Chip Sengravy

I need one for a new job to bang expenses on, something I can view online etc..I've never had one so I'm buggered if I know whats a good deal or not.

any suggestions? I heard scoobynet members live their lives on the tick, so thought it would be a good place to ask

davegtt

Egg is my recommendation, seem to be a good bunch and easy to deal with.

dharbige

If it's going to get paid off fully every month, you want to get a money back card.
American Express Platinum is best with up to 2% back, but there are quite a few places that don't accept Amex.
The best non-Amex card is Morgan Stanley platinum card with 1% cashback.

Petem95

Morgan Stanley platinum are pretty good - its easy to check your statements online, and you can pay them online and arrange direct debit payments too.

You also get 0.5% cashback on everything you spend (used to be 1%!!) but still better than nothing!

Chip Sengravy

cash back ...Morgan Stanley sounds good. what is the customer service like?

dharbige

Only just received mine, so I don't really know yet.
However, they haven't implemented a full EMV (Chip & PIN) solution yet, so they do not have a facility for changing your PIN at an ATM. You have to fill in a form, send it back and they send you a new card .

Oh, and the Platinum card is 2% cashback for the first few months, then 1%.

Tony MY03WRX

Have a look here m8......

http://www.moneysupermarket.com/cards/credit_card.asp

Tony

Petem95

Its now only 1% for the first £2k you spend on it, then it goes to to 0.5% - used to be 1% on all spending... still better than nothing!

Ive been very happy with Morgan Stanley - their online statements are excellent, and its nice being able to just log in and pay off your balance with your switch card, or setup a direct debt to automatically pay off your balance each month.

American Express platinum 2% cashback isnt as good as it first looks - you get 0.5% back on the first £3k, then 1% back on the £3-£7.5k, then 2% on spending over £7.5k...

darren...

The limits are correct for the Amex platinum card - That said if you're booking flights etc then it doesn't take long to get into the 2% bracket on the Amex. I've never had a problem using it on business but some retailers don't accept it (I believe that Amex charge the retailer more to use their card versus Visa/Mastercard) so I also have a Morgan Stanley platinum card for those.

ben44

Including the American Express Foreign exchange shops!

ben44

Including the American Express foriegn exchange shops!

Ray_li

Used mine for about 6 months and its sweet so far.

Chip Sengravy

where are the CS based? I prefer to speak to a representative thats aux-faix with the queens english

Jaydee5

Isn't that what parents are for

Chip Sengravy

I maxed them out 2 months ago

Jaydee5

Lol, you're out of the will then

Ray_li

MS are based up north somewhere

Chip Sengravy

geordies?

english..just!

RJMS

iTrader: (2)

Excellent - apart from they insist on trying to sell you payment protection insurance - after 5 years of always paying the balance of it full at the end of the month you would have thought they would have realised they were wasting their time. Also got the AMEX platinum, one thing to watch on these is the CSV number - caused a certain amount of confusion until I established that it's on the front of the card (and 4 figures) not on the signature slip as most others. To be fair some websites mention this - others however do not.

James Neill

iTrader: (1)

I went for a BMI Card to get the points. 2 points per pound and 20k points for flight in Europe. Good deal I thought

http://www.flybmi.com/bmi/en-gb/freq...reditcard.aspx

Oh, and you get 20k points as soon as you apply

Stephb1986

i dont have a credit card sorry i just use bank of mum and dad and then pay it off at the end of the month with them

Boost II

iTrader: (1)

They're really on the ball. Had them call me a couple of times to check out transactions they think look unusual, such as the other week when I used Tesco "Pay at the Pump" to fill 2 different cars up on the same day. Also you normally get somebody that knows what they're on about if you ring them up.

RJMS

iTrader: (2)

Yes, I had the smae when we were in France and for some reason my card did not work but my wife's (same account) did. They rang me to check that everything was above board.

Ray_li

Anywhere past Stoke-on-Trent is north to me.