Credit cards

**paul_oshea** · 07/11/2006, 11:57 AM

I've never seen a credit card bill that can be paid by credit card

some cowboy operations will allow this, but the majority wont, the first question they ask is it a debit card/laser or credit card you are using. Once its established they are trying to pay with a credit card, they are told you cant use "credit against credit" , obviouslly it doesnt help either bank to use credit against credit....

Btw, I have seen kiting work magically. Also there is some taxi guy in dublin who wrote a book about this sorta thing, when buying houses off plan, cant remember the author. But trust me it does work. I am not advocating it for small children however.

Assumed he'd be withdrawing money on it and paying off another bill that way...

MUGU!

hehe,

he is alright, but there is something really cool about that name/word.

there is another name for "credit on credit" but i can't remember. i hate forgetting these things, as you sound really cool in this situation!!! :JOKE:

**paul_oshea** · 07/11/2006, 12:06 PM

Ok, here is a question actually, WHY ARE DEBIT CARDS not in force over here, and don't come back with the laser are debit cards, as they are not. Over in ireland htey look at ye like you have two heads when you say can i pay by debit card.....I know HBOS are brinigng one in finally to kick the arses of the gobsheens in aib and BOI.

They are so handy, especially when buying shares from brokers etc over in the uk, speaking mainly for my father there who is always asked and has to pay by credit card and it drives him mad.

Is it simply a case of debit cards costing the banks money without enough return?

**anto1208** · 07/11/2006, 1:14 PM

What you want is a 3V voucher it works like a credit card for buying online but you buy the vouchers like mobile credit , not sure how it works i think TSB do them , just google it and something will pop up .

will stop you getting in debt !!!

**paul_oshea** · 07/11/2006, 1:17 PM

What you want is a 3V voucher it works like a credit card for buying online but you buy the vouchers like mobile credit , not sure how it works i think TSB do them , just google it and something will pop up .

NO! what you need is a debit card like every other civilised banking-based-country has.

**Dodge** · 07/11/2006, 1:35 PM

AIB do Maestro cards. I presume thats enoough of a debit card for you?

And gambling sites don't allow 3v vouchers apparently (and they're just plain rubbish anyway - charges, expiry dates etc)

**paul_oshea** · 07/11/2006, 1:46 PM

AIB do Maestro cards. I presume thats enoough of a debit card for you?

well it will do dodge, but i was more looking along the lines of "visa" so can be used like credit cards in european countries and the states not like maestro/solo, yet its debit a la delta/electron.

**Macy** · 07/11/2006, 1:53 PM

Laser cards are debit cards. Just a different company that operates them. In the UK, debit cards are VISA or Mastercard, which effectively means you can use them anywhere that'll take a credit card.

Laser was a company set up by AIB and BoI irrc, rather than have to pay visa or mastercard. Probably so they could make even more money. Laser Cards were still debit cards, but weren't and aren't internationally recognised. I think I've heard that the two banks are moving away from Laser and looking at a Europe wide alternative - but won't necessarily be Visa or Mastercard (think there's a third player in europe). This was a while ago, so they could've made that decision by now.

Dodge - as things stand, I think the AIB Maestro is still Ireland only, and is currently only a replacement for Cirrus or whatever the fook the brand was that allowed you take money out of foreign atm's. I don't think you can use it as a debit card abroad. This may change obviously (hopefully).

**paul_oshea** · 07/11/2006, 1:58 PM

In the UK, debit cards are VISA or Mastercard, which effectively means you can use them anywhere that'll take a credit card.

eh no it doesnt, they wont take maestro in europe or america, tried it in both and it didnt work....and yet they were accepting my mastercard or Irish visa card. so thats wholly wrong.

CIrrus, and link allow you to take money out worldwide ( on any pass machine with their logo shown )

afaik maestro are an almagamation of switch and solo, its certainly switch, the other options are electron/delta which are both visa. I didnt know maestro was mastercard, i still amn't too sure but if you say so....

**Macy** · 07/11/2006, 2:28 PM

Originally Posted by paul_oshea

eh no it doesnt, they wont take maestro in europe or america, tried it in both and it didnt work....and yet they were accepting my mastercard or Irish visa card. so thats wholly wrong.

I don't know about Maestro/ Mastercard, however my UK Debit Card, which is a Visa card can be used anywhere that takes Visa. The bank even pushes it as a cheaper way to pay for goods abroad! The fact it's a debit card is irrelevant to the retailer.

**paul_oshea** · 07/11/2006, 2:38 PM

I don't know about Maestro/ Mastercard, however my UK Debit Card, which is a Visa card can be used anywhere that takes Visa. The bank even pushes it as a cheaper way to pay for goods abroad!

Ya, so that point you originally made about them being either mastercard or visa is wrong. There are 4 main types of debit cards in england. TWO of which are visa debit cards ( electron/delta, if you want to find out, check the back of the card and above the signature strip it will say which it is ) and can be used like a credit card abroad, the others cant!!!!

**Macy** · 07/11/2006, 2:52 PM

Originally Posted by paul_oshea

Ya, so that point you originally made about them being either mastercard or visa is wrong.

Just assumed that Mastercard ones would be the same, I didn't mention Maestro bar to say I didn't know!

Originally Posted by paul_oshea

TWO of which are visa debit cards ( electron/delta, if you want to find out, check the back of the card and above the signature strip it will say which it is ) and can be used like a credit card abroad, the others cant!!!!

No electron or delta anywhere at all on my card. Only branding is the bank and visa.

**pete** · 07/11/2006, 2:53 PM

While your on the topic.

I got charged "cash advance fee" when I purchased foreign exchange with my AIB Visa Card. Not had chance to ring the bank but anyone know if this correct? I know there is charge if i withdraw Credit Card cash from ATM but was not aware of this other charge. I paid commission on the currency exchange so extra credit card fee seems unfair.

**paul_oshea** · 07/11/2006, 4:09 PM

Just assumed that Mastercard ones would be the same, I didn't mention Maestro bar to say I didn't know!

In the UK, debit cards are VISA or Mastercard,

MUGU!

That statement to me IS A UNION ( Relational Algebra )of all debit cards infering they are one or the other of the above.
Maestro card ( same as solo ) is a debit card, bold it, italic it ( like you did ), underline it, do whatever its still a debit card, and they are not Mastercards.

I got charged "cash advance fee" when I purchased foreign exchange with my AIB Visa Card. Not had chance to ring the bank but anyone know if this correct? I know there is charge if i withdraw Credit Card cash from ATM but was not aware of this other charge. I paid commission on the currency exchange so extra credit card fee seems unfair.

I dont know what its like at home, but over here AIB (GB) will charge a fee on any currency bought using a credit card. Not sure if that is worked into it as a commission charge though. Did you get charged commission as well? If not it might be just another way of calling it....

**sligoman** · 07/11/2006, 4:41 PM

Originally Posted by drinkfeckarse

I regularly change my credit card to ones which offer 6-9 months with 0% interest on purchases or balance transfers. I always recommend that people do the same as it's no hassle at all to cancel your existing one and to set the new one up.

I don't think I've paid interest for about 2 years

I work for a bank so I've seen plenty of your types about

. That's the reason some companies now charge BT fees

. As for changing the card regularly, as someone pointed out already, that doesn't work here as their is the government levy on all cards.

Think it was Dodge that mentioned bout the online bookies not crediting any winnings back to the card, I don't mind that. No problem been sent a cheque, just don't want to be charged a fee everytime I top up my card.

**paul_oshea** · 07/11/2006, 4:59 PM

sligoman, i thought after working for such a company you would certainly have decided against getting the same companies credit card

**sligoman** · 07/11/2006, 5:11 PM

Originally Posted by paul_oshea

sligoman, i thought after working for such a company you would certainly have decided against getting the same companies credit card

I have cos they charge a fee on gambling transactions, keep up Paul

.

**pete** · 08/11/2006, 9:42 AM

Originally Posted by paul_oshea

I dont know what its like at home, but over here AIB (GB) will charge a fee on any currency bought using a credit card. Not sure if that is worked into it as a commission charge though. Did you get charged commission as well? If not it might be just another way of calling it....

I think i bought 200 euro or so currency so commission from company included in bill total. AIB added something like 3.50 onto my bill separately. Aside from obvious profiteering i can't see why they would need to charge me separately as they will still get their cut from the total? If the currency unwilling to accept credit cards they should have not taken from me.

**paul_oshea** · 08/11/2006, 10:07 AM

I think i bought 200 euro or so currency so commission from company included in bill total. AIB added something like 3.50 onto my bill separately. Aside from obvious profiteering i can't see why they would need to charge me separately as they will still get their cut from the total? If the currency unwilling to accept credit cards they should have not taken from me.

Ya its about �1.50 over here, spoke to the missus last night about it, it is called a cash advance fee, and it is not part of the commission. its just a standard charge as you are using your credit card, like you are about to take money out of the hole in the wall and get currency for that money, essentially they take �200 "out" of your account, and then convert it at the day rate....that was her explanation anyhow.