Danske Bank and Mastercard Platinum. As a customer, you get a 0.5% payment method benefit on all payments made with the credit card during the year. You get cold hard cash into your account at the end of the year. Except that the upper limit/cap for the payment method benefit is how much you have paid in service fees to the bank during the year. So, in plain Finnish, you get the service fees to zero if you diligently use the credit card they issued. “Payment method benefit” my ass. I should have read this small print properly before, as a simpleton, I thought I was getting some genuine benefit from the bank’s customer relationship.
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Well, in defense, it must be said that those often go with kitchen furniture, so when you place an order, it goes into the production queue for a large Polish kitchen company… some products might be on the shelf, but the stocks are small…
I was wondering during the day what small change had come back from the bank 
I guess I hadn’t read that fine print even as much as you had. I’ll have to start swiping my card more next year.
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I don’t quite get what’s bothering you? So are you using a credit card for a large 5-digit sum annually, meaning you’re missing out on 0.5 percent of the amount exceeding the service fees?
For example, the list price for Danske Premium’s service fees is €12.5/month. This means you’d have to spend over 30,000 euros with
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I hadn’t realized the entire cap formed by the service fees at all. We pay service fees of 2.70 per month, so 2.70x12=32.40€ maximum Mastercard payment method credit per year, even if the card had been swiped for 30k EUR per year.
Competition among telecom operators is somewhat unhealthy. If one doesn’t shop around for a subscription, the customer loses and the operator wins. If, on the other hand, one does shop around for a subscription, new customers are offered large discounts and gift cards as incentives, which the operator one is leaving then tries to beat with their own offers until the very last moment.
This time, I decided to switch operators, even though my previous operator made an even better offer on the last day. Previously, contracts were not fixed-term, but now they are. Part of my decision was influenced by the fact that my previous operator artificially raised its prices mid-contract due to development costs, which other operators did not do. If prices are adjusted mid-way through, I felt I couldn’t trust that operator not to adjust them again in the future for some excuse.
If all customers were to regularly shop around for their subscriptions, it would certainly be even more strongly reflected in the results of these publicly traded companies. The question arises: is this competition healthy? Does this game harm the entire telecommunications sector?
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I ordered from Tokmanni for the first time in my life, as there was a -40% offer on board games and jigsaw puzzles for club members. I even joined the Club. Now I can shout my phone number in every direction at the checkout, as is customary.
I placed the order on November 16th, and the first part of the order arrived at the Oulu store on November 24th, after which I picked it up on November 26th.
At the same time, I asked when I could expect the second part to arrive: “It’s coming from another warehouse, I can’t say.”, the salesperson replied.
The pickup itself was arranged quite smartly at its own counter next to the checkouts, but the salesperson came from the checkout to handle it.
Now we are still waiting for a couple of jigsaw puzzles. Practically three weeks have passed if no arrival notification comes tomorrow. Either the goods aren’t moving and there’s no need for freight, or there are severe problems in the process…
I now sent an email to customer service, asking if they have any thoughts on the schedules.
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For goodness sake, don’t shout out that number. Show the app. I can recommend it, it’s remarkably much easier than shouting out the number.
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