman

Quote:

Originally Posted by the 12 th man

Yep,no escape.

Is it 40 aswell?
11/11/2006, 1:24 PM
steno

40 on them all far as I know.
11/11/2006, 5:41 PM
the 12 th man

Quote:

Originally Posted by steno

40 on them all far as I know.

But no fee for betting sites so I can't see why you (sligoman) don't avail,who wants to bet on tick?.
11/11/2006, 6:38 PM
The Ref

Quote:

Originally Posted by sligoman

Is it 40 aswell?

Quote:

Originally Posted by the 12 th man

Yep,no escape.

Quote:

Originally Posted by steno

40 on them all far as I know.

e40 stamp duty on credit card

e10 stamp duty on atm card

e10 on Laser card

if the Laser and atm card are combined (in most cases they are) both levies are charged i.e. a e 20 charge

FYI the e40 levy is charged in April of each year and is charged for the year just passed. If you cancel or change your card during the year your financial institution charges you the e40 but you don't have to pay that again until the following April plus 12 months

eg

cancel card 1 Jan 2006

bank charges e40

next e40 due 1 April 2007

full details are available on http://www.revenue.ie/index.htm?/leaflets/financial.htm
12/11/2006, 12:39 AM
sligoman

Quote:

Originally Posted by the 12 th man

But no fee for betting sites so I can't see why you (sligoman) don't avail,who wants to bet on tick?.

Laser sounds like the way to go alright then but are they as widely accepted as Visa/Mastercard credit cards?
12/11/2006, 7:38 AM
the 12 th man

Quote:

Originally Posted by sligoman

Laser sounds like the way to go alright then but are they as widely accepted as Visa/Mastercard credit cards?

Not sure on the World scale but I use mine here all the time.
15/01/2007, 11:27 PM
A face

Credit cards

Whats the best one out there ??
16/01/2007, 6:02 AM
Dodge

No real difference TBH, except for a worrying development of certain sporting events only accepting certain CCs (World Cup - mastercrd, Olympics - Visa). If you've no intention of going to something like that, no real difference
16/01/2007, 9:38 AM
wws

Quote:

Originally Posted by A face

Whats the best one out there ??

switch from one to the other - availing of the interest free periods you get when you sign up - never pay any interest (although anyone paying CC interest in the first place is an idiot in my view)
17/01/2007, 12:30 PM
Drumcondra Red

Steer clear of MBNA, you miss one payment and they'll blacklist you, or so I'm told, all the others seem to be fairly similar
17/01/2007, 5:37 PM
sligoman

Quote:

Originally Posted by Drumcondra Red

Steer clear of MBNA, you miss one payment and they'll blacklist you, or so I'm told, all the others seem to be fairly similar

I work for them:p
17/01/2007, 5:42 PM
Drumcondra Red

Quote:

Originally Posted by sligoman

I work for them:p

So would I be right then??? :D
17/01/2007, 5:47 PM
sligoman

Quote:

Originally Posted by Drumcondra Red

So would I be right then??? :D

They wont "blacklist" you. They just have fairly hefty fees for late payments/handling fees etc. compared to other banks. Hence why I'm not applying for a card there:D.
17/01/2007, 6:42 PM
SligoBrewer

would you not get some special rate?
17/01/2007, 6:45 PM
sligoman

Quote:

Originally Posted by SligoBrewer

would you not get some special rate?

Yes, but not exempt from fees and charges.
18/01/2007, 10:20 AM
paul_oshea

I used to work for them steer clear, sometimes after a months missed payment they would not let you use your card again, but generally it was 3 months. It is really stupid to be honest, an aib card is far better.
30/04/2007, 9:23 PM
sligoman

Went with a SonyCard in the end up. You gain points on purchases and it all goes towards buying Sony products-DVD's, PS games, dvd player etc.
01/05/2007, 12:26 PM
citizenerased

be with aib
02/05/2007, 12:08 PM
Armando

Quote:

Originally Posted by sligoman

Yes, but not exempt from fees and charges.

Sligoman, I have an MBNA credit card I want to use in the US in a few weeks. Can you give me an idea of the charges, if any, for buying goods with it and withdrawing cash? I'm going for 10 weeks so wanna try my best not to get fleeced, but don't wanna be carrying around a lot of cash. I can put a few grand in my account if that will negate any charges?
02/05/2007, 1:43 PM
gustavo

MBNA are bunch of ****s , i applied for a job there once , didnt even get a reply but soon after began receiving junk mail from them imploring me to get their latest card
03/05/2007, 8:26 AM
sligoman

Quote:

Originally Posted by Armando

Sligoman, I have an MBNA credit card I want to use in the US in a few weeks. Can you give me an idea of the charges, if any, for buying goods with it and withdrawing cash? I'm going for 10 weeks so wanna try my best not to get fleeced, but don't wanna be carrying around a lot of cash. I can put a few grand in my account if that will negate any charges?

Theirs a 2.65% handling fee on foreign currency transactions outside the Eurozone.
APR on cash withdrawal(ATM or OTC at a bank) varies depending on what rate you're on at the moment. Check your last statement and that will tell you what you're on for ATM/OTC and then add 1.5% onto whatever the rate is and that's what you'll pay on cash withdrawal(this rate is due to rise, you'll probably receive a change in terms letter soon).
I'd strongly advise against using the card for cash withdrawal as that accrues interest on a daily basis, same with writing a credit card cheque. Best option is probably to load money onto yer credit card and just spend it. MBNA will soon be charging people if they have a high credit balance too but that's not coming in for a while yet.
Also, might be an idea just to give them a call and tell them you'll be using your card abroad as sometimes if they see odd, foreign transactions they might block a/c, and then contact you, in case of fraud.

Quote:

Originally Posted by gustavo

MBNA are bunch of ****s , i applied for a job there once , didnt even get a reply but soon after began receiving junk mail from them imploring me to get their latest card

How long ago did you apply? I doubt you'd have that problem now as they really are desperate for staff, I think anyone would get an interview now:D...it's up to you to impress from there.
04/05/2007, 9:29 AM
gustavo

Yeah i'd say they have had some right dead beats working for then since then:)
04/05/2007, 9:34 AM
sligoman

Quote:

Originally Posted by gustavo

Yeah i'd say they have had some right dead beats working for then since then:)

Dam right they have...that's why I quit yesterday:p.
04/05/2007, 11:27 AM
paul_oshea

Quote:

I'd strongly advise against using the card for cash withdrawal as that accrues interest on a daily basis, same with writing a credit card cheque. Best option is probably to load money onto yer credit card and just spend it. MBNA will soon be charging people if they have a high credit balance too but that's not coming in for a while yet.
Also, might be an idea just to give them a call and tell them you'll be using your card abroad as sometimes if they see odd, foreign transactions they might block a/c, and then contact you, in case of fraud

i wouldn't use MBNA if i were going abroad, they screw ye on late charges, and after 2 months you are put on the credit refereence agency ( i used to work there also ). Also if you put in a high credit balance and you lose your card/stolen/whatever, you dont get covered i.e. you dont get the money back you put into if its used fradulently etc. so be very careful doing that.
04/05/2007, 12:41 PM
Armando

thanks for the reply lads.

Just to confirm - if i put say 3 grand in my account and then spend it in the US I will not accrue any charges? And does that also apply to withdrawing cash from an ATM, no charges?
04/05/2007, 12:47 PM
paul_oshea

its a risky thing to put that much into your account. you will still pay cash withdrawals.

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