Realistically, is it? I never use the card as a credit card unless circumstances are such that only a credit card will be accepted. I don't use a credit card to run up debt.bubbles1 wrote: ↑Tue Apr 24, 2018 9:53 pmGosh is that your only choice due to circumstances which are private because if not - I would seriously look to change. IMO you are being rippeed ofelsie wrote: ↑Tue Apr 24, 2018 8:19 pmI have a Cora Visa card which is a debit and a credit card. I get a choice at the card reader each time I use it of debit or credit.
For most purposes I use it as a debit card and the debt is cleared each month by a automatic direct debit.
Just about the only time I use it as a credit card is when hiring a car to pay the deposit (many car hire companies don't accept a debit card since there are no guarantees of funds backing it). The credit card charges are similar to a UK credit card + compulsory insurance but they will make a direct debit of part of the sum owing on the basis the total sum owed will be paid over 18 months. The only change to the sum paid which can be made online is to pay up to twice that monthly sum. To make any additional payment or to clear the total credit debt has to be done by a cheque.
The only problem I've found is although most car hire companies just block the deposit sum on the card and unblock it at the end of the hire occasionally they actually take the money from the account. And on occasions when they have taken the money the refund has gone to the debit card account (the card only has one number for both debit and credit card accounts), so I end up with a credit card debt and usually have to pay one month interest and insurance before the cheque goes through to pay it all off (but I do have a debit account credit to net off against the debit card use for the month!)
The monthly debit card debit is effectively just the same as when I had a BarclayCard as I always paid off what I owed every month. So, except in this one circumstance, I never pay interest charges or insurance.
It has happened once in seven years - and happened to be a UK hire. So I ended up paying about 12€. It was the only card they would accept - not even a Lloyds debit card. But it was a small extra cost in the overall transaction - would I have felt "rippeed of" if the car hire had been another £20 and the refund had been to the credit account? Car hire all over the Eurozone has not been a problem. However, that UK car hire company is one I will avoid in the future.