Should I buy an engagement ring with a debit or credit card?

[_daveR]

I know the collective PH thoughts on marriage...

But if I'm spending several £K on one purchase should I use a credit or debit card for this? I don't actually have a credit card so I'd need to get one if it's worth while.

[kit80]

depends if you can afford it on debit card or not and if either has insurances againts purchases

[vojx]

forget the ring, just give her the credit card

[Vesuvius 996]

vojx said:

forget the ring, just give her the credit card

Wot he sed.

[R4PID]

kit80 said:

depends if you can afford it on debit card or not and if either has insurances againts purchases

Credit car will have the insurance with it by the very nature of it being a credit card. Ideally you'll have one giving you cashback and a high interest current account. So every month you earn interest on your wage, cash back on your spends and then pay the card off with the full amount every month. Sorry, I digressed. Credit card is the answer.

[OllieBirmingham]

Aren't you more likely to be able to return it and get a refund if you pay on credit card? Be a lot easier when she says no then.;)

[R4PID]

Don't forget 1.5 x gross monthly salarly is the going rate these days. Anything less and she'll think you're a real cheap skate.

[sleep envy]

R4PID said:

Don't forget 1.5 x gross monthly salarly is the going rate these days. Anything less and she'll think you're a real cheap skate.

3 times gross

[51mes]

Yes very much wot he said,

Personally I'd get a platinum card, then warm it gently over some heat so you can roll it up and then make it into a nice ring shaped item...


Best of both worlds....

Personally I'd throw it on a CC - but actually thinking about it if you are good with money why not take the normal jewlers offer of 9/12 months 0%...

You bank the money, earn interest on it and pay the monthly from your saved money... I do this all the time - it's worth it for filling in a simple form.. Only if you trust yourself with money..

Simes.

[_daveR]

I knew I'd get the wise cracks

Technically a months salary is just under £600 so she is doing well to get what she is!

I can have the cash so thats no problem. Plus she already said yes I'd been thinking about doing the monthly spend on a CC and then just pay it off each month and take the cash back.

Bit of a tangent but whats the best card for cash back at the mo?

[sleep envy]

actually just looking at one of her mags it's 5x gross

[sleep envy]

anonymous said:

[redacted]

Manolo??

you're lucky, mine said it's a christian louboutin account or divorce

[Shodan]

how you pay for it is less important than getting a GIA certified stone... I know some poor sods that have been stung by fake rocks in the past

[sleep envy]

anonymous said:

[redacted]

TBH if it was mine you'd be saving me £400

[thinfourth2]

sleep envy said:

R4PID said:

Don't forget 1.5 x gross monthly salarly is the going rate these days. Anything less and she'll think you're a real cheap skate.

3 times gross

Spend £200

If she is upset and throws a major strop it might just be the best £200 you ever spent

[MrV]

sleep envy said:

actually just looking at one of her mags it's 5x gross

Woman's mag so total fantasy

[sleep envy]

MrV said:

sleep envy said:

actually just looking at one of her mags it's 5x gross

Woman's mag so total fantasy

really??

[_daveR]

Shodan said:

how you pay for it is less important than getting a GIA certified stone... I know some poor sods that have been stung by fake rocks in the past

I've done my research courtesy of the usual PH sources so I'm all good with the stones.

Some of you lot must be real happy in your relationships