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The HfP chat thread – Wednesday 15th September

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We are running 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 (421)

  • YC says:

    Question on BA evouchers – To get Amex travel cover (delay, baggage lost, etc). Is it advisable to not pay for the whole flight with vouchers and put something on the amex? If so, what is the minimum amount to get the travel protection? Get confused with S75 where I think its £100 min

    • AL says:

      Be careful here, YC. Section 75 applies to credit cards – if your Amex is a charge card, it doesn’t apply. But, regardless, AmEx has an insurance product that covers to the same extent as Section 75, even though it is not. Section 75 claims require *at least* £100 to go on to the card – I assume this is the same as their purchase protection. £100 itself will not suffice, so play it safe and stick £100.01 (or £101) on.

      There’s an HfP article about Amex and S75 at https://www.headforpoints.com/2020/04/17/use-section-75-to-get-a-flight-or-hotel-refund/.

      • StevieKicks says:

        S75 requires the total bill for each item to be over £100, but you’re still covered if you pay £1 of that on credit card and £99 in another way

      • YC says:

        Thanks AL – good spot on the £101 for S75. But I’m still unsure on how much needs to be paid to get travel insurance on Amex. £1?

      • Peter K says:

        Actually, for section 75 to apply, the value of the item/product being bought has to £100.01 or higher. Your can put any amount of it on a credit card and be covered.

  • Lee G says:

    After a spot of advice.

    We have a Feb ‘22 holiday booked with BA, originally due in and out of Gatwick but it’s one of those that has been moved to Heathrow.

    Am I within my rights to request that we depart from / arrive into an alternative airport? Manchester would be more convenient for us and they have flights on the same days (connecting at Heathrow), but wasn’t sure whether that’s a reasonable request.

    • Anna says:

      You don’t have EU261 rights with package holidays, if that’s what you’ve booked. It’s worth calling BA to discuss your options but you might just have to cancel and rebook.

      • Lee G says:

        It is a holiday Anna. Thanks for the info, I’ll give them a call when / if things calm down on their phones. Using Heathrow isn’t the end of the world, it’s just that Manchester is much easier to get to from Leeds!

  • Colin MacKinnon says:

    Creation got a new logo on their app!

    (All the money saved by blocking Curve had to be spent somewhere!)

    • Rob says:

      For a company which has closed all their cards except one to new applicants it seems a weird way to blow the little cash they have.

    • Jonathan says:

      I had a quick look on Creation’s website and it’s page for credit cards currently available to new applications, only the white (sigh) as available (!), further below on the webpage there’s a picture of someone smiling and holding the black card, which has been closed to new applications for I think roughly 18 months !
      You could play dumb and ask them if you can apply for the card the pictured person is smiling and holding !

  • Sina says:

    Data point – I can now confirm that a gift card purchase at Morrissons got me(tracked):
    – 10% at Virgin Atlantic card
    – 5% at Virgin Atlantic supermarket promo
    – 8 points at Shops Away
    – 10% Airtime rewards
    – 10% Perks at Work

    Intending to use the gift card to buy new pair of Apple watches later this month!

  • Charlie says:

    Anybody had any experience with getting cashback from an offer and then returning that product, does the cashback get taken back?
    Looking at maybe cancelling our holiday booked through Easyjet in June and got £200 cashback for it….. thanks

    • mark2 says:

      Usually T&C say yes, but often the refund is for a slightly different amount so difficult to tie up.

    • SteveJ says:

      Yes it does

    • Andrew says:

      It *should* be charged back to you.

      All depends on the provider. I’ve found that Amex tends to match well as does Airtime.

      The various bank schemes vary in accuracy, I haven’t had anything charged back after it’s been credited. I suspect that they treat the month or so before they credit as a buffer zone for returns then everything else was paid for out of the company’s marketing budget anyway.

      PAW, BA, VS and unmentionable sites will claw back even years later.

    • Chris says:

      It might get taken back, it might not. You might be £200 up, but might have your account suspended/cancelled.
      YMMV.

      • Andrew says:

        An account shouldn’t be cancelled or suspended because an individual has unintentionally benefitted from an organisation’s sloppy processes.

        It’s not as if they bought their “mother-in-law” a stack of Christmas presents from Perspiring Patricia, Rubbery or Plastic Lakelands at the end of November, to deliberately take advantage of the extended returns policy, then disconnect PAW and Airtime on Hogmanay and return them in January after the Visa Offers had been credited.

    • John says:

      Airtime just took money off my balance for a refunded item, before the original transaction had credited.

  • Aston100 says:

    A few days ago, I enquired here about Amex Plat insurance in regards to tyre replacement on a car hire.

    Can confirm this was indeed covered.
    Car was hired through some other Amex card.
    Claim process required an online submission which I found slightly confusing in regards to a page where you had to select various dates – all on that same page. But otherwise straight forward filling in various details and uploading receipt for the tyre and the car hire t&cs.

    Six days later, received the money straight into my bank account.

    Oddly, other than a confirmation email with my claim ref, there was no other contact, not even to confirm the claim was successful.

    Glad I didn’t cancel my Platinum card!

    • Aston100 says:

      Oh sorry, forgot to say this was a UK car hire. There was some speculation about whether UK is covered, or if the car hire has to be part of a trip or something.
      That did not seem to be the case here.

      • KS says:

        I’m glad it worked for you! T&Cs specifically change the definition of trip to include “any” journey for car rental within country of residence so I wouldn’t worry about a car rental being covered in UK even if it is for something like commute to work.

    • Rich says:

      I don’t think the car hire has to be paid on an Amex at all, to be covered on the Plat?

  • Andrew says:

    Manchester Airport “Live flight departures” page on their website doesn’t actually say when the aircraft departed! What’s the point of that ? 🤔

  • Gringo says:

    Can someone please confirm which DXB terminal BA fly into? The ticket says T1 but a rep told me it’s usually T3. Thanks!

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