Maximise your Avios, air miles and hotel points

Forum Replies Created

  • in reply to: The British Airways Prepaid Mastercard thread
    QFFlyer

    Tried activating my card just now and that’s failed as well.
    No idea what was left on it, but £7.xx or so last time I looked. Can’t see the balance unless it’s active, so no idea if they’re taking £2.99/month off it or what.

    I have found it handy for Sainsbury, Boots etc. shops. Bonus Avios here and there for purchases I’m making anyway is a good thing.
    Had a few 1000 Avios off it (lost a few hundred this week as I can’t activate it and have made some transactions in shops / online that had to be paid with other cards)

    The monthly fee comes off the debit card you have linked to the prepaid one even if you have enough on the prepaid one as cover it.

    I had a credit card linked to mine, and have since removed it (so it’s linked to nothing and unusable), wonder what they’ll try and do, since they never bother answering in chat. Got the signup bonus 5x times though and 1,300 Avios each month from spend, so it’s not been the worst product in the world (although a £3 fee and £2.6k monthly spend limit makes it a useless one ultimately).

    in reply to: Etihad Guest Miles best Use
    QFFlyer

    Booking Virgin Australia flights.
    You could cash them out via Rewards Pay too to actual money, if you don’t think you’ll ever have enough for a decent redemption.

    in reply to: Amex ICC (USD) payment methods
    QFFlyer

    Update from me here, I’ve been using Transferwise to pay mine since I re-applied for an ICC earlier this year, has worked flawlessly every month and taken 2-3 days max to credit, best option I’ve found so far, even better than using my USD denominated HSBC/Citi accounts. Largely moot now as I’m only now holding it for insurance purposes since triggering the SUB and moving a large stack of UK held MR points to it (for 1:1 to SQ).

    Strange that I can use Transferwise to pay my actual US Amex via Direct Debit, but not this one. But never mind, it is what it is.

    Shame to see they’re not being offered directly by Amex any more, UK wise it seems HSBC aren’t offering them either, only Barclays International still offering them, as far as I could find.

    in reply to: Chase Ultimate Rewards credit cards
    QFFlyer

    Used? Yes. Obtained? Depends.

    in reply to: PayPal circular connected transactions
    QFFlyer

    Yep agree with the above, this is incredibly easy and equally risky to (mainly) your PayPal account and also your Amex account. Now and again, for reasonable amounts, is ok (and even permitted, seemingly – they have a pay friends and family feature), but using it to deliberately obtain cash advances (which is exactly what’s happening) is specifically prohibited by PayPal. I guess PayPal will decide/define reasonable, when/if the time comes.

    in reply to: Creation Financial Services bashing
    QFFlyer

    In general, there are a great many dire investment products particularly those offered to new SIPP people who have already received bad advice to transfer out of occupational schemes, the error of which will become increasingly apparent with high inflation and difficult equity markets eroding savings. Another area is equity release aimed at retirees which often only works in favour of the provider.

    My point to @jj was that the FOS isn’t interested in the value of the product unless you have actually been mis-sold or mis-sold a product, but if you have chosen a useless / valueless product that’s the client’s lookout.

    Going off on a huge tangent here, but this resonates – a few years back I had out of the blue contact from one of those firms who’d obviously found me via Linkedin and knew I once worked in the UK and was likely to have a deferred final salary pension (I do) – all sorts of sales tactics trying to convince me how good an idea it would be to transfer that to Australia somehow (SMSF would be the only way, since no super funds are QROPS, given we can access the $ at 60, or earlier in various cases).

    I can only speculate on the outcome, as I knew in the back of my mind that it would be a terrible idea (index linked defined benefit converted to a lump sum, some time away from retirement), and that they’d almost certainly not be doing it out of the goodness of their hearts. But I could see how easily people would be sucked into things like this, especially with the promise of having all their assets in one place (and one currency, but I’ll worry about that when the time comes).

    in reply to: Hilton credit card delay in points posting
    QFFlyer

    Mine from my November statement, all 16 of them, posted today.

    I can see my 25k signing up bonus on my Barclays app but it never transferred to avios beginning of this month (but got the monthly 1.5k) there is no date next to the 25k like it is with the 1.5k, just wondering when i will get it, does it have a date next to yours?

    The 25k showing up in the app is normal, it will post after month 4, from my experience (just after the third £12 monthly payment was taken, they posted, separately to the 1,500 for that month but on the same day). My OH’s account is showing the same and I’m sure they’ll post in the month after the third £12 is taken.

    in reply to: The British Airways Prepaid Mastercard thread
    QFFlyer

    I agree with the above, especially given the £3 monthly fee after six months – it’s a terribly implemented product and should be abandoned. I’ll MS my £2,600 this month, my month six, then it’s gone.

    in reply to: The British Airways Prepaid Mastercard thread
    QFFlyer

    I got the 500 points yesterday for doing the survey.

    Thanks for the reminder, just checked my BAEC account and mine posted too, dated 14/12.

    in reply to: Hilton credit card delay in points posting
    QFFlyer

    Unless you’re earning 50k points every month I don’t see what the worry is, they always turn up eventually.

    I was until this last month, glad the issues started on a month I only earned 16!

    in reply to: Who has received the 100,000 Avios?
    QFFlyer

    No, but agree you should have received the email I’d have thought. This is what that email says:

    “With your Barclaycard Avios Plus credit card and Barclays Avios Rewards, you have everything you need to collect your 100,000 Avios bonus.
    To qualify for it, simply keep them open until at least 28 February 2023.
    We’ll then get in touch to let you know you’ve qualified for the Avios bonus and that it’s been paid into your British Airways Executive Club account”

    That was start of Nov, so 4 months basically, from opening to receipt, is when they’re saying I’ll trigger the eligibility criteria, and it’ll drop sometime after that.

    I’ve had the 25k from the credit card, that dropped as soon as I hit the £3k spend as you’d expect (well, it showed in the app, it credited to BAEC on the 2nd of the next month).

    in reply to: Hilton credit card delay in points posting
    QFFlyer

    Same issue, for the first time in all the years I’ve had it, I’ve not had my points post at all this month (November’s points) – usually 24th, moved to around 2nd of next month a few months back, we’re now on 13/12 and nothing.

    Luckily it’s only 16 points from last month, I’ve largely swapped to the US Amex Aspire card for Hilton, but have a bit of an attachment to this one and want to keep it, but if it’s going to be a hassle to receive points then I may as well finally bin it and restart the clock for the Avios card.

    in reply to: End of IHG Premium Credit Card Reward Night?
    QFFlyer

    Can never seem to find these really high value room redemptions for my voucher

    I used my last one at IC Hayman Island (Whitsundays, QLD Australia). The base rooms are an insane $1,000 or so per night. During COVID and being unable to lease Australia, it was the closest thing to overseas, I was very grateful (Norfolk Island too, but I digress, no IHG properties there!).

    The rest of the week I managed to get on points, was 70k per night at the time, but always seems to be 100k+ now.

    in reply to: Useless credit limit
    QFFlyer

    In our case, the self-employed Player 2 was given a £200 limit as well. She sent her tax returns. They said they cannot accept them (why?). She resent twice or thrice more, the same response. She gave up and received an email, they cancelled the card 🙂

    Apart from the obvious sexist bias, I was wondering if their model includes a “household credit limit”. My card has a healtyish limit.
    All these stories are about couples where the first applicant gets a good enough limit, whereas the Player 2 gets a low one.

    I don’t know obviously for sure, but doesn’t feel like it from our perspective – I was an existing Premier customer, but have a Hilton card with a £12k limit.

    My OH wasn’t a Barclays customer at all (although has had Barclaycards in the past) – £20k limit off the bat and approved for Premier instantly. So go figure, I have no idea what their criteria is, but we somehow met it, which is fine by us. Just a shame I can’t get the card, but (despite having the US Hilton Aspire Amex) I can’t bring myself to give up the Hilton Barclaycard, just in case!

    in reply to: Issue with current account switch in the app
    QFFlyer

    Yes, it’s temperamental as – I got it to work by selecting the name field first, then using the buttons on the on screen keyboard (iPhone) to go between fields and fill the rest in, and it worked. But I had the same issue as OP when trying to go straight to sort code, instant error from the app and couldn’t proceed.

    QFFlyer

    I had the same issue – wouldn’t send the verification code to SMS and support were useless. After 4/5 days, once the app based secure code thing started working, I could add it via the app and the codes started arriving to my phone when requested, so I think it just takes a few days to set itself up.

    in reply to: Best USD account, with Citi ditching the UK?
    QFFlyer

    Sorry for sounding silly but
    What are the fees for sending usd from USA to a UK usd account for wise or the others?
    Does having a usd account in the uk mean that I can avoid wise’s exchange rate?

    The fees vary by provider. You can’t avoid Wise’s exchange rate, because you need to get the money from (presumably) GBP to USD somehow, however their fees will likely be a lot lower than your mainstream bank’s fees.

    QFFlyer

    MS I agree is anti-social.

    How on earth is it antisocial? These sort of comments are just those from people who are bitter because they missed out on opportunities imo. I mean, feel free to have your own opinion, I just don’t agree that there’s anything wrong with MS – Creation for example could have very easily stamped out what was going on years ago, and it wasn’t just Curve that was facilitating their particular form of ridiculously easy gaming.

    in reply to: Best USD account, with Citi ditching the UK?
    QFFlyer

    The new CEO announced last year the plan to close all international retail banking, a loss making business, and they are now executing the plan in the UK, having just started consultations with UK staff.

    It’s happening here in Australia too, Citi sold their businesses to NAB as of 1/6, and are now Citibank in name only (although nothing’s changed for now, and NAB are licensed to use all Citi names/branding for the time being).

    in reply to: Best USD account, with Citi ditching the UK?
    QFFlyer

    Another vote for Transferwise here. I have Citi and HSBC USD accounts, but use Transferwise to pay my USD Amex cards via Direct Debit, easiest option by far and exchange rates beat the others.

    Revolut I guess would be a runner up, but I don’t know if you get actual US account details. The exchange rates are good, but I use it to pay into my Citi account (which charges no inbound fees from overseas accounts) and have never been able to pay Amex US$ ICC with it (never tried a native US Amex, but the ICC didn’t work for me, although others have been successful, I believe).

    in reply to: Curve – Do they ever reply to anybody?
    QFFlyer

    I wouldn’t contact them at all if they just left me alone, but they keep putting these stupid requests to me and “temporarily” blocking my account until it’s actioned. Idiots.

    I get they need to do KYC and other verification, but unless they’re going to deal with it very quickly, the block is unnecessary and stupid, they advertise their product as a substitute for carrying a million cards around, but if you rely on Curve you will eventually end up screwed or stuck somewhere with zero ability to pay for anything.

    The first time they did it, they did indeed reply within a few days, inconvenient but not the end of the world. Now it’s been weeks, and they ignore everything.

    in reply to: Curve – Do they ever reply to anybody?
    QFFlyer

    I’ll be the contrarian, and say that the 4 or 5 times I’ve contacted them, they came back within a few day tops.
    The problem with contacting them is that every time you do that, they look at your account and a few days later you receive one of those emails about “fair use”.

    I wouldn’t contact them at all if they just left me alone, but they keep putting these stupid requests to me and “temporarily” blocking my account until it’s actioned. Idiots.

    I get they need to do KYC and other verification, but unless they’re going to deal with it very quickly, the block is unnecessary and stupid, they advertise their product as a substitute for carrying a million cards around, but if you rely on Curve you will eventually end up screwed or stuck somewhere with zero ability to pay for anything.

    in reply to: Curve – Do they ever reply to anybody?
    QFFlyer

    Nope they’re useless, got blocked for verification twice last month, the first time they were responsive and it was dealt with in days, this second time has been radio silence for a fortnight. I’ve resorted to hassling them on social media.

    I wouldn’t care, but as a paying metal customer it takes the p1ss. They won’t even action a downgrade request, so I removed all my cards and left a prepaid card with no balance on it that they couldn’t charge, screw them.

    QFFlyer

    Another DP – my points had been posting as normal up until June (around 24th of the month, bar the multiples of 100k, which come at some point, when the one guy who deals with it gets around to it).

    July statement points posted on 2/8;
    August statement points posted on 2/9.

    So I had just assumed they’d made it a normal thing. As long as they keep coming, I’m happy.

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