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Old Jan 15, 2014, 9:20 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: Steve Oh
What we know so far, that we are happy to share, and won't get the hump when other people ask us or other people get the hump cos we know something they don't.

3V / Pay.com cards are no more

That is all.
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Old Apr 26, 2020, 5:08 am
  #2326  
 
Join Date: Dec 2013
Location: UK
Programs: BAEC
Posts: 655
Originally Posted by mhrb
They meant something more obvious. You posted on their community a couple of days ago.

With the wearable, do you know how refunds to funding source work at £1.50 a pop?
Not sure it can work. Presumably you need to refund to same source so there will be no net spend?
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Old Apr 26, 2020, 5:10 am
  #2327  
 
Join Date: Mar 2018
Posts: 142
Originally Posted by flieduk
Not sure it can work. Presumably you need to refund to same source so there will be no net spend?
There's always a way around that. Or it could just be used for cheap deferred spend.
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Old Apr 26, 2020, 7:11 am
  #2328  
 
Join Date: Jul 2014
Location: London, UK
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Originally Posted by mhrb
They meant something more obvious. You posted on their community a couple of days ago.

With the wearable, do you know how refunds to funding source work at £1.50 a pop?
Not sure - personally I stay well away from any route than involves refunds!
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Old Apr 27, 2020, 4:34 am
  #2329  
 
Join Date: May 2009
Location: UK
Posts: 3,951
Originally Posted by TheUrbanite
Not sure - personally I stay well away from any route than involves refunds!
....especially right now! Waiting 45+ days on various refunds that should normally take 2
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Old Apr 30, 2020, 1:53 pm
  #2330  
 
Join Date: Jun 2014
Location: London
Programs: Hilton Diamond, IHG Diamond, BA Gold
Posts: 167
Found a new way to generate cashback for paying off Lloyds Bank/MBNA (doesn't work at Amex unfortunately) - launched last week
Anyone got some MS ways for Creation or Barclaycard they can share via PM please?
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Old May 1, 2020, 11:44 am
  #2331  
 
Join Date: Jul 2014
Location: London, UK
Programs: Nandos Chillis
Posts: 196
Originally Posted by petter2
Found a new way to generate cashback for paying off Lloyds Bank/MBNA (doesn't work at Amex unfortunately) - launched last week
Anyone got some MS ways for Creation or Barclaycard they can share via PM please?
Quite a few clues there if discretion is your intention!

For inspiration (not a current opportunity) for the latter, Google Finangel. A very kind business.
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Last edited by TheUrbanite; May 1, 2020 at 12:20 pm
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Old May 2, 2020, 12:52 pm
  #2332  
 
Join Date: Jan 2016
Location: London
Programs: Hilton Diamond, NZ Gold, BA Gold
Posts: 134
Originally Posted by petter2
Found a new way to generate cashback for paying off Lloyds Bank/MBNA (doesn't work at Amex unfortunately) - launched last week
Anyone got some MS ways for Creation or Barclaycard they can share via PM please?
Oh little one! We shall wait for you to return when you get hit with massive cash advance fees at the end of the month. As they say - If you play with fire, expect to get burnt.
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Old May 3, 2020, 6:52 am
  #2333  
 
Join Date: Dec 2013
Location: UK
Programs: BAEC
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Originally Posted by noddie09
Oh little one! We shall wait for you to return when you get hit with massive cash advance fees at the end of the month. As they say - If you play with fire, expect to get burnt.

​​​​​​​Don't the cash advance fees usually get charged at the same time the transaction posts?

Appreciate it might be provider dependent but that has been my experience.
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Old May 3, 2020, 9:19 am
  #2334  
 
Join Date: Jan 2016
Location: London
Programs: Hilton Diamond, NZ Gold, BA Gold
Posts: 134
Originally Posted by flieduk
Don't the cash advance fees usually get charged at the same time the transaction posts?

Appreciate it might be provider dependent but that has been my experience.
Depends on the underlining card. Lloyds will hit you straight after the transaction while Creation will hit you at the end of the month.

It all become very costly very quickly. Don't forget the rules can change at any time without any notice as well. Many folks got stung with Revolut and ended up paying hundreds in fees when the rules changes without notice.
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Old May 3, 2020, 12:56 pm
  #2335  
 
Join Date: Dec 2013
Location: UK
Programs: BAEC
Posts: 655
Duplicate. See below

Last edited by flieduk; May 3, 2020 at 1:05 pm
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Old May 3, 2020, 12:57 pm
  #2336  
 
Join Date: Dec 2013
Location: UK
Programs: BAEC
Posts: 655
Originally Posted by noddie09
Depends on the underlining card. Lloyds will hit you straight after the transaction while Creation will hit you at the end of the month.

It all become very costly very quickly. Don't forget the rules can change at any time without any notice as well. Many folks got stung with Revolut and ended up paying hundreds in fees when the rules changes without notice.
I have been out of the game for a few years. Is Creation charging on Revolut top-ups now?

I knew they were charging interest, was not aware that Cash Advance fees were being charged though
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Old May 3, 2020, 1:05 pm
  #2337  
 
Join Date: Dec 2013
Location: UK
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Posts: 655
-duplicate. see above.
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Old May 4, 2020, 6:48 am
  #2338  
 
Join Date: Jan 2016
Location: London
Programs: Hilton Diamond, NZ Gold, BA Gold
Posts: 134
MCC codes being changed monthly at the moment! I gave up on it last year. It's easier to find a cheap ex-eu fare than MS points in the UK.
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Old May 4, 2020, 9:24 am
  #2339  
 
Join Date: Mar 2018
Posts: 142
Originally Posted by noddie09
MCC codes being changed monthly at the moment! I gave up on it last year. It's easier to find a cheap ex-eu fare than MS points in the UK.
lol. It's actually not that bad. Haven't got a decent ex-EU fuel dump for ages though.
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Old May 6, 2020, 7:58 am
  #2340  
 
Join Date: May 2009
Location: UK
Posts: 3,951
Have the Curve (1.5%) changes already been implemented? Was just about to settle Virgin (Money) with it, I suspect Amex has been ‘coded’ for this, however I know things with Virgin are always up and down.

^ re. Creation above, in my experience any cash advance interest has been immediate. I think Revolut is the only one to avoid there?
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