Halifax Let Me Down

doire_2
doire_2 Posts: 2,275 Forumite
First Post First Anniversary Combo Breaker
in Flights, currency & car hire
for a Clarity card. Applied weeks ago and heard nothing back. Rang them last week and was told it would be here before I go on holiday on May 26th.
Still no card this week so rang them this morning only to be told there is an issue with their system and my application hasn't reached their IT department yet.
They have told me there is no chance of getting a card now before May 26th.

What options do i have here? I've got a Nationwide debit card but debit cards charge for ATM withdrawal (on top of the ATM's own charge). they also charge for converting sterling to dollars.

Ive got the spending money to load on a card but was hoping for a credit card so I could pay it off over 2 months after my holiday

Thanks
«13

Comments

  • DownTime
    DownTime Posts: 41 Forumite
    You could try Creation Everyday or Santander Zero.
    Which countries?
  • doire_2
    doire_2 Posts: 2,275 Forumite
    First Post First Anniversary Combo Breaker
    I will be in the US
  • benjus
    benjus Posts: 5,433 Forumite
    First Post First Anniversary
    edited 18 May 2017 at 2:23PM
    DownTime wrote: »
    You could try Creation Everyday or Santander Zero.
    Which countries?

    Any credit card that you would have to receive by post is unlikely to arrive before May 26th.

    Have a look at this thread for some last minute ideas: http://forums.moneysavingexpert.com/showthread.php?t=5644083 (although bear in mind that Metro Bank charges for use outside Europe).
    Let's settle this like gentlemen: armed with heavy sticks
    On a rotating plate, with spikes like Flash Gordon
    And you're Peter Duncan; I gave you fair warning
  • DownTime
    DownTime Posts: 41 Forumite
    benjus wrote: »
    Santander Zero is no longer available to new customers and any credit card that you would have to receive by post is unlikely to arrive before May 26th.

    Have a look at this thread for some last minute ideas: (although bear in mind that Metro Bank charges for use outside Europe).


    http://
    santander.co.uk/uk/credit-cards/zero-credit-card

    Keep up ;)
  • DownTime
    DownTime Posts: 41 Forumite
    doire wrote: »
    I will be in the US

    http://
    moneysavingexpert.com/credit-cards/prepaid-travel-cards#monzo
  • doire_2
    doire_2 Posts: 2,275 Forumite
    First Post First Anniversary Combo Breaker
    DownTime wrote: »
    You could try Creation Everyday or Santander Zero.
    Which countries?

    Contacted both but they said the card wouldnt be here on time unfortunately
  • doire_2
    doire_2 Posts: 2,275 Forumite
    First Post First Anniversary Combo Breaker
    Anyone tried the Thompson pre paid card? I know the rate isnt the highest but there are no fees or charges
  • DownTime
    DownTime Posts: 41 Forumite
    doire wrote: »
    Contacted both but they said the card wouldnt be here on time unfortunately

    In that case, you may have to do without a travel oriented credit card. Try to make do with a prepaid card.
    You should have a credit card for 'holds' and deposits, but ask the hotel etc to charge the final bill to the prepaid card(shown in post #6).
  • doire_2
    doire_2 Posts: 2,275 Forumite
    First Post First Anniversary Combo Breaker
    DownTime wrote: »
    In that case, you may have to do without a travel oriented credit card. Try to make do with a prepaid card.
    You should have a credit card for 'holds' and deposits, but ask the hotel etc to charge the final bill to the prepaid card(shown in post #6).

    I'll just go with the pre paid card from Thompsons. Hotel is already paid for (through Thompsons)
    Thanks for your help :)
  • DownTime
    DownTime Posts: 41 Forumite
    doire wrote: »
    I'll just go with the pre paid card from Thompsons. Hotel is already paid for (through Thompsons)
    Thanks for your help :)

    I wouldn't do that if I were you.

    Less than US$1.26 to the £ as compared to the current rate of more than US$1.30 to the £. Plus an extra US$3 per ATM withdrawal.
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