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Author Topic: What Credit Card?  (Read 1949 times)

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tunnie

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What Credit Card?
« on: 31 August 2009, 16:51:12 »

I need to keep better track of my finances with my new job, as i can claim for basically everything, lunch, dinner, fuel.... i want to be able to keep my business claims separate from my personal spending.

I only have 1 credit card at the moment, which is always, without fail, paid off in full every month. Its a Marriott Reward Card (backed by Halifax), and i like its scheme as its  £1 a point, and that translates to free nights at the hotel.

I'll continue to the Marriott card for all business expenses as that will be quite high each month, but i need a new separate card for my spending. So any of my own fuel, food, xbox games  ::) trips out and so on...

But what to get? I can't have another Marriott one as they said i am only allowed 1  :'(

My credit rating is excellent, in fact better than excellent (according to the Halifax Mortgage Advisor) Also i am not interested in any of this balance transfer stuff or interest free credit as everything is paid off at the end of the month, i need something which has a decent points / rewards scheme?
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jereboam

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Re: What Credit Card?
« Reply #1 on: 31 August 2009, 16:55:03 »

Quote
I need to keep better track of my finances with my new job, as i can claim for basically everything, lunch, dinner, fuel.... i want to be able to keep my business claims separate from my personal spending.


Doubt it... :(
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tunnie

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Re: What Credit Card?
« Reply #2 on: 31 August 2009, 16:56:30 »

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Quote
I need to keep better track of my finances with my new job, as i can claim for basically everything, lunch, dinner, fuel.... i want to be able to keep my business claims separate from my personal spending.


Doubt it... :(

I have the expenses documentation here, and yes i can  ;)

I am contracting for a temporary position.
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Pippin

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Re: What Credit Card?
« Reply #3 on: 31 August 2009, 17:00:51 »

Why not look at one of the supermarket ones that give you money off fuel if you use it there...
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nick v6

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Re: What Credit Card?
« Reply #4 on: 31 August 2009, 17:02:48 »

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Why not look at one of the supermarket ones that give you money off fuel if you use it there...

think tesco's is offering the best 1 at the mo :y
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tunnie

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Re: What Credit Card?
« Reply #5 on: 31 August 2009, 17:05:05 »

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Why not look at one of the supermarket ones that give you money off fuel if you use it there...

think tesco's is offering the best 1 at the mo :y

Not much point in that as i claim for fuel anyway, and i find Tesco fuel gives poor mpg compared to BP.
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Nickbat

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Re: What Credit Card?
« Reply #6 on: 31 August 2009, 17:07:08 »

Lloyds/Amex Duo Plus card gives you Air Miles. Surprising how soon you can pick up enough to get a flight.  :y

http://www.lloydstsb.com/credit_cards/airmiles_duo.asp
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STMO999

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Re: What Credit Card?
« Reply #7 on: 31 August 2009, 17:08:12 »

Are you going to put the card in your name or the name of a company?
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tunnie

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Re: What Credit Card?
« Reply #8 on: 31 August 2009, 17:08:59 »

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Are you going to put the card in your name or the name of a company?

Mine.... i am basically self employed but going through an umbrella
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tunnie

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Re: What Credit Card?
« Reply #9 on: 31 August 2009, 17:09:53 »

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Lloyds/Amex Duo Plus card gives you Air Miles. Surprising how soon you can pick up enough to get a flight.  :y

http://www.lloydstsb.com/credit_cards/airmiles_duo.asp

Yes did look at amex, father tunnie used to have one. Trouble is not a lot of places take it.

Mate has had problems with mastercard too, so has to be Visa  :(
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Pippin

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Re: What Credit Card?
« Reply #10 on: 31 August 2009, 17:10:31 »

Try looking at Moneysupermarket.com.... a good place to compare offers at the minute...
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STMO999

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Re: What Credit Card?
« Reply #11 on: 31 August 2009, 17:10:59 »

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Quote
Are you going to put the card in your name or the name of a company?

Mine.... i am basically self employed but going through an umbrella

I've got a feeling (not sure) that credit card companies treat cards used for business purposes differently than personal cards. Worth finding out I think.
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tunnie

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Re: What Credit Card?
« Reply #12 on: 31 August 2009, 17:13:25 »

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Quote
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Are you going to put the card in your name or the name of a company?

Mine.... i am basically self employed but going through an umbrella

I've got a feeling (not sure) that credit card companies treat cards used for business purposes differently than personal cards. Worth finding out I think.

Been using my current one as a mixture for the past 2 years, as i currently have to pay all my own. (train fare, fuel) so on, that plus any holiday trips or personal spending all goes on the same card.

when i rang up to ask for a second, Halifax said they don't care whats you use the card for, but credit checks are against you, not the business (which is fine by me) father tunnie uses his card for expenses only.

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Mr Skrunts

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Dishevelled Den

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Re: What Credit Card?
« Reply #14 on: 31 August 2009, 17:14:07 »

Quote
Quote
Lloyds/Amex Duo Plus card gives you Air Miles. Surprising how soon you can pick up enough to get a flight.  :y

http://www.lloydstsb.com/credit_cards/airmiles_duo.asp

Yes did look at amex, father tunnie used to have one. Trouble is not a lot of places take it.

Mate has had problems with mastercard too, so has to be Visa  :(


Had Amex and Diners for years - canned both as they were too expensive to run [smiley=thumbdown.gif]

Have a look here;

http://www.which.co.uk/reviews-ns/credit-cards/index.jsp
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