We’ve been very happy and satisfied Visa Gold credit card users for many years. This changed when our bank switched us from Visa to Mastercard in a way that wasn’t obvious to us, so when we noticed, it was too late. Now we’ve got a Mastercard, and we aren’t very happy with it and its seemingly random security system. Other small issues pile up, so I am increasingly unimpressed with the new plastic.
To cut a long story short, I am in the market for new plastic. The requirements are pretty simple:
It’s got to be a Visa card. It needs to support interest-free transactions (or very attractive rates) for 50+ days when paid in full at the due date. It needs reasonable overseas rates, it must support a joint account, and it must have no or very reasonable annual or monthly fees. Support for throw-away numbers (for use online) would be a premium. In other words, I want a decent method of conducting normal daily financial transactions in the 21st century.
You’d think this is easy, but it isn’t. The card companies aren’t interested in a customer like me, as they are not looking for someone who pays his bills. Cards compete with each other in terms of balance transfer cost and credit interest rates.
So far, I’ve got it down to one provider only. They meet some of the requirements, but far from all. I hate signing up to one offer just because of a lack of options though. Grrr.
Suggestions and recommendations are welcome.
- You: Visa, MasterCard to Pay Billions in Lawsuit (thedailybeast.com)
- China ‘biased’ on payment cards (bbc.co.uk)
- Credit card companies in £4bn settlement over fees (independent.co.uk)