I'm hoping that there is someone out there who is bored/patient enough to answer what may seem rather ridiculous questions. I'm lucky enough to only pay my my one and only credit card (Visa) by direct debit so I have no desire or need to have another card. However, this seems like too good an offer to pass by. So:
* I pay £95 to get this Amex Gold Card. Yes? Am I then able to arrange to pay the monthly balance by direct debit, therefore avoiding any charges?
* What is Quidco? And how do I arrange the £65 "cashback"?
* If I stop using the card once I have the 20,000 miles, will I continue to get charged even if I don't use the card?
* How do I transfer the 20,000 miles from Amex to BA miles?
I know some (all?) of the above may seem obvious to many, but grateful if someone could humour me.
