Credit cards where to get one

[Pauly]

Its interesting to hear that its so tough to get one over there…… they will throw them at you with massive limits over here with little to no worry at all.

[Shane Drew]

you’re not wrong Pauly.

I have to keep rejecting the new credit limits all the time. 😕

They are obviously not fussy.. after all, I wouldn’t lend me that much money. 😳

Mind you, any bank is not happy unless they have you by the short and curlys 🙄

Plenty of people tick ‘yes’ and worry about paying off the debt later….

.. it seems the more money you owe, the more they’ll be happy to lend you.

[Micheal Donnellan]

They are a pain to get hence the feeling of banging my head off a wall. There is also a government levy of €40 (aus$60?) just to own a credit card (which the bank counts against you) and if you transfer from one card to another you have to pay twice.

[Ian Higgins]

My Advice to anyone is Keep clear of Credit cards FULL STOP!!!

Try and get a debit card which comes straight out of your account.
enan oedraft is better than a credit card…At est with a Debit card what you have bought you actually own..

Just my Two penneth worth.

Cheers
Ian

[Brian Hays]

Can’t see the problem with credit cards used sensibly Ian? I have got 4 & use them all the time. I pay them off every month so there is never any interest. Gotta be better than an overdraft.

Michael, have you had no chance with the bank you use for every day banking? Capital One is apparently one of the easiest cards to get in the UK. Not sure if you can get those in Ireland? I know they generally start people off with a very small credit limit. And charge lots of interest if you don’t pay the full balance every month.

[Micheal Donnellan]

quote Brian Hays – Impact:

I have got 4 & use them all the time. I pay them off every month so there is never any interest. Gotta be better than an overdraft.

easy for you to say Brian you a supplier = rich = banks love you

I am just trying to get the 1 card
Micheal = poor = banks not like much

Capital one is not in Ireland and I am just hearing bad reviews.

the Irish debit card is Laser and is rubbish as its barely accepted in Ireland and useless abroad.

main reason I am looking for credit card is convience when ordering abroad (uk mainly) as I was looking to order something a whlie ago with bank draft about £5 in charges for me which is supposed to cover and costs involved. But the guy i ordered it with said was £40 charge on his side wich was the nearly price of what I was ordering. Normally I assumed there was no charges for bank drafts in uk as have order other stuff and not had this problem. Has he a greedy bank?.

any irish out there?

[Brian Hays]

Wish I was rich mate, would be sitting here in an air conditioned office if I were.

10 years ago I was in the same boat as you, ie just starting out. Seemed to be very easy to get credit then as well. Probably too easy. Maybe Irish banks are not so keen to hand them out 🙁

Also don’t think the credit card companies like the likes of me, they prefer people that don’t pay all their bill every month. They don’t make so much out of me 😀

[John Childs]

I think that credit cards are a useful tool. At the very least I can keep my money in my account for as long as possible. As with any tool though, they must be used properly and, like Brian, I pay mine off every month. I do it by direct debit because I used to forget to pay and that is the opportunity they were waiting for to charge me interest.

Similarly, we use fuel cards for buying petrol. Lovely things. Just one invoice per month listing dates, times and registration numbers. No messing about with silly little receipts that, no matter how hard you try, there is always one that gets lost.

[Micheal Donnellan]

Paying them off monthly by direct debit is what i would if i could get the damm thing in the first place. It just really frustrating :headbang2:

[Lynn Normington]

Micheal don’t pay your card (when you get one) by direct debit if your cash flow isn’t good it can tip you over the balance, just pay in full as soon as you get your bill so you pay no interest but you have had the use of their money for maybe a month. Plus if you pay by credit card you get deleveries quicker.
like others have said they hand them out like toffee here which is why so many people get in trouble 🙄

Lynn

[Pat Byrne]

Hi Michael,
Have you tried MBNA?
Don’t use them myself,recently my wife applied for one but didn’t take up their offer and she is constantly telephoned/ written to by their sales staff with offers.
Can’t see how your bank will not issue one even with a small limit to start off with and when you get some sort of credit history it can be increased.

Hope MBNA helps or some of the multiples ( tesco etc) might be worth a look
Pat

[Peter Normington]

Micheal, if you have a good credit rating (personally) getting a card should not be a problem

If its your first application then the credit card company will need to check your "history" But if you dont have a "history" they wont give you credit.

If you hold a bank account, your bankers will know your history, and issue a card.
Otherwise you are in catch 22 mode
Peter

[Phill Fenton]

Hi Michael

If you can’t get a card you’re welcome to have one of mine. Email me your address and I’ll send you one..as long as you don’t mind being liable for the debt and outstanding interest 😛

[Nicola McIntosh]

quote Phill:

Hi Michael

If you can’t get a card you’re welcome to have one of mine. Email me your address and I’ll send you one..as long as you don’t mind being liable for the debt and outstanding interest 😛

was waiting on that one :lol1: :lol1: :lol1:

nik

[Shane Drew]

Michael,

We had a scandal here recently, the banks were sending letters to kids (still in school) ofering them a credit card with a low credit limit.

Does not seem fair that our unemployed kids can get one, and you can’t.

What a funny world we live in. 😕

[Micheal Donnellan]

Going trying the MBNA routhe as well as talking to bank again. as for history its mainly money in (wages) money out (life) and never had a loan or overdraft to payback so I don’t really know what sort of history I have.

[Micheal Donnellan]

an update
Got a gold credit card from MBNA with a credit limit of €1500, vastly more than I though I would get or wanted.
MBNA has monstrous fees and charges though. My main bank has one of the better cards but cant get it as literally am not rich enough for them to consider giving me a card. Now I have to decide to pay by direct debit or online banking (will my bank be happy I am paying MBNA?). What is odd and slightly worrying is that when paying by cheque it is sent to a PO box that is only a few miles down the road from me.

Anyone have any experience with payments for MBNA via direct debit /whatever

[John Childs]

quote Micheal Donnellan:

will my bank be happy I am paying MBNA?

Who cares? If they won’t give you one of their cards then sod ’em!

I’m not a big fan of direct debit but I do use it for card payments as the penalties for late payment are out of all proportion to the offence. With dd, late payment is their problem, not yours.

[Dave Bruce]

Micheal, I have three MBNA cards collected over the years, the highest interest one I haven’t used for years, but the lowest interest one gets use now and again. You can view statements etc on line change your pin, make payments and all that gubbins.

I have found them great and easy to manage online.

Dave