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Credit card to use abroad

 
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Marionb



Joined: 27 Aug 2006
Posts: 5249
Location: Mid-Wales
PostPosted: Thu Aug 01, 13 2:01 pm    Post subject: Credit card to use abroad  Reply with quote    

Can anyone recommend a credit card I can use abroad that wont charge for cash advances and purchases?

I was going to get a Post Office card but when I went to the PO today for a member of staff to sign photocopies of my documents as "original seen" they said it would cost me 7.50 Because I'm not sure one of the documents will be sufficient to satisfy their rules and regulations, I was not prepared to pay that amount only to be told when I send the documents off that they dont meet their requirements, I refused and walked out in a huff

Just wondering if anyone on here can recommend something?


perlogalism



Joined: 27 Nov 2009
Posts: 440
Location: Near Welshpool
PostPosted: Thu Aug 01, 13 2:05 pm    Post subject: Reply with quote    

ASAIK, they all charge for cash advances. What has surprised me is that my Co=Operative Visa charged me "non-sterling transaction"fees for each of my recent purchases in the 'States. That's a new one

NorthernMonkeyGirl



Joined: 10 Apr 2011
Posts: 4345
Location: Peeping over your shoulder
PostPosted: Thu Aug 01, 13 2:37 pm    Post subject: Reply with quote    

Look at the MoneySavingExpert.com, they keep up to date with who is charging what, and I recall credit cards for holidays being a Big Thing.

Off the top of my head it is (or at least was) a Nationwide one that came out best.

Edit - would a debit card do? It would avoid the crazy cash-withdrawal fees?

perlogalism



Joined: 27 Nov 2009
Posts: 440
Location: Near Welshpool
PostPosted: Thu Aug 01, 13 2:50 pm    Post subject: Reply with quote    

NorthernMonkeyGirl wrote:
would a debit card do? It would avoid the crazy cash-withdrawal fees?


Again, I think they all charge. A couple of years ago I got a Travelex Cash Passport which allows you to load up a card in sterling and then draw on that in local currency with no transaction charges. What was hidden in the small print was that they charge 2% to load the card

lettucewoman



Joined: 26 Sep 2006
Posts: 7834
Location: Tiptoe in the Forest!!
PostPosted: Thu Aug 01, 13 2:54 pm    Post subject: Reply with quote    

You could take a preloaded card...weve done this twice and its great...good exchange rate and you can load more on whenever you like..Have a look at FairFX ..its a modern version of travellers cheques...its mastercard based so accepted most places No charges for using it and minimal charge for withdrawing money

sean
Downsizer Moderator


Joined: 28 Oct 2004
Posts: 41902
Location: North Devon
PostPosted: Thu Aug 01, 13 2:59 pm    Post subject: Reply with quote    

I use a FairFX card too.

Nick



Joined: 02 Nov 2004
Posts: 33850
Location: Hereford
PostPosted: Thu Aug 01, 13 3:16 pm    Post subject: Reply with quote    

They all charge, or you get a poorer exchange rate.

MSE will suggest the best current one.

Marionb



Joined: 27 Aug 2006
Posts: 5249
Location: Mid-Wales
PostPosted: Thu Aug 01, 13 3:18 pm    Post subject: Reply with quote    

I've looked on MSE... best one is the Post Office one..

I will have a look at the FairFX thing...

Thanks for all suggestions... keep them coming!!

mark



Joined: 14 Jul 2005
Posts: 2186
Location: Leeds
PostPosted: Thu Aug 01, 13 6:47 pm    Post subject: Reply with quote    

I use Halifax Clarity when abroad (credit card)

http://www.moneysavingexpert.com/travel/cheap-travel-money#halifax

I pre-order cash usually from from

Many debit cards have horrendous fees abroad (worse than credit cards)!

For cash I pre-order on the internet (usually Travel-X) and collect at the airport on day of travel . Delivery to home is free - but I don't like waiting in to sign for it

Shan



Joined: 13 Jan 2009
Posts: 7568
Location: South Wales
PostPosted: Thu Aug 01, 13 7:00 pm    Post subject: Reply with quote    

Caxton is another useful one.

bagpuss



Joined: 09 Dec 2004
Posts: 10507
Location: cambridge
PostPosted: Thu Aug 01, 13 9:04 pm    Post subject: Reply with quote    

I use the Halifax Clarity card, I don't think you get quite such a good rate but there are no loading fees and unless the machine charges you the cash advance apr is the same as the normal apr (currently 12.9% though it is charged from when you get the money rather than the end of the month) so I use it for all my abroad transactions where possible

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