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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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 Posted: Tue May 23, 2006 9:28 pm Post subject: GE 3% CASHBACK CARD !!! |
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An amazing 3% cashback card on groceries and fuel !!! - This cannot be beat !!!
Below is a summary of the fees and charges. The information contained in this table summarises the product features of the GE Money Credit Card .
APR 12.9% APR Typical
Other interest rates Introductory Rate Monthly Rate Simple Annual Rate
Purchases N/A 1.020% 12.239%
Cash Withdrawals N/A 1.737% 20.840%
Balance Transfers 5.9% p.a for life of transfer 0.480% 5.760%
Interest-free period Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash transactions. Interest free period on balance transfers only applies to the introductory period.
Interest charging information From Until
Purchases Transaction date Repaid in full*
Cash transactions Transaction date Repaid in full*
Balance transfers Date debited to your account Repaid in full*
*If the full balance outstanding on the statement is paid and credited to the Account by the date for payment shown on the statement no interest will
be charged.
Allocation of payments We will apply payments we receive to your account in the following order:
Insurance Premiums
Interest
Charges or fees
Balance Transfers and Promotional Transactions (those with the lower interest rates first)
Retail Purchases
Cash Transactions
See other financial information section of customer terms and conditions for full details.
Minimum repayments Greater of 3% of outstanding balance or £5
each month.
Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Amount of credit Minimum credit limit of £500, maximum credit limit subject to status.
Fees No annual fee
Charges Cash transactions - 2% with a minimum of £2.
Copies of statements - £3.
Overseas transactions - 2.75% (Including purchase of foreign currency and travellers´ cheques).
We will charge a 2.5% balance transfer fee(min £5, max £50).
Default charges Late payment fee - £15.
Over credit limit fee - £15.
Administration fee for returned cheques or direct debits - £15.
http://www.gemoney.co.uk/html/creditcard/everyday_summaryboxforcardsproductdetailpage.shtml |
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Dshepard
Beginning Saver
Joined: 28 Feb 2005
Posts: 29
Cash Points ££ 381.46
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| Posted: Tue May 23, 2006 11:22 pm Post subject: |
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WoW 3% !!!
I am applying for that straight away !! Too good to be true !!! |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Thu May 25, 2006 12:08 am Post subject: |
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I can't see how they can afford to give 3% cashback, since I doubt they make that much per transaction ??? This is very puzzling and does not sound right, something is wrong here.
At best I think this is a very temporary loss leader to get people to sign up and then shortly there after the 3% cashback will be cut to something like 0.5% |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Sat Jun 17, 2006 4:40 pm Post subject: |
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| Apparently they have a backlog of applications so if you do apply online it may be upto 2 weeks before you get an acknowledgement |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Mon Sep 11, 2006 1:25 pm Post subject: |
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| Because of the high reward they have a very strict screening policy, basically if your cards well managed (i.e. not profitable for the card comapnies) or if you lack a good credit history then your likely to be rejected. |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Sun Nov 26, 2006 6:27 am Post subject: |
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I got my statement yesterday, and a quick calc shows that its 3% on all transactions including over £5k  |
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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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| Posted: Mon Dec 04, 2006 4:04 am Post subject: |
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Hmmm
I have a GE card and it was refused the other day when I tried to order something online, and no I'm not over the limit 
Ive contacted GE but not had a response yet, though it did work okay in the supermarket
Anyone experiencing problems with their GE card ? |
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