We recently decided to have a company carry out some landscaping on our garden, we have the cash, however, we thought it would lift the burden by paying the fee on an interest-free credit card to be payed off over 24 months.
The work is now done and payment is due but we have just found out that the contractor wont accepts payment through a credit card.
How could I get around this? any creative ideas?.
One thought was to link the credit card to my Paypal and make the payment this way, can this be done? Is there a downside to doing this?
If not PayPal, what other options do we have other than paying the amount from our debit card?
I understand that any protection offered by using a credit card (Section 75 Consumer Credit Act) is void if you link it to PayPal and use PayPal to pay.
I’m not sure what happens if you use Curve.
You can use PayPal to send cash from a credit card. They have issue sending it to your own bank account, so send to someone you trust. Also you may find the withdrawal from PayPal may take up to three days for security allegedly.
I think your card issuer will handle it as a cash advance though.
Offer to cover the credit card fees would be my first option, because you’ll have section 75 protection then, which you won’t have with revolut or PayPal
You only need to pay a small amount of any bill on a credit card for the entire purchase to be covered my Section 75 (assuming the purchase otherwise qualifies).
However, if the issue is that the builder doesn’t accept credit cards and you want to take advantage of credit card offers, then I suspect you might be better off looking for a credit card that lets you do a money transfer… and then transferring that balance to an interest free card
Just wanted to make sure those who don’t know, understand this:
Also, if a contractor won’t or doesn’t wish to accept credit card payments, that is their choice, I’m not sure they have any obligation to accept credit card payments. One should always have the payment option discussion with a contractor prior to any work being carried out to save any inconvenience or potential embarrassment later.