“ Earn play.com bonus points and earn gift vouchers to put towards your next play.com purchase. „
Whilst surfing the ever-increasingly popular website that is Play.com, I noticed an ad on their home page for a credit card. What reeled me in was their points for play vouchers offer. It means, that for every purchase you make using the Play Credit card, 1% of the value is credited in the form of "play points" to your account. Even better, if you make a purchase on the Play.com website using their credit card, you receive 2% back!
These "Play Points" rack up quickly and can be redeemed for monetary vouchers to be used at Play.com. This does not exclude Play Traders either.
I decided to go ahead and apply for this credit card and my husband and I got an account together. The application process was very simple and we received our cards within a matter of days. No need to send any form of identification or proof of income, no hassles, just a quick telephone conversation and a contract to sign that came through the post the next day!
It's been over a year since I started with the MBNA credit account. Since then I have bought nearly 50 blu rays, all of my children's Christmas presents for this year and I have already got another £50 to spend on whatever I like. I can not tell you just how much of a difference this card has made to my life! In these times of economic decline and financial distress, it is glorious to get something back for your shopping and still have the ability to treat yourself once in a while.
Here's the secret to how I have managed to build up so many points:
Use your card for EVERYTHING. You budget for food, fuel, clothes, utility bills, paying off store cards....right? Use the Play Card and at the end of the month, pay off the card with your debit card. This means that most of the time you are paying no interest- the play card becomes a discount card on everything you buy!
I have called customer services on a couple of occasions, once when we went abroad and found the card had locked. (They now have a simple texting service where you can send them a quick text saying where you will be travelling to and what date, and they won't lock the card!) and I called another time when charges were wrongly made to my account. Both occasions I spoke to a friendly, well-spoken advisor who quickly repaired the problem and didn't waste my time.
I am so pleased with my MBNA experience that I have got another credit card with MBNA which gives me AirMiles.
I must admit that I have always taken my various flexible friends for granted, probably because I've had so many of them over the years and they all do roughly the same thing. After all, it's hard to get enthusiastic about a piece of plastic that just allows you to time shift your payment for goods and services to a more convenient time. All that changed though when I got to know the Play.com credit card.
I must confess to being what is commonly known as a rate tart, someone who regularly moves their debt around from one 0% introductory credit card offer to the next to avoid paying any interest. This isn't as rewarding as it used to be since the advent of the balance transfer fee, now charged by the vast majority of card providers, but is still usually worth doing.
This is how I first began to use the Play.com credit card. I usually operate with two credit cards, an old faithful for day to day purchases and a bit on the side for emergencies. Nearing the end of one offer, I was looking for my next victim to shoulder what was left of the unexpected outlay for our new central heating boiler. With 0% interest for six months on balance transfers, nine months on purchases and a 1.5% balance transfer fee, it shone out like a beacon amongst all the other 3% fee cards.
However, its best feature wasn't fully appreciated until I had to add some extortionate MOT work to the debt...its reward points. One point is awarded for every pound spent - double if shopping at Play.com - and once 1000 points have been accumulated, the balance can be exchanged for a £10 Play.com voucher, meaning a 1% return on money you were spending anyway. You can allow the points to build if you wish and redeem in multiples of 500 points, so for example 2500 points would get you a £25 voucher. There is also a bonus of 1500 points if you spend £150 in the first 90 days, a whopping 10% return. The cost of the CV Boot meant that I earned these in one fell swoop!
This card works really well for me as I already do a lot of shopping at Play.com, finding them to be the cheapest site for many things, especially DVD's. I also find it more rewarding to be able to go online and redeem the points at regular intervals, rather than having to wait for the annual award from my old faithful cashback card, which rounds down to the nearest £5. As I am always either in a 0% interest deal or paying a card off in full each month, it also means I earn from them and they get nothing from me, which is a nice arrangement!
Another thing I like about the card is that it uses the new Faster Payment System (FPS), which means you can make your payment online as late as the day before the due date and it will still arrive in time. This also means that purchases can hit the account within a few hours, which makes it quicker to check transactions for extra peace of mind and easier to work out the likely statement amount for budgeting purposes.
The whole process from application to payment is done online, so you need to be comfortable with managing your finances that way before proceeding. Statements are also paperless and received by email, so it's important to check your inbox carefully and regularly to avoid missing deadlines. The online service is easy to set up and use, benefiting from additional security measures such as a site key, an image you choose that will appear during log on to reassure that you are using their legitimate site.
The card is issued by MBNA Europe, which is worth bearing in mind as they administer cards on behalf of many organisations and a balance transfer can't be made between two of their accounts. Once the introductory offers are over, it has a representative APR of 16.9%, which is an average sort of rate.
I was so impressed with the card that when it came to moving our debt along, I promoted the bit on the side to become my significant other.
Making use of credit facilities is not a step to be taken lightly and requires some discipline and willpower. However used sensibly for your every day purchases, this credit card will work for you and entertain with its rewards.
I used to have the Amazon credit card and when that card expired I noticed that conveniently the Play.com website in conjunction with MBNA had introduced a very similar credit card. The offer was spend £150 on the card in 3 months and receive a £15 Play.com voucher - if you put your normal spending on the card this is easily done.
I applied for the card and got accepted no problem, as with any card there is the risk of rejection but MNBA does not seem to be one of the stricter providers. My card and PIN arrived not long after.
I spent my £150 and when the time came to claim my voucher this happened really easily and arrived via email a couple of days later.
After this initial voucher you receive 1 point for every pound spent outside of Play.com and 2 points for every pound you spend on the site. If you use the card to pay for your normal shopping the points soon add up - 500 points equals a £5 voucher and I've claimed about £20 of vouchers in four months by doing this!
I buy a lot of stuff from Play.com anyway, so this is a brilliant way of effectively getting things for free!
A great offer on the card is 0% interest on purchases for 9 months and 0% on balance transfers for 6 months.
After that, remember to always pay your card off in full every month or the interest you pay will outweigh the points you gain!
The standard APR is 15.9% which isn't bad, though not the best.
I find the MBNA online banking service to be simple and easy to understand.
If you want a card because you actually need to spend on it and spread the cost over a long period of time, this might not be the card for you (unless you intend solely to take advantage of the 0% interest offer), but if you are careful with your money and pay your card off each month then this is a fantastic card to have!
After Amazon stopped their credit card through the Halifax I noticed play.com were providing a similar rewards service but a much better offer.
I applied for the credit card by following the link on the play.com site, they offer an instant decision in most cases and turn around the paper work very quickly. I had my card in just over a week.
The intial offer involves spending £150 in the first 60 days and you'll be awarded with a £15 play.com voucher. You then earn 1 point for every point spent and double points if the purchase is on the play.com website.
A couple of other intial offers became apparent when I logged into the online banking with mbna. The first offer is 0% on balance transfers for 3 months and the second is 0% on purchases for 9 months. This makes the card one of the best around; rewards and 0% offers!!
The standard apr is 15.9% which is pretty much standard for the majority of cards, but mbna have been know to up this for more risky customers.
Using the mbna online banking is a pleasure, it's one of the simplest and most user friendly I've come across so far.
I haven't cashed in my points so far, I'm saving them for a larger purchase instead of spending it on dvds and cds.
Not a great fan of credit cards but do you use Play.com quite a lot and as this card offers a point system (1 point for 1 pound/2 point for 1 pound spent on play.com) thought I would give it a go.
Very easy on line application through Play.com website, application is paperless as well so no mountain of letters and application forms which is the same as the statements which are all accessed on line and you receive e-mails which are your statements, takes no time to set up online, just usual password etc.
Opening offer was spend £150 in sixty days and get £15 Play.com voucher, usual you would have to spend £1500 to get £15!! so not a bad offer, Usual credit card balance transfer deal with a 3% charge,and 0% interest on purchases for nine months and 0% on balance transfers for six months. Then reverts back to usual 15.9% APR
There is no annual fee for this card and it is a Visa card issued by MBNA on behalf of Play.com.
Have been using for about six weeks and have got my bonus points to redeem for my vouchers and have no problems or issues so far.
A nice simple credit card clearly explained