Two more Virgin Atlantic Clubhouse lounges join Priority Pass and Lounge Club

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• Faithy says:

  12 Jun12 June 11:55

  OT. Want to cancel my BAPP. Re the Avios to be transferred, will I still get them? Do I need to wait? If so how long? Thanks

  • Liz says:

    12 Jun12 June 12:12

    Wait till they go across about 6 days before your next statement date. If you cancel before they go across automatically you will have a real problem trying to get them as the link between the 2 accounts will be broken and they can’t relink them.

• MattP says:

  12 Jun12 June 11:58

  Just FYI. I’m in the LHR Virgin UC lounge today and they mentioned they have just launched a scheme to pay for spa treatments with miles. Not sure on the rates but will see if I can find out more for you!

• Louie says:

  12 Jun12 June 12:06

  OT: my experience with Amex MR points is that if you are due a sign up or similar bonus, the bonus will post with the transaction that takes you over the target spend. Has anyone had a bonus post later than that without intervention?

• N says:

  12 Jun12 June 12:14

  Saving for a wedding – non-essential spending is down to pretty much zero!

• Andrew says:

  12 Jun12 June 12:52

  OT: Amex PRG – if I book a trip using it and then cancel the card is the travel insurance on that trip also cancelled? Thanks.

  • Din says:

    12 Jun12 June 14:22

    IIRC any benefits from a PRG would go once cancelled

• GRIMZ says:

  12 Jun12 June 12:52

  OT has anyone had this done – beware of churning!
  Amex have just called me to ask why I have applied for so many cards. They’ve sent me a letter asking for financial information, and I can’t use my starwood card until they receive this information. They say I’m under financial review.

  • Mark says:

    12 Jun12 June 12:54

    how many did you apply for?

    • GRIMZ says:

      12 Jun12 June 13:34

      This is after being accepted, has just hit the bonus on the 1000 spend and has churned a couple of cards recently ie Plat and BAPP but nothing compared to others I know.

      • the real harry1 says:

        12 Jun12 June 15:07

        Doesn’t sound exceptional…I think you got unlucky for some reason

  • S says:

    12 Jun12 June 13:18

    I’ve heard stories about it happening in the US, but never in the UK.

    You must’ve done something special/thay aren’t particulary impressed with your credit record if they triggered a financial review.

  • Peter K says:

    12 Jun12 June 16:16

    Maybe you used different amounts for your personal/household income on the application forms. They track this story of thing.

  • James T says:

    12 Jun12 June 18:08

    Always the small possibility it’s a phishing scam. Chack before supplying any details.

• TripRep says:

  12 Jun12 June 13:49

  O/T: Just paid DVLA for VED using my Amex

  No £2.50 fee was applied, ie no card charge at all. 🙂

  Seems to only apply them on corporate cards?

  • Din says:

    12 Jun12 June 14:19

    I thought DVLA and GOV.UK overall dont accept amex?

    • S says:

      12 Jun12 June 14:20

      DVLA does

  • S says:

    12 Jun12 June 14:20

    Credit card surcharges were banned back in May

    • Genghis says:

      12 Jun12 June 14:52

      Jan?

      • Ben says:

        12 Jun12 June 15:27

        I also paid for my car tax yesterday. Very happy to see I could pay with AMEX

• Mikeact says:

  12 Jun12 June 17:47

  My local Honda garage still refuse to accept Amex…..I would like to point them to something that shows them in Black and white that they will pay no more than me using my Visa/MasterCard.. any ideas ?

  • Axel says:

    12 Jun12 June 18:08

    Your Honda Garage is quite right to refuse. The best rate they can get from Amex is 1.99% with a long wait for payment.

    Amex havent budged on their merchant rates for 2 years despite what is printed in black , white or blue.

    • Mikeact says:

      12 Jun12 June 19:21

      I see……..I assumed, wrongly, that they had fallen in line with Visa and MasterCard after the earlier EU ruling.

      • Anna says:

        12 Jun12 June 19:26

        I think it’s two separate issues, the retailer can’t charge you, the customer, for paying by credit card, but Amex can still charge retailer for the privilege of accepting it. That’s why so many places don’t accept it.

      • the real harry1 says:

        12 Jun12 June 19:29

        Are we not talking about different things here? Interchange fees are capped (for consumer cards) but merchant service fees are not. So Amex can legitimately still charge 1.99% in merchant service fees, within which (for consumers) the interchange fee will be only one element, @ 0.3%

      • the real harry1 says:

        12 Jun12 June 19:31

        Anna beat me to it (yet again!) sigh 🙂

      • Axel says:

        12 Jun12 June 19:43

        Yes Anna has got it right on the button.

        Last week I cancelled my merchant agreement with Amex after 28 years. Im sick of my staff getting shouted at by consumers that this or that is against the law..

        Pleased to read that hfp readers rise above this and see both sides of the fence

      • the real harry1 says:

        12 Jun12 June 19:50

        yep but playing devil’s advocate here, Axel, ‘staff getting shouted at’: the consumers wouldn’t know about the 1.99% or whatever unless you told them – so were you charging them ‘Amex surcharge’, probably perfectly legally given merchant service charge?

        binary: either you absorbed the Amex fees (kept quiet to consumers) or you didn’t

      • Axel says:

        12 Jun12 June 20:04

        Harry at 1950,

        Ive had this legacy rule that cards are a mimimum of £5 thats all.

        Its impossible to check what card is being used because of contactless especially for my staff who have no interest in understanding the theory snd practice of manufactured spend.

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