Manage your CC properly as a cashflow management tool and not as a source of borrowing per se (i.e. clear the balance before interest charges kick in) and any CC is largely* the same as another regardless of the interest rate charged.Hubby has just ordered one of these as BOI tooo expensive
The Tesco card charges interest on all purchases made from outside Tesco outlets from the day of purchase so you dont get any days credit to pay off your bill.
Tesco charges a cash advance fee even if the account is in credit. Maybe better off not to pre load credit for cash withdrawals as it will cost you extra money
Tesco Card 1.5% (Min €1.90)
Bank of Ireland Card 1.5% (Min €2.54)
I paid my June cc bill in early July, then I pre-loaded my BOI card. However, my pre-loaded cash went towards my June purchases and so I was charged €2.54 for each cash withdrawal.
Will know better next time.
Tesco charges a cash advance fee even if the account is in credit.
Information re charges above is from Itsyourmoney.ie, so they must have made an error on their site.I have one for specifically pre-loading when travelling - I've never been charged a cash advance fee
I paid my June cc bill in early July, then I pre-loaded my BOI card. However, my pre-loaded cash went towards my June purchases and so I was charged €2.54 for each cash withdrawal.
I don't think the account was in credit though, because the 'credited amount' was used to pay off the previous month's bill, so BOI were entitled to charge.With BOI's 'Clear' or '2in1' cards, there is not meant to be a cash advance fee if the a/c is in credit.
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