AMEX BA card [UK], can it be used as debit card?
May 20, 2019, 4:07 pm
#1
Original Poster
Join Date: Oct 2017
Posts: 6
AMEX BA card [UK], can it be used as debit card?
hello,
I was about to apply for the american express/British Airways, when I see in the terms and condition : TOTAL AMOUNT PAYABLE £1,335.46 .. it's not clear, but do I have to pay £1,335.46 to apply?
- second question... I intend to use the card as a debit, meaning, I want to recharge with my own money and use it with my own money, I do not intend to use it on credit, hence I don't want to take advantage of the 22.9% APR, is it possible? can I use the card as a debit card? it's a bit unclear on the application...
many thanks!
I was about to apply for the american express/British Airways, when I see in the terms and condition : TOTAL AMOUNT PAYABLE £1,335.46 .. it's not clear, but do I have to pay £1,335.46 to apply?
- second question... I intend to use the card as a debit, meaning, I want to recharge with my own money and use it with my own money, I do not intend to use it on credit, hence I don't want to take advantage of the 22.9% APR, is it possible? can I use the card as a debit card? it's a bit unclear on the application...
many thanks!
May 20, 2019, 4:34 pm
#2
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
hello,
I was about to apply for the american express/British Airways, when I see in the terms and condition : TOTAL AMOUNT PAYABLE £1,335.46 .. it's not clear, but do I have to pay £1,335.46 to apply?
- second question... I intend to use the card as a debit, meaning, I want to recharge with my own money and use it with my own money, I do not intend to use it on credit, hence I don't want to take advantage of the 22.9% APR, is it possible? can I use the card as a debit card? it's a bit unclear on the application...
many thanks!
I was about to apply for the american express/British Airways, when I see in the terms and condition : TOTAL AMOUNT PAYABLE £1,335.46 .. it's not clear, but do I have to pay £1,335.46 to apply?
- second question... I intend to use the card as a debit, meaning, I want to recharge with my own money and use it with my own money, I do not intend to use it on credit, hence I don't want to take advantage of the 22.9% APR, is it possible? can I use the card as a debit card? it's a bit unclear on the application...
many thanks!
It is a credit card and not a debit card. As long as you pay your balance in full by the due date you will not pay any interest. You cannot link it to your bank account have each transaction deduct from your bank balance, nor can you “load” money on it like a prepaid card. I suppose you could overpay and have an negative balance, but I would highly recommend against that.
May 20, 2019, 4:38 pm
#3
Join Date: Dec 2018
Programs: *A G, HHonors Gold, Marriot Gold, Skywards Silver
Posts: 23
Hi,
If you are talking about the British Airways American Express® Credit Card, then on the terms and conditions, the amount payable you are referring to is a comparison of the interest rate, and what you would have to pay if:
The annual fee for the card (what you have to pay when the first statement comes in) is of 0£. If you wish to use it as a 'debit card', and hence pay no interest, you need to pay off the full amount spent on the card, every month, on time. Otherwise, you will start incurring interest at 22.9% APR.
Hope it helps.
By the way, here is the summary box for that card, which sums up the fees etc https://icm.aexp-static.com/Internet...SummaryBox.pdf
If you are talking about the British Airways American Express® Credit Card, then on the terms and conditions, the amount payable you are referring to is a comparison of the interest rate, and what you would have to pay if:
• you make one purchase of £1,200 at the start of the agreement;
if a cardmembership fee applies, we charge it on the date your account is opened and, for monthly fees, on the same date each month;
• there’s no change in the interest rate and no other fees or charges apply; and
• you repay any annual cardmembership fee on the day we charge it to the account and everything else in 12 equal monthly payments
if a cardmembership fee applies, we charge it on the date your account is opened and, for monthly fees, on the same date each month;
• there’s no change in the interest rate and no other fees or charges apply; and
• you repay any annual cardmembership fee on the day we charge it to the account and everything else in 12 equal monthly payments
Hope it helps.
By the way, here is the summary box for that card, which sums up the fees etc https://icm.aexp-static.com/Internet...SummaryBox.pdf
May 20, 2019, 4:40 pm
#4
Join Date: Dec 2018
Programs: *A G, HHonors Gold, Marriot Gold, Skywards Silver
Posts: 23
You shouldn’t have to pay anything to apply. Might be clearer if you posted a screenshot.
It is a credit card and not a debit card. As long as you pay your balance in full by the due date you will not pay any interest. You cannot link it to your bank account have each transaction deduct from your bank balance, nor can you “load” money on it like a prepaid card. I suppose you could overpay and have an negative balance, but I would highly recommend against that.
If you pay more than you owe us under this agreement, we'll return the amount you've overpaid.
May 22, 2019, 9:47 am
#5
Original Poster
Join Date: Oct 2017
Posts: 6
You shouldn’t have to pay anything to apply. Might be clearer if you posted a screenshot.
It is a credit card and not a debit card. As long as you pay your balance in full by the due date you will not pay any interest. You cannot link it to your bank account have each transaction deduct from your bank balance, nor can you “load” money on it like a prepaid card. I suppose you could overpay and have an negative balance, but I would highly recommend against that.
The confusing part, what is that total amount payable of £1,335.46 ? why is it so precise?
What is this " you make one purchase of £1,200 at the start of the agreement " referring to? What is that 22.9% APR and 22.9% APR refers to?
Do I understand correct that if I pay my balance on time, each month, then there are no other fees?
If I can't link it to my bank account, how do I load it? How do I make the payments?
May 22, 2019, 9:53 am
#6
Join Date: Jun 2009
Location: London, United Kingdom
Programs: British Airways Gold
Posts: 2,636
The total amount payable if referring to an illustrative £1,200 purchase paid off over a certain period of time, including the interest you pay
APR is the annualised interest rate on outstanding balances
If you pay off you balance each month then you do not pay interest. You can set up a direct debt, or make a payment to your credit card account from your bank account using internet banking
You should read up on how credit cards work before starting to use it
APR is the annualised interest rate on outstanding balances
If you pay off you balance each month then you do not pay interest. You can set up a direct debt, or make a payment to your credit card account from your bank account using internet banking
You should read up on how credit cards work before starting to use it
May 22, 2019, 10:12 am
#7
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
This is an example to allow you to compare this card to others. The example is required by regulation, you will find the same GBP 1200 example used in ads for all UK-issued cards from all issuers. Are you a UK resident?
May 22, 2019, 11:50 am
#9
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
American Express issues two BA credit cards in the UK.
This card is free. There is no annual fee in any year:
https://www.americanexpress.com/uk/c...rwaysAmexCC-fc
The Premium card is not free. The annual fee is GBP195 each year:
https://www.americanexpress.com/uk/c...sPremiumPlusCC
This card is free. There is no annual fee in any year:
https://www.americanexpress.com/uk/c...rwaysAmexCC-fc
The Premium card is not free. The annual fee is GBP195 each year:
https://www.americanexpress.com/uk/c...sPremiumPlusCC
May 22, 2019, 12:14 pm
#10
FlyerTalk Evangelist
Join Date: Aug 2007
Location: UK
Posts: 10,709
Have you got a credit history in the UK?