HfP ‘Credit Cards’ page updated for April 2017 – what are the best deals this month?

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• Steve says:

  2 Apr2 April 06:27

  Does the travel insurance on the Amex Platinum card cover you for all your holidays or just the ones booked via or paid on the card.

  • James67 says:

    2 Apr2 April 08:02

    I believe the medical elements are covered irrespective of where you book but other elements require you to book via amex travel. Others will correct me if I’m wrong.

    • TGLoyalty says:

      2 Apr2 April 08:14

      Don’t even need to book via AMEX travel just need to have been paid for using an AMEX issued AMEX (BAPP SPG etc)

    • Alan says:

      2 Apr2 April 09:15

      Almost, you need to pay using ab Amex-issued Amex, you don’t have to use Amex Travel. Car hire and medical covered regardless.

• Oli says:

  2 Apr2 April 06:39

  Does the car hire insurance on the Amex Platinium cover only the cardholder or does the insurance work as long as paid with the card?

  • Genghis says:

    2 Apr2 April 08:55

    Card holder. No requirement to pay with the card or an Amex

    • Oli says:

      2 Apr2 April 09:23

      Thanks Genhis. Would a supplementary card holder be covered?

      • Alan says:

        2 Apr2 April 09:29

        Yes – see Rob’s article on the Amex Plat for full details of what’s on offer.

• Nick says:

  2 Apr2 April 07:31

  Does anyone know how long it takes to receive the bonus anniversary MR points? My start date was 3rd march but on 28th march bill charged the £140 annual fee but still no points. I’ve called Amex where it’s ranged from should be 7 days aftercard renewal to 3 months. Terms says upto 60 days from renewal so basucally I’ve got another month before they could appear. Just wondered how long other peoples normally take. Thanks

  • Rob says:

    2 Apr2 April 11:31

    Took a month for my wife to get hers last year.

• Sam says:

  2 Apr2 April 07:47

  Hi,

  Is there a link for the IHG Creation targeted bonus sign-up for IHG Barclaycard holders?

  • Jonathan says:

    2 Apr2 April 08:09

    Mine was in the IHG app under messages but once you’ve read it, it automatically deletes after a week or so… currently arguing with Creation because I had a Barclaycard IHG, was targeted but so far only received 20,000 instead of 40,000 and having called creation twice the average wait time for an advisor was 15 mins both times so not having the best experience thus far.

    • Genghis says:

      2 Apr2 April 08:57

      @Liz reported that 20k of the IHG black bonus will be applied sometime in the first three months (I’ve only received 10k of IHG white)

      • Liz says:

        2 Apr2 April 19:00

        I was told over the phone I was definitely eligible for the 40k offer and the additional 20k pts will post later. I also emailed them and they have confirmed in writing 8 wks after application days – sorry previously said 90 days but couldn’t remember exact timescale.

    • Sam says:

      2 Apr2 April 09:26

      Thanks Jon,

      Yes I had the same message but it’s now disappeared.

      Could you paste a link here?

      Ta

  • Genghis says:

    2 Apr2 April 08:58

    I was targeted but have never held the IHG Barclaycard

• Stuart says:

  2 Apr2 April 08:53

  Can anyone explain how you can use a Amex PRG referral to get the SPG CC? I’ve tried it a couple of times and all I get offered is the PRG, Platnium or the Green card

  • Rob says:

    2 Apr2 April 11:32

    You can’t.

  • Genghis says:

    2 Apr2 April 13:24

    Officially you can’t I don’t believe but @rams1981 reported some success.

• Graham Walsh says:

  2 Apr2 April 09:51

  O/T Anyone know a good way of maximising points for car hire in Boston, MA over Easter? I see I have a 15% rebate with Amex Plat Credit Card. Any other tips?

  • Rob says:

    2 Apr2 April 11:33

    Use Hertz and book via the Australian site using the Amex Plat discount code. Target £20 per day.

    • Rob says:

      2 Apr2 April 11:33

      Then credit to Virgin for 1000 miles.

      • Graham Walsh says:

        2 Apr2 April 11:54

        Thanks. Also noticed that Virgin have 1k points offer with Hertz direct. Will check out the Aus site out for cost.

        • Graham Walsh says:

          3 Apr3 April 09:14

          I went with Virgin directly in the end. Travel plus we’re the cheapest plus 2 miles per £1 spent. Put it on Virgin black so might be double as “Virgin Holiday” spend.

• Michele Mas says:

  2 Apr2 April 11:41

  I have a question on the Virign Black Credit Card. Does anyone know if you hit the spending total in the first month and then cancel the card if you get the sign up points and bonus but avoid payinf the £195 charge? Thanks Michele

  • Jonathan says:

    2 Apr2 April 11:49

    Virgin card is £140, BA Amex is £195… Amex you get a pro rate refund. Virgin you don’t as it’s billed as the first transaction on the statement. With both cards, wait for the points to post before cancelling.

  • Alan says:

    2 Apr2 April 11:54

    You can’t avoid the charge with MBNA.

  • Genghis says:

    2 Apr2 April 11:54

    And remember Virgin black is a sunk £140 cost so you might as well keep the card for the year (unless of course you want to churn but then that’ll cost you another £140 and IMO not worth it – when you can just churn the White).

• Andy says:

  2 Apr2 April 13:42

  I have just got the Lloyd Rewards cards and am not impressed so far. One pin number arrived and said to be used with both cards, not so. The Amex one requires another PIN that you have to phone up and ask for. That took over a week to arrive.
  First 2 online transactions declined. Called to find out why, security measure to make sure it was me using the card. Not able to use contactless on either card yet.
  Called to ask whats up, security measure, just the luck of the draw they say.

  • Alan says:

    2 Apr2 April 14:08

    Weird – I know Lloyds can be a bit trigger-happy on the anti-fraud front but not had that many issues with them! Did you make sure your first transaction was a chip & pin one? That should enable contactless and hopefully make them less likely to block internet transactions.

    • The Original Nick. says:

      2 Apr2 April 14:29

      Very weird. I’ve not had any problems with mine. I’ve also got the upgrade voucher sitting in my account which is a bonus.

      • Jimmy changa says:

        2 Apr2 April 15:40

        Ive had no issues with my lloyds reward card and i only had one pin number for both cards, the only place that doesnt seem to like contactless is wh smiths.

        Re the upgrade voucher ive got mine despite it only being april and haveing spent less than £4k this year tis very odd.

        I assumed it was a year from the day you got the card however i had an online chat with lloyds and they said it was actually from first of jan to thirty first of dec.

        So now im not sure if i should leave any big spending till next year to try and get another one or carry on regardless

        The

        • Alan says:

          2 Apr2 April 15:46

          No, the person you spoke to was totally misinformed and you were right! It is every 12 months from the date of card opening. Their own T&Cs are poorly worded but, now being into my 3rd year of holding the card and having just triggered the £7k spend shortly before my 12 month anniversary each time I am sure you are correct! 😀 The majority of their agents do seem to get it right but there are still some with bad info.

        • Liz says:

          2 Apr2 April 19:24

          I am still fighting to get 4 mths worth of points. Previous calls all given different and wrong information – in Jan we were told 12 wks to resolve – now been told it will be a further 12 weeks because we didn’t make an “official” complaint and the 12 weeks are from the official complaint date rather than when we raised the original problem back in Dec! Unbelievable! Now had the £24 card fee refunded and hoping for much more compensation when it finally gets resolved. They still don’t know what the problem is and why some work ok and others don’t!

        • Alan says:

          2 Apr2 April 20:25

          That’s appalling treatment, Liz. Unless they come up with something decent I’d put a formal Ombudsman complaint in!

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