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The HfP chat thread – Thursday 26th November

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We have decided to run this daily chat thread on Head for Points during the coronavirus outbreak.

Historically, the daily ‘Bits’ articles were the de facto repository for random comments and questions.  With the news flow being lighter, we are running fewer ‘Bits’ articles.

The comments under this article are where you should post questions about travel and, indeed, anything else on your mind.  At this tricky time, and given that many of you are at home, we want the HfP community to have a place to chat.

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Comments (354)

  • YC says:

    Interesting lockdown activity for amex golds (potentially good value if they end up sending a normal sized bottle):
    https://www.gastronomes.co.uk/eat-life/festive-spirits/

    • Matt says:

      That link doesn’t go anywhere…

      • YC says:

        Strange – worked this morning. I found out via logging into my amex and there was a banner at top. Essentially £18pp for virtual canapes and cocktail making event.

  • TechnoT says:

    Looks like RebellingCo have been playing with merchant codes over the past couple of days. I just got charges 2.99% for loading my account with a HH Visa CC the other day, which didn’t happen before. One more MS tactic out the window…

    • Genghis says:

      RebellingCo? Is that Storonsky’s?

      • TechnoT says:

        Yes, it is. Figured it makes sense to use a pseudonym for the firm that doesn’t include the verbatim full name in it…

    • Lawro says:

      Ouch! Just checked having seen your comment and also had charges applied for a transaction on the 24th. A real blow if that’s a permanent change.

    • Aston100 says:

      Hmm… shouldn’t these revolutionaries give some kind of notice if they are intending to apply a charge for CC topups?

      • TechnoT says:

        Could have been done selectively to accounts they see as breaking the rules. Happened in Jan with a number of accounts before the MC-wide change.

      • The Urbanite says:

        I’m not sure a merchant is required to notify anybody that they’re changing their MCC to one that more closely reflects what they do.

        Re: the charges, there are usually clauses in the credit agreement that cash like transactions will attract a fee with no interest free period so not convinced anything is due from the card issuer either!

        Unless there’s a compelling argument that buying e-money/topping up an account isn’t a cash like transaction, I’d suggest the best way forward is to ask for the fees to be waived or covered by the merchant on a goodwill basis.

        In an ideal world these pesky fees wouldn’t exist!

    • avstar says:

      anyone see charges topping up with IHG? did a test but nothing appeared so far

  • Asim says:

    Does Metal bendy not work with COT anymore? Tried paying off the Brighton outfit with underlying COT but was declined by COT.

    • TGLoyalty says:

      Something changed on Thursday. Either curve has updated the MCCs or Is just applying the pass through properly.

      • Asim says:

        Do you think it’ll change back (ie they made a mistake) or is it here to stay?

        • TGLoyalty says:

          No it seems to have gone back to how it was pre moving away from wirecard (so probably correct)

        • Ben says:

          Something definitely changed. My COT account was blocked from the weekend because I tried to pay Virgin money. Had to call COT and explain. Got a slap on the wrist

    • Peter K says:

      I’ve never been able to pay other cards with CoT via an intermediary.

    • Harold R says:

      Interesting I used COT to pay Brighton last week via bendy and got a call from COT to explain the card is for business purposes and not personal while I wanted to explain I felt it better to apologise and say I wouldn’t do it again.

      • Andrew M says:

        That was probably the best response. Explaining what you were doing might not have ended well.

      • TGLoyalty says:

        What’s there to explain? Businesses don’t have Amex or curve accounts?

    • Asim says:

      A £200 cash withdrawal went onto COT fine today. So maybe the restriction is on Brighton, virgin, Lloyds etc.

    • The Urbanite says:

      It works perfectly fine. Capital on Tap block transactions with certain MCCs which was temporarily bypassed with Curve not passing through the MCC, but no longer is.

  • TechnoT says:

    Has anyone else had Monese cancel their accounts with practically zero warning (got an e-mail stating they couldn’t verify some data about me, yet I’d never been asked)? I have never used used my account with them for anything remotely MS-related. I think most I ever did was buy a few discounted gift cards when they were on offer….

  • Jimbob says:

    What’s the likelyhood of a 25% bonus for converting HSBC premier points to avios during December?
    Might do a little test transfer on 1st December to see.

    • High Grade says:

      Let us know how you get on Jimbob. I have a stack of HSBC points and have been waiting for the offer. I thought it normally ran in August.

      • Andrew M says:

        +1 I’ve been doing a small test transfer every month for the last few months but no bonus. We must be due something fairly soon. Surely BA could do with the cash right now? We’ve occasionally seen a 50% bonus in the past so I’m hoping (perhaps optimistically) for that. Fingers crossed for December.

  • TechnoT says:

    It looks like my Miles&More Diners/MC annual fee hit this month. Does anyone know whether I can get this removed if I cancel the card (haven’t spent anything on the card after the annual fee hit, but do have one transaction this month from the prior date)?

    • TGLoyalty says:

      Since the card has been withdrawn are you sure you want to cancel? It has its uses!

      • TechnoT says:

        My primary use for it is keeping M&M miles from expiry (120k) but seeing as I don’t think I’ll make use of them in the next year or so, I was thinking of using them on the LH WorldStore with the Black Friday 25% discount (about 0.4p value per mile).

        Was hoping the incoming Visa card will be usable to load RebellingCo, but it looks like that venue is now gone. If you have any other use in mind, I’m all ears 🙂

        • Rob says:

          That’s a huge mistake in my view. We’re off to Dubai for Christmas – no chance of redemption seats on BA now, but wide open across Lufthansa and SWISS. One-way for four of us was just 131,250 miles in Business.

          • TechnoT says:

            Agreed that LH is great value for ME travel. I just don’t see any use for my miles until 2022 potentially, which is 160 quid spent on card fees in the interim.

        • TGLoyalty says:

          No idea who RebellingCo is

          M&M worked with Rev as of Monday when I topped with no fees.

          • TechnoT says:

            It is Rev… figures it makes more sense to use a name for them that doesn’t include the full name of the company.

            You weren’t hit with cash advance fees on the M&M MC after topping up Rev?

          • TechnoT says:

            BTW you may want to check whether you’ve been charged fees if you’ve topped after Nov 24. That’s the date for which I was charged on a HH Visa, as mentioned above.

          • Yan says:

            Yes, M&M cash adv fees fall on similar avenues from this Monday

          • TechnoT says:

            Thanks, Yan. So looks like M&M MC and HH Visa were both affected. Guessing the change affects every card then…

  • Frankie says:

    Does anyone know if hotel bars will be open for drinks only, in new Tier Two, if you are staying at the hotel?

    • Rob says:

      May be possible if outside guests are banned but hard to police so unlikely. Even now you can order drinks via room service without a meal.

  • Lee says:

    Data point, spent £30 at Esso/Tesco without fuel didn’t trig the £5 off offer. Remember someone mentioned this a few days ago that other spending would trig the offer.

    • Craig says:

      Mine hasn’t triggered yet, I’ve taken screen shots and will push back in a few weeks if needed. Is the Esso you used on the participating locations list?

      • Craig says:

        Also, the offer excludes payment by App, which I find somewhat perplexing at the moment when I thought we were trying to reduce contact?

      • Lee says:

        Yes, it’s on the list

    • Vit says:

      I filled up mine a couple day ago but paid at tesco cashier and not “at pump”. Payment is clear now but still waiting for the £5 off to come in. 😐

    • TGLoyalty says:

      How does Amex know what went through the til?

      The card machine will be exactly the same so regardless of buying fuel or something else or a mix it should go through with exactly the same merchant ID or did you use self checkout?

      • Lee says:

        TG, that’s exactly what I think. Cheekily bought £30 Tesco GC hope the offer will still be triggered.

      • Super Secret Stuff says:

        I agree with TG. If you pay at the till should go thru OK. Pay at pumps should definitely go thru. You’ll just have to wait.

        Self check out, should go thru but if they have been super clever they might have different merchant IDs as you can’t pay for petrol on them they technically aren’t an esso / tesco joint venture. Highly, highly unlikely tho.