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#453400

ParselTongue
Participant

IO, they are making money from you, through the merchant fee that is charged to the retailer when you use the card. It may be that they are not making enough money from you though. And 21.9% is quite “reasonable” compared to BA Amex at 46% (usurious would be a better term for Amex).

At least you have a Visa. Despite having (or given your experience perhaps because of having) a spotless credit record and a decent salary, I have been turned down for the card on a number of occasions, even though I had the predecessor card from a different supplier.

In consequence, my loyalty has switched to Marriott who would give me a rewards card. I have pointed this out to IHG, but they seem quite happy for their Visa bank to lose them custom.

And it looks as if the bank may be doing the same with you. It’s a perverse approach from IHG.