Which credit card company do you use?

I just use a Halifax one. The same one I’ve had for about twenty years. I just use it for fuel and more expensive purchases,for the added protection. I don’t use it as a credit card, I pay off all credit usally the day of purchace, I’m not a fan of credit. To the point of a phobia.

I Originally got to boost my credit rating, and it’s now making a petrol card. (even though I drove diesels for 15 years I still haven’t broke calling it petrol).

I probably should get some sort of cash back one, but usally I only spend about 140 a month on fuel. Maybe 210 on a busy month. About £70 a tank atm. ?

I just use a Halifax one. The same one I’ve had for about twenty years. I just use it for fuel and more expensive purchases,for the added protection. I don’t use it as a credit card, I pay off all credit usally the day of purchace, I’m not a fan of credit. To the point of a phobia.

I Originally got to boost my credit rating, and it’s now making a petrol card. (even though I drove diesels for 15 years I still haven’t broke calling it petrol).

I probably should get some sort of cash back one, but usally I only spend about 140 a month on fuel. Maybe 210 on a busy month. About £70 a tank atm. ?

It’s good to see the PO taking passwords more seriously. My Halifax one is about 15 (mixed up as you outline). I use last pass to manage my passwords. All my serious accounts use LP to generate passwords.

Though if you don’t want to use last pass, writing it down is a good second best. It won’t do no harm, and a random PW written down doesn’t mean anything to anybody except you.

If you want to copy and past it often, and don’t want the PW on your PC in plain sight, thaigjif you kit had it in an onsure document, it would be safe too, you could encrpyt a doc with it in. Thou at that point you may as well you tje likes of last pass etc… They are free after all for basic entry. I pay the £12 a year to LP even though I don’t really use the advanced stuff. It’s more a kick back, to keep them going.

tadka wrote:

Richard wrote:

To be fair, (I hate being fair) they do say 8 ~ 20 characters. Some people have pet phrases that they use to generate a password and make it easier to remember the code, it could be a poem, a bit of a nursery rhyme, or something more personal- ‘I hate Mondays/shopping/putrid_transport’! etc with letters plucked from the words, e.g I2_aohu!. Some people go extreme, hence the maximum length rule. Most sites do require special characters, a number or two and usually a capital letter. There is a lot of personalisation possible. Many sites appear to have the same or very similar rules engines grafted into their offering. I changed my router password and now it thinks the original one they applied is crap being too short, too easy, etc. in which cases why did they choose it in the first place?

This is the second time this year they are forcing me to change my password. I wouldn’t mind so much if I could just leave it as it is, eventually I would remember. But I just can’t keep up anymore.

You may have a cause for concern, unless everyone is getting the same request. It could be that your account has been the subject of detected attacks. Perhaps you have used this card with one of the companies known to have been lax with customer info.  (lots of them, so I will not attempt to list)

I use platinum (?) Barclaycard as they bought out Egg (remember them)? The windows and android apps are very good and provide an overview of spending and a free Experian credit score. I used to have a First Direct gold card too but after redundancy I rationalised everything down and moved my current and business accounts to Santander for the benefits of the 1-2-3 account.

Santanders banking apps are excellent so I would think any credit card ones would be too.

I think Richards last paragraph can sum all companies up. (touch wood) I’ve never had a big issue in probably 10 years of TT usage, but I don’t know another person that shares my same view. But given a couple of said people live very close to me, on the same stretch of copper, I think given they struggle with tech it’s them and not TT…

Nut on the whole, you’ll see a split with most people regarding all business. I like the amazon haters, who hate Amazon with out using it because, they killed the higjstreet, pay no taxes.. ..

The reason the killed the high street (which they never) is because they are great at what they do. If they was garbage, your (incert shop) would still be open. And I can’t blame any outfit for maximising the tax laws. Blame the MPs that could close them rather quickly.but don’t cos they either use the same loop holes, or know peopel that do.

Anyhow, I can’t remeber what I was talking about. Lol

I tend to look at everything much as being a tool for something. Blacklion has given a few good examples of where something is a useful tool for things he wants or finds useful. I tried to remember when I first got a credit card but it was a long time back, probably in the 1970s and in short order I had Access, Diners and Amex. Too many outlets would take one or the other so you needed several different ones and cash or travellers cheques as well to avoid sticky situations. I cannot remember when Barclaycard was added but probably in the 1980s with the M&S being a conversion of their old loyalty or some such card. Though a few cards have gone, I still like the spread risk of multiple options. I’m not knocking those other aspects useful to others, everyone has their own needs profile and choice is valuable.

High streets did not die, their traders murdered them or committed suicide by being crap, often arrogant crap, while on line traders were getting very good and Amazon pretty much bested them all with huge choice, next day service and all the trimmings. The high street became where old stock laid down a died while arrogant fools moaned about their lack of customers and nobody wanting their ‘next month service’. High parking charges did not help.

For too many people high streets are next to useless as they cannot get to them when because they are are working, hence on line agents allow pickup points to receive their orders – the village shops have all signed up to one or other such service. Price is useful, but it is not my main driver, utility and function are far more important. Without the likes of mail order and Amazon my world would just be a lot smaller.

For me it is a question of where I started and trust. I do use eBay, though only for small purchases and yes it has been OK. I do not find the style of EBay any easier, it does feel a bit like a market trader’s hall, not bad but a notch down. I have put through perhaps 100 times (probably more it could be 1000 times) as much business through Amazon as through Ebay but that was not a forced choice just the way it fell for me. I do like the word choice, the high street offers me the choice of going without and all the pain of the car parking and getting there.  The last time I went to Halfords for an urgent purchase, the road to get there was blocked, not their fault but a pain, the staff did not have a clue and I ended up coming home and ordering what I needed for next day delivery, that was where Amazon scored every time.

Overseas purchases are no longer a great interest for me – though they are of vital importance to some, choice rules once more. I doubt I shall travel much in the future though my wife has fond wishes for events after her big set of operations in a month’s time. Anything is likely to cost more for insurance than for the trip and agreeing on where and what to do might be another question, we have never really been beach people since a long time back. That was before skin cancer and well before the latest round of big ‘C’ issues.

If I say the issues are ‘each to their own’, it is not a put down, it is a rejoicing that we, unlike in some locations have choices we can make and should do so wisely and while acting in our own interests.

I have just had a few glasses of wine tonight, the first for well over 5 months while chemo worked its taxing way through my wife’s life, every glass tasted better than the one before. Tomorrow might be a slight issue, but this morning was a hellish issue to get both of us started, now it is time to call it a night, choose wisely but remember no choice is likely to be final and flexibility within limits, is still an option.

@tadka customer service and sub 24h delivery.

Now if I want cheap electronics or cheap tat I wouldnt use Amazon if not in a rish, I did use eBay, but now for my cheap non rush tat I’ll use wish. I don’t have noting against eBay, but wish and alibaba is cheaper, and amazon faster.

I rather like alibaba express offers a good a decent delivery time. And the items it sells is endless. Wish is…. Well wish, you’ll get it, eventually… But for their prices you don’t mind. I find I quite like wish, as they take that long to arrive, and because it wasn’t a must have item, I’ve usally forgot I’ve ordered it by the time it arrives.

I usally treat it like a Xmas pressie, I’ll give t a feel, look to see if the customs tag gives it away, then open. 9/10 times I’m happily surprised at what’s in the brown bag. The other 1/10 is me not remembering or knowing why I bought said item.

Steve, your comments about Alibaba express were interesting. These days I tend not to have much call for ‘non urgent tat’ as you eloquently put the feeling. With a quarter of a century of such items squirrelled away, ‘because it should be useful one day’ I am under pressure to remove, not gain ‘stuff’.

Question, why is something that was cleared out yesterday always vital today, yet once more useless tomorrow?

Still perhaps I should make another effort to thin things out and accept that the five old computers along with various bits are unlikely ever to get rebuilt into something more suited to the modern age.