With Christmas coming, our Engage VISA card could be the ideal way to manage your spending. This is a pre-paid VISA card which allows you to avoid paying with cash while not exceeding your spending limit.
Recent news reports have highlighted that many shops are now reluctant to take cash, due to social distancing and hygiene concerns, with some even refusing outright. Our Engage VISA card is the perfect alternative, which you can use to shop in-store or online, pay bills, receive your wages and manage your Credit Union loan.
The great thing is that, unlike a credit card, our Engage VISA card doesn’t let you go over your spending limit, and has a fixed and open charging structure.
The Engage VISA card is free for purchases made in the UK, offers a free mobile app for Android and iPhone and provides a very useful ‘Engage envelope’ money management tool to help you pay bills or set money aside. For example, you could put your Credit Union Christmas loan on the card and keep the Christmas money separate from your current account.
It is free to set up a standing order and you can get free email alerts to help you track your spending. In addition to low management fees, you can earn up to 15% cashback every time you use your card with Engage rewards partners. Participating retailers include B&Q, Asda, Halfords, M&S, Sainsburys, Argos and Debenhams, and many more.
The Engage mobile app allows you to check your balance, view transactions, send money to other bank accounts, view the latest cashback rewards, update your information and request a call back from the customer services team.
Credit Union Secretary Don Kehoe said: “We have seen, since the start of the coronavirus pandemic, that many stores are now reluctant to take cash, even for essentials. With Christmas coming, this could be a major inconvenience for many people.
“A credit card is not the answer for everyone, as it is too easy to build up expensive debt, but our Engage VISA card is a great alternative. As a pre-paid card, it doesn’t let you spend more than your limit, and there are no hidden charges.”
Click here to find out more about our Engage VISA card.
