credit card that will refund you .....
of bigolo71 Blu American Express
Diffusion Media
Excellent Customer Service Media
Security Benefits: No setup costs (or almost) is to refund the 1% of the costs
Disadvantages: None, too bad that 1% of reimbursement paid once a year by now
owner and user for about 2 months of the Barclaycard credit card, I could not resist the pull of advertising in the portal libero.it saw a promotion for the subscription of this credit card .... the Blue American Express.
The promotion is valid for subscriptions to 21/10/2007 **, is essentially the annual fee for free (normally 30 euros) and refunds (annual) of 1% of expenditure incurred with this credit card. Now I m
calendar the whole process that I run to get the card (if eventually get).
Wednesday 17/10/2007 - "In the issue's fate?" By accessing the portal
Libero.it I see the blue banner of the promotion with American Express decided to click on it.
In the second screen, I get the publicity 'in full .......
I click on the link to download and print the application form to seek get in the paper.
Fill out the form with my personal details, those of an identity document ', the working status and income, and finally those of my bank which will be supported on the RID for the payment.
I put a lot of attention to the part where he points to the mode 'of reimbursement by selecting "on balance" but for those who want to you can' decide to repay the amounts due to "a percentage of the monthly balance" or "fixed monthly sum" in this case the card is used in mode 'revolving interest and are applied soooooo high ...... TAN 21.99% APR and up to 5000 euro credit line.
Finally I try to read the contract terms, which happen to really like Barclaycard have written small .... almost illegible.
Thursday 18/10/2007 at 22.00 "FAX"
After making a photocopy of identity '(the same one I reported on the application form) will send (or rather I try to send ) all (+ copy document request) to the fax number indicated on the form.
After a dozen failed attempts and / or interrupted, since the time I decide to try again to send the next day. Wanting
(or not being able to run a fax) the application can 'also be sent by mail to the address mentioned in the application form itself.
Friday '19/10/2007 06:50 hours "FAX 2"
try again to send the fax with the request of the credit card .... and this time 'was successfully sent .... now expect future developments.
Monday '29/10/2007 11.10 am "First Contact"
I receive a phone call that tells me that the practice and' was included in the fax, but you can not read the details of the identity document '. I give voice to the missing data and I am told that in about ten days I received a reply on the outcome of the request. Monday
'05/11/2007 at 19:00 "A letter ..."
Coming home in the mailbox I find a letter from American Express ...:" hereby gives notice to acknowledge receipt of your request ....... inform you, however, that according to our systems that you have recently asked the same type of paper. For this reason we have currently suspended and filed its second request: "I think
:
They refer to the recent release of another credit card (Barclaycard) of the same type of this and so for the moment they do not release me.
... stay a little 'bitter abandoned the idea of \u200b\u200bowning the Blue American Express
Tuesday 20/11/2007 at 19.00 "A yellow pad ...."
Returning home at night in the letterbox I find the fateful yellow card of the Italian post office, which warned that have not found anyone at home, and there 'a letter to be removed ...... boooh who will' never, perhaps a fine, perhaps a package that aspect a few months ..... Thursday
'22/11/2007 at 19.30 "incredulous"
In the afternoon I sent a registered letter at the post office to pick up .... A plain envelope with something solid enough inside .... certainly the parcel was waiting for a few months .... I open it and find myself in wonder of wonders:
A letter of introduction / welcome American Express credit card with the attached application and a guide to benefits and services American Express Blue.
As well explained in the letter is not 'left to make a phone call to the telephone number provided, where an automatic answering service, with the insertion of the card number and password (to use for subsequent calls to customer service) shall seek the paper.
Also in the welcome letter 'reported the granted credit, essentially the maximum amount of the loan.
The next step 'was to register on the website of American Express online services .... simple, fast and easy, just enter virtually a password and user Id number of credit card and the game is' done.
*** *** ONLINE SERVICES
must say that the online service and 'advanced enough ...
As you enter you immediately see the card account with possibility 'to see bank statements and details of various payments.
while the bottom are the options for account management.
Spulaciando between the various management options contocarta, I went to activate "EstrattOnline", issue monthly statement in electronic form (download it in pdf format from PC after receiving notification by email), not to receive the paper ... operation should also avoid paying qell'euro (1) per month for management. (I will be 'more' precise when 'I receive' the first statement), which should ultimately be the only cost of paper handling.
Another very useful and I proceeded to take immediate action are the "service alert". In practice the user of his choice can 'be notified via SMS or email on three conditions of his paper
1 - Update on balance: You receive an SMS or email on the available balance on the weekly paper with possibility 'to set the day of the week in which the message is sent
2 - You are close to reaching the exposure of the Charter: We will send an SMS or email when there are € xxx (value set by the user) to the achievement of the granted credit
3 - Payment due: It is always advised via SMS or email when it expires on the bill. CONCLUSIONS
*** *** (with some comparisons with the other Barclaycard credit cards in my possession without consulting contracts entered into by me and using online services)
PRO
1 - Issue paper fast, in my case a month and a few days .... with Barclaycard took me a month and 3 weeks.
2 - Website and online services with good opportunity for consultation, editing data, activation of various alert and receiving computer statements ..... Barclaycard for online services are pretty much limited to consulting fees and statements made are not valid 'legal and do not replace the printed one sent monthly.
3 - Issue and annual cost free paper .... Barclaycard as
4 - Fido given very high (in my case € 5000.00 to perform virtually any cost ... I Barclay with an exposure of € 750.00 (a little 'tight I would say ...)
5 - Possibility 'of clearance of bills
v 1 - Fees on fuel supplies of Euro 0.77 to supply ..... Barclaycard does not charge any commission on supplies
2 - Stamp duty of € 1.81 per account statements for an amount exceeding € 77.47 + a (1) € a management statement (if you choose EstrattOnline eliminated .... . Barclaycard € 1.50 applies for sending the account statement if more than 77.47 without tax stamp
3 - I noticed that in small shops is not 'always accepted, for large stores there' Nesson problem.
As with many other services in the market today have to use credit cards wisely (to avoid being left with unwanted fees) is an example: With Blu
do if two American Express full of fuel per month from € 50.00 at the end of each pay € 101.54 (50 +0.77 +0.77 +50) and earning € 1.02 (1% refund on fees) so in total spend € 100.52 .... I spent € 100.00 with Barclaycard.
So, in conclusion, I would recommend to all a good card for everyday purchases (not including refueling).
PS: A little consideration, having a card and then using, say that every month I spend € 1.81 (stamp duty statements for more than € 77.47), considering to have the EstrattOnline and therefore not have € 1 management of the account statement because the credit card is really no cost should I spend at least € 181.00 per month with the card to retrieve those € 1.81 (1%) cost of stamp duty ...... then those who earn more spend more .... But the problem now is to have to spend.
**: In these days (end of November 2007) goes to the television advertising 'of American Express where the ADI for the promotion of 1% refund on expenditure ...
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