Advantages Easy to use, clear statements and earns extra £s through Nectar Points
Disadvantages Nectar points earnings slow down after the promo period.
|Competitiveness of APR|
|Quality of Customer Service|
|Security and Privacy|
|Ease of Application|
I have had my Sainsburys CC for over the 2 year double nectar points period, and despite the reduction of them, it’s still not bad.My APR is 15.94%, but as I pay it EVERY month, the nectar points builds up nicely every month. Unfortunately, I am not aware how competitive this is to the savvy shopper, so
Some of the tricks are to round the spend up to a £ for a supermarket spend. When buying petrol, make sure the litre is a whole e.g. 10.1 litres rather than 9.8; and no matter what the £/litre is, so always round it up to the litre (just double checked by looking at April's receipts).Nectar points work like ‘T’ points - spend money, and points are earned. More points are earnt on particular items that S’ wants to sell in high volumes (labels on shelves / promotions, advertising etc).
S' points can also be earnt from a range of companies, in-store or online e.g. Homebase, Halfords, Experian - just look at http://www.nectar.com/One of the major advantages over other companies, is they can be spent on a range of companies or products - anything from Argos, Amazon to Easyjet and Sealife. At times they have bonus purchases, so your 500 points will go a lot further.
If I have a choice of the same (minus/plus 50p for a product), I will use Nectar points as there is NO TIME LINE on using the points like, unlike some other supermarkets.M
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