No credet card local sex
For instance, a balance of €5,000 with a minimum monthly repayment of €125 will take a staggering six years and one month to repay at an interest rate of 22pc, by no means the highest on the market.
It will cost you €9,125 in total repayments, and that's with no additional spending during that period!
If you’ve already made the payment, complain with the company directly first, as you’re entitled to a refund.
If you are over the age of 18 and have not yet applied for your first credit card, this is for you.
For example, Ulster Bank has one card at 22.7pc but with a limit of €1,500 credit and no minimum salary requirement; another is 19.2pc with a credit limit of €3,000 but there is a minimum salary qualification of €30,000 p.a.
AIB has no fewer than four types of credit card, with different options. With the roll out of the new Visa Debit system across Europe, it means that debit cards (old ATM/Laser cards) work exactly like credit cards, in all the places that take them worldwide, and online, and all using your own money rather than borrowing from the bank.
If you find out that a company is charging for card payments, it’s trading standards that will handle it.
Get in touch with them with full details to complain.
Do consider alternative providers from the main banks also.However, as of Saturday 13th January, this was made illegal.The revised Payment Services Directive (PSD2) was introduced throughout the EEA, with the aim of improving transparency and saving shoppers up to €550 million annually. The ban will apply to all card payments, even if you use Paypal or Apple/Android Pay.It will also apply to direct debits and bank transfers.
For example, some airlines previously charged a percentage (usually around 1% or 2%) on top of your payment if you use a credit card. If there is an extra charge unrelated to the payment method (such as a service charge or booking fee), retailers will still be able to add this on.
EU legislation to ban ‘rip-off’ card charges came into force at the weekend.