Absolutely zero (due to Biden not giving huge tax breaks to the rich)
The general Amex BA card doesn’t. There are various upgrades available which do have fees but I also use the Amex BA card ( not abroad though as the commission you pay is too high) and pay it off each month to also get the BA miles and companion voucher.Do these cards have annual charges or commission?
The amex one does (think it’s £250 a year or something like that but very easily worth it for the Avios/companion voucher - it’s the ‘Premium Plus‘ card - the basic card is free but the bonuses are less), not the Hilton card thoughDo these cards have annual charges or commission?
This sums it up for me.
If you can't afford it, don't buy it.
Up to 8 years ago we had 2 wages coming in, after Mrs AR retired on health grounds, we went down to my wage and adapted to that.
Now with certain things going on, we may have no wages, only an insurance that kicks in after I've exhausted my sick allowance, which my employer took out for the workforce and pays out 60% of my wage.
I do understand the only spend what you have / no credit card way of thinking which I guess is fairly stress free
But also I think you can work smartly with a premium credit card such as an Amex, as well as access to cards that regularly offer 12+ month 0% interest free regularly.
I’ll quite happily take a large purchase, put it on my Amex, balance transfer to sit at 0% for 12 months, while the lump balance sits in a easy access savings account earning 4.75% APR
Not buying some funny old records from Harry are you?Good question. I have been ordering vinyl like a loony recently; I should check my bank balance.
Awesome newsAs an aside (apologies if it's been mentioned before) dies everybody know that at the Amex bars etc you get 10% discount if you pay with an Amex card. You have to ask for it but for some reason not widely publicised.
This.Credit cards are also good for Section 75 consumer protection. Even if you pay off the balance in good time.
Yes, only at 60I know you’re a spring chicken, but is a military pension on the horizon?