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Credit card to use abroad

 
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Marionb



Joined: 27 Aug 2006
Posts: 5267
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: 4630
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: 42219
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: 34535
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: 5267
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: 2191
Location: Leeds
PostPosted: Thu Aug 01, 13 6:47 pm    Post subject: Reply with quote
    

I use Halifax Clarity when abroad (credit card)

https://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: 9075
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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