Credit card charges by merchants

[Pattaya57]

21 minutes ago, georgegeorgia said:

Oh you don't use Sydney water ?

I forgot your from a Regional area unlike us City dwellers 

Please stop making stuff up. This is from Sydney Council (note the gov.au web address) and it says exactly what I said (and you said was rubbish).

 

 

As said to the OP already, this credit charge surcharge is common all over the World, not just Pattaya

Edited 19 hours ago by Pattaya57

[georgegeorgia]

Thanks pattaya57 afantastic information 

I'm on the other side of the harbour bridge than North Sydney but nevertheless 

You Sir are a scholar , thankyou for your service to the community 

[Jumbo1968]

On 11/2/2024 at 5:42 PM, NowNow said:

 

Whose fault is that? 😊 Get a proper card and throw that one away if it's no good. Reduced exchange rate seems unlikely. It's usually the Visa/Mastercard rate( often within 0.5% of the mid market rate).

It's somewhat surprising that after years of advice about these thing from the days of ThaiVisa, that there are still people that don't seem to understand how these things work.

Try getting a new bank account in the U.K. and a CC card when you don’t have an income, I am aged 73 years old and on the State Pension, I recently applied for an increase £3000 on my CC, limit, it was declined, they wouldn’t tell me why.

[Jumbo1968]

On 11/2/2024 at 5:42 PM, NowNow said:

 

Whose fault is that? 😊 Get a proper card and throw that one away if it's no good. Reduced exchange rate seems unlikely. It's usually the Visa/Mastercard rate( often within 0.5% of the mid market rate).

It's somewhat surprising that after years of advice about these thing from the days of ThaiVisa, that there are still people that don't seem to understand how these things work.

Try getting a new bank account in the U.K. and a CC card when you don’t have an income, I am aged 73 years old and on the State Pension, I recently applied for an increase £3000 on my CC, limit, it was declined, they wouldn’t tell me why even although I had been with them for over 25 years and never run debts up.

[Jumbo1968]

On 11/2/2024 at 5:42 PM, NowNow said:

 

Whose fault is that? 😊 Get a proper card and throw that one away if it's no good. Reduced exchange rate seems unlikely. It's usually the Visa/Mastercard rate( often within 0.5% of the mid market rate).

It's somewhat surprising that after years of advice about these thing from the days of ThaiVisa, that there are still people that don't seem to understand how these things work.

Try getting a new bank account in the U.K. and a CC card when you don’t have an income, I am aged 73 years old and on the State Pension, I recently applied for an increase £3000 on my CC, limit, it was declined, they wouldn’t tell me why even although I had been with them for over 25 years and never run debts up.

[Jumbo1968]

On 11/2/2024 at 5:42 PM, NowNow said:

 

Whose fault is that? 😊 Get a proper card and throw that one away if it's no good. Reduced exchange rate seems unlikely. It's usually the Visa/Mastercard rate( often within 0.5% of the mid market rate).

It's somewhat surprising that after years of advice about these thing from the days of ThaiVisa, that there are still people that don't seem to understand how these things work.

Can you suggest a U.K. Bank where a 72 year old on State Pension can open a bank account and receive a Credit Card ? 

[NowNow]

1 hour ago, Jumbo1968 said:

Can you suggest a U.K. Bank where a 72 year old on State Pension can open a bank account and receive a Credit Card ? 

 

Those are two different things. Bank account and Credit Card. You can have one without the other. Do you still have a U.K. address?

[georgegeorgia]

3 hours ago, Jumbo1968 said:

Try getting a new bank account in the U.K. and a CC card when you don’t have an income, I am aged 73 years old and on the State Pension, I recently applied for an increase £3000 on my CC, limit, it was declined, they wouldn’t tell me why even although I had been with them for over 25 years and never run debts up.

😳you don't have an income that's why 

Hard to take a pensioner to court 

Edited 9 hours ago by georgegeorgia

[Briggsy]

@Jumbo1968 You are approaching this from the wrong angle.

 

Being rejected for a credit card or an increase in the limit of an existing card is not a personal slight. It does not mean you are being penalised or insulted. There is no need to "get the hump".

 

It is simply a commercial decision based on risk and return.

 

As a pensioner with no income other than a state pension, you do not fit the mould of a profitable customer. The issuing bank declines to give you a credit card or limit increase as you are not likely to be profitable and could well be loss-making.

 

It is the bank's decision. Access to credit is not a right or a meritocracy. They don't want your custom.