Lloyds Avios credit cards
#841
Join Date: Dec 2007
Programs: Just a lowly Blue ;(
Posts: 1,780
removed, blond moment worked out, remembered someone in the US didn't take AMEX!!!!
#843
Join Date: Dec 2007
Programs: Just a lowly Blue ;(
Posts: 1,780
Is it double in the US as that would explain the 500
#845
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
A question. If you refund a transaction on the Amex, is the money refunded available for spending on the Mastercard? ie are the accounts totally separate or not?
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
#847
Join Date: Dec 2010
Location: NJ, USA
Posts: 470
A question. If you refund a transaction on the Amex, is the money refunded available for spending on the Mastercard? ie are the accounts totally separate or not?
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
#848
Join Date: Jun 2003
Programs: BA, IHG, 5C
Posts: 4,413
A question. If you refund a transaction on the Amex, is the money refunded available for spending on the Mastercard? ie are the accounts totally separate or not?
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
Are you assuming that as long as you aren't triggering significant refunds back to your bank, they won't subject your account to special scrutiny and clawback your 9x bonus?
#849
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
As far as I can see the back-end of the system treats the Amex/MC transactions the same with no separation.
Are you assuming that as long as you aren't triggering significant refunds back to your bank, they won't subject your account to special scrutiny and clawback your 9x bonus?
Are you assuming that as long as you aren't triggering significant refunds back to your bank, they won't subject your account to special scrutiny and clawback your 9x bonus?
#850
Join Date: Jun 2005
Posts: 932
A question. If you refund a transaction on the Amex, is the money refunded available for spending on the Mastercard? ie are the accounts totally separate or not?
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
I was thinking about loading up on refundable Amex transactions, safe in the knowledge that I could trigger refunds when Mastercard-able tax payments come round later in the year.
To do a refund in a foreign currency would be tempting and the exposure to a shift in the fx rate possibly worth the risk HOWEVER, how would they process the refund?
Would it be debit $100 take a 3% slice, refund $100 take a 3% slice so you lose 6% on top of any fx movement.
Or debit $100 take a 3% slice, refund $100 and re-credit the 3% slice so only exposure is to fx movement
Last edited by COOLIO; Mar 8, 2012 at 5:57 am
#851
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
(Ignore!)
Last edited by Raffles; Mar 8, 2012 at 2:04 pm
#852
Join Date: Jun 2005
Posts: 932
Thanks. Best just stick to GBP stuff then.
For anyone with pets, you can always stock up on dog food etc at zooplus.com. It's the euro version of the .co.uk version. Some prices seem different so check whether it's worth it (some items I checked we're either the same or cheaper on the .com site). It also may not work with topcashback or their usual vouchers etc.
For anyone with pets, you can always stock up on dog food etc at zooplus.com. It's the euro version of the .co.uk version. Some prices seem different so check whether it's worth it (some items I checked we're either the same or cheaper on the .com site). It also may not work with topcashback or their usual vouchers etc.
Last edited by COOLIO; Mar 8, 2012 at 7:47 am
#853
Join Date: Jul 2010
Location: Tonbridge
Programs: BAEC Silver
Posts: 2,034
Thanks. Best just stick to GBP stuff then.
For anyone with pets, you can always stock up on dog food etc at zooplus.com. It's the euro version of the .co.uk version. Some prices seem different so check whether it's worth it (some items I checked we're either the same or cheaper on the .com site). It also may not work with topcashback or their usual vouchers etc.
For anyone with pets, you can always stock up on dog food etc at zooplus.com. It's the euro version of the .co.uk version. Some prices seem different so check whether it's worth it (some items I checked we're either the same or cheaper on the .com site). It also may not work with topcashback or their usual vouchers etc.
So in that case they added back the commission. I'm not sure if this was a one off mistake, an exception for reward bookings, or something else? However my one data points indicates it is not a problem.
However if you do get charged 6%, it means you are buying the additional 12.5 miles at around 0.5p per Avio. So arguably it is still a good deal.
#854
Join Date: Jun 2005
Posts: 932
Assuming they don't take back those bonus miles. Which is a big assumption.