mozip78 4

mozip78

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Member since:02.09.2003

Reviews:15

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Quote-start

Cashback makes me smile

Quote-end
10.09.2003 (16.09.2003)

Advantages:
Cash bank, good ethical company .

Disadvantages:
Slightly confusing website

Recommendable Yes:

Detailed rating:

Competitiveness of APR

Product package

Quality of Customer Service

Reward Scheme

Additional Charges

Security and Privacy

Ease of Application

3 Ciao members have rated this review on average: somewhat helpful See ratings
helpful by (14%):
  1. fuzzibear
somewhat helpful by (86%):
  1. OKkaraoke
  2. redpen
  3. Cici_Ying
and 3 other members

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I started out as a Smile bank account holder, which made it easier to apply for the account, plus I get better rates than I would have otherwise. For example with a current account I get a rate of 9.9% APR, without it's 10.5% (you can check comparisons with other credit card companies on the Smile website). If you're just na occasional user, and just use it as a stop gap to payday, you get 46 days interest free, as long as you pay the outstanding balance in full.

One of the best things about the card is the cashback it's 0.5%, plus as everyone knows Smile is a goodie-two-shoes company, that would never invest your money in anything unsavoury. You can check you account online, and if you have a current account with them it's quite easy to pay off (there's also a handy overall amount indicator which offsets your debit against your credit). Unfortunately due to environmental concerns you never get a paper bill, which for the occassional user is fine, but those on shopping sprees might not find agreeable.

But one nice little thing is you do get credit card cheques, so if you can't pay by card you can use these instead (eg, to an individual).

The best thing to do with this card is use it as much as possible, earn plenty of cashback, and get more interest on the current account.
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Comments about this review »

Cici_Ying 10.09.2003 20:06

including other details such as cpr, application process, how to apply, subject to status, who can apply should all help you gain higher ratings

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Review Ratings »

This review of Smile Credit Card has been rated:

"helpful" by (14%):

  1. fuzzibear

"somewhat helpful" by (86%):

  1. OKkaraoke
  2. redpen
  3. Cici_Ying

and 3 other members

The overall rating of a review is different from a simple average of all individual ratings.



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