OK so I've been following and reading this thread for a year or longer and need to ask some advice, I am on RL3 with a Gold Cheque account, no credit card. To be honest, I am scared to get a CC, do not want to have extra costs for something I don't really need. Also what is the benefits gold vs platinum vs PC vs PW concerning ebucks? I qualify for both PW &PC but have not upgraded because I don't really see the point? Except if the ebucks will be a lot more? TIA
I found it hard to get to RL4 on Gold without a credit card (never once made it to RL5) so I signed up last month... time will tell if it was worth it.
First month with the CC and I'm on RL4, and I should make it to RL5 next time round.
To limit any risk (and due to my complete hatred of paying any interest) my way of using my CC is to swipe from the beginning of the month until I get to 20% of my limit and then pay it all off. For the remainder of the month, whenever I swipe the CC, I transfer from my cheque account to the CC.
If you do this from the FNB app that will also score you RL points for 4 logins per month.
The thing for me personally is that the CC merely a tool to climb the Reward Level ladder, not to directly score eBucks ... my total monthly spend is very modest so I don't earn alot extra by the actual use of the CC... the real eBucks are scored on fuel and Checkers when you're on RL5 ; anything else is incidental for me (I scored less than eB250 on CC spend)
So I'm just using the CC to get to RL5 so that my Checkers and Fuel spend scores me 15% in eBucks cos theres ALOT of RL points to be had just by playing the game with a CC.
To quantify "ALOT" here's the CC-related items (on Gold)...
AutoPayment : 1000
100% spend on CC: 4000
Use 10% - 90% of CC limit : 1500
After 1 year, you'll also get another 2000 points if you don't exceed your CC limit
That's 8500 RL points in total
I hatd owing money and that's why it's hard for me to make that decision. But will take your advice and check it out anf make a decision-with a CC
