FLYING can be expensive - but collecting Airmiles can make taking a trip that bit more bearable money-wise.Airmiles, which is now known as Avios, can be a great tool for those looking to save on flights as they spend - here's the lowdown.Airline miles, also known as frequent flyer miles, travel points or Airmiles, are part of a loyalty program offered by certain airlines and credit card companies.Those signed up to the schemes usually accumulate a set amount of miles based on how far they fly or how much they spend on their credit card.The miles accumulated via this flying or spending can then be used as payment towards future tickets.Air miles credit cards are good for those who:Spend a lotAre a regular travellerAre flexible (availability of flights is more restricted when redeeming miles)If you fit the bill, then there are a few tricks you can employ to help rack up those miles.A few simple tricks can help you get the most out of your Airmiles scheme:Make your Airmiles card the one … [Read more...] about How do Airmiles work? From Virgin to BA to Avios here are the best Airmiles credit cards, tips and loyalty schemes
Reward travel credit cards
WOULD you credit it? Our borrowing has risen to such record levels that charities are warning that we are risking a serious debt problem.Credit taken out in the year to July grew by almost ten per cent, new figures from the Bank of England revealed this week.The average household owes £7,413 in unsecured debt and one in three people reports feeling plagued by money worries daily.There has even been an eight per cent annual rise in calls to the National Debtline, run by financial help charity the Money Advice Trust.Joanna Elson OBE, chief executive of the Money Advice Trust, said: “Outstanding balances are now over the £201billion mark.“Most people may well be able to cope with these extra commitments for now.However, the higher a household’s debt climbs, the greater the risk of falling into financial difficulty if circumstances change.“In these uncertain economic times, households should exercise caution before taking on additional borrowing and … [Read more...] about Start repaying your loans with advice from the National Debtline — plus, get a free fiver from our rewards club
IN a blow to Santander 123 credit card customers, there will now be a cap on the amount of cashback card-holders can earn.From February 1, customers will be able to earn a maximum of just £9 a month in cashback.It comes a year after the bank hiked the 123 card fees, from £2 a month to £3.The cashback changes were announced in November, but come into play next Wednesday.The card will still offer 1 per cent cashback on supermarkets, 2 per cent cashback on department store spending, and 3 per cent cashback on travel - but the maximum that can be earned in cashback will be £3 per category, or £9 across all three categories, each month.Previously the credit card had no cap on the amount of cashback which could be earned on spending in supermarkets or department stores.Now the cashback will only be available on supermarket and department store spending of up to £300 and £150 respectively per month.Three per cent cashback will still be … [Read more...] about Santander cuts cashback on popular 123 credit card – so where can you now find the best cashback deals?
SANTANDER customers were dealt a blow this week when the bank slashed the amount of cashback that can be earned from its popular 123 credit card.A cap introduced on Wednesday means the most you will be able to earn in any one month is £9.It is a huge hit to cardholders like Laura Rettie who will be around £100 a year worse off, as she tells Sun Money, below.Previously, you would get one per cent back from any spend at supermarkets and two per cent on department store purchases, without any limit.You would also get three per cent cashback on travel buys up to £300 a month.It meant big spenders could claw back unlimited amounts of money every month.But now the amount you can spend to earn cashback will be limited to £300 a month at supermarkets, £150 at department stores and £100 a month on travel.This means that customers will only be able to earn a maximum of £3 for each type of spend, amounting to just £9 a month.And as the card has a £3 … [Read more...] about As Santander 123 Credit card holders are hit by bank capping cashback we reveal best alternatives for your wallet
A FED up commuter who successfully claimed back thousands from his credit card provider after months of disrupted service by Southern Rail is encouraging other passengers to fight back against poor service.The commuter, known only as "Sean", made a claim under Section 75 of the Consumer Credit Act, stating that Southern's dismal performance in recent months meant he was entitled to a 50 per cent refund on his ticket.He contacted his credit card company, American Express, last August once his ticket had expired claiming that the rail operator had failed to deliver the service it had promised.The payout could trigger a flood of similar claims from commuters who have paid for tickets with a credit card.Under Section 75 of the act, the credit card provider is equally liable with the firm that offers the goods or services if things go wrong.The news was posted on the Association of British Commuters (ABC) website, a campaign group with a mission to pursue "justice, … [Read more...] about Southern Rail customer uses credit card clause to get £2,400 refund for delays – could you do it too?
SOMETIMES, it is better to travel than to arrive. Some people enjoy it so much they’ve even turned it into a hobby.For the likes of Ben Schlappig, or Alex Macheras, the goal is to bag as many free upgrades as possible while travelling the world – preferably in first class.They aren't so bothered if their love of luxury takes them on a 30-hour round the world odyssey when all they needed to do was get from London to Dublin; the idea is only to turn right after security and into the business lounge, and left onto the aircraft and into a flat-bed seat.Play your cards rightCredit cards offer reward schemes that can turn everyday expenditure into free holidays. Different cards use different hotel or airline partners and every pound you spend earns points for plane tickets, upgrades, a bed for the night or access to a fancy business class lounge. If you use a credit card to pay for EVERYTHING, it’s surprising how many points you can rack up. The pros punt up to 40 0r … [Read more...] about Use these tips and tricks to travel like a VIP – without the price tag
A BANKER at HBOS was treated to high-class hookers in a £245million loan scam, a court heard.Lynden Scourfield, 54, also got luxury holidays as kickbacks from tycoon David Mills.The pair were said to be a in a “corrupt relationship”.Mills, 59, was recommended to failing businesses by Scourfield as a rescue specialist, prosecutors told Southwark crown court.Mills’ advisory service charged huge fees to firms to try to save them.And Scourfield, whose job as boss of the bank’s Impaired Assets unit was to save failing businesses, kept making loans the firms could not pay off.Companies were run into the ground with Mills and pal Michael Bancroft, 73, taking them over, the trial heard. Prosecutor Brian O’Neill said: “Scourfield was the goose laying the golden eggs. David Mills just had to keep feeding him.”He told jurors HBOS lost around £245million on loans managed by Scourfield.And police found evidence of “huge rewards” … [Read more...] about Top HBOS boss was ‘given high-end escorts and luxury holidays’ as ‘huge reward’ for part in £245m loan scam
THEY are the downtrodden dogs no one seems to want – except big-hearted Brits.Melting at their sad eyes, captivated Brits rescue 7,000 mutts every year from all over the world after seeing their suffering on holiday or on social media sites.But being kind can come at a huge cost as vet bills rack up – and that’s if the pets make it back at all.Here, NIKKI WATKINS speaks to five readers who have rescued four-legged foreign friends and reveals what it has cost.Additional reporting: CLARE O’REILLY Spent £1,713 RETIRED Ginny, 61, forked out to bring harehound Juno back home with her to Warwick after spotting her while on holiday in Crete in 2012. Ginny says:“I was on a walk when I heard barking. I’ve always loved dogs so went to say hello. There were three neglected, distressed dogs tied up with chains on barren land in direct sunlight.“I got them some food and water and tried to find the owner, but no one knew who they belonged to.“A … [Read more...] about Meet five women who travelled abroad and spent thousands of pounds to bring stray dogs to Britain and away from harm
JANUARY is one of the busiest months for buying holidays as people attempt to beat the winter blues and families look to book ahead for the summer.And there’s good reason to book this month – with airlines including Monarch and British Airways offering discounts on flights throughout January.Industry insiders have also warned that the cost of travelling is about to rise, as a result of the drop in sterling following the Brexit vote, so holidaymakers should lock in cheap prices now.To help you get the most bang for your buck, we look at 10 ways to cut the cost of your holiday flights this year.Monarch, Norwegian and British Airways are just some of the airlines offering discounts on flights this month.Monarch has cut the price of more than 10,000 seats to short-haul destinations – including Venice, Lisbon and Rome – to just £29. The sale ends January 16.Jet2 is offering up to 20 per cent off travel until March 31, then 10 per cent off travel for … [Read more...] about 10 ways to book the cheapest flights, including booking on a Sunday and using supermarket loyalty cards
FOR many people the idea of a luxury world trip is a distant dream that is far too over budget to even consider.But one savvy traveller managed to make his dream a reality. He cut the cost of his trip, which included, Tokyo, Singapore and Dubai, to just £329 from around £41,913.The dramatic savings meant that he ended up spending less than one per cent of the total cost of the holiday.To make events even more enviable, the canny explorer didn’t do things by halves.He enjoyed free-flowing champagne in first class suites and cosy nights in luxury hotel rooms.Daniel Gillaspia kept a blog of the trip on his website, Upon Arriving, where he documented the various ways to gather points and deals that can be spent on hotels and airlines.Daniel got the idea from other travel hackers and decided to put their tips to the test.The American was careful to accumulate points and rewards on cards before embarking on his travels.Using a staggering 45 credit cards he had to … [Read more...] about This clever traveller used all the insider tips he could find online to slash the cost of his holiday from £41,913 to just £329