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  • FIRST POST
    • MSE Sam M
    • By MSE Sam M 13th May 15, 4:43 PM
    • 234Posts
    • 158Thanks
    MSE Sam M
    0 WOW
    Travel credit cards
    • #1
    • 13th May 15, 4:43 PM
    0 WOW
    Travel credit cards 13th May 15 at 4:43 PM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks,
Page 10
    • skipfeeney
    • By skipfeeney 28th Oct 16, 11:21 PM
    • 49 Posts
    • 2 Thanks
    skipfeeney
    Hi,

    I have just got my creation card and noticed the following on their website:

    https://myaccount.creation.co.uk/info/faq.html

    When I use my credit card abroad will I incur any charges for doing so?
    Yes there is a 2.99% foreign conversion charge. If you withdraw cash abroad, there is also a £5 or 5% cash handling fee (whichever is the greater)

    Is that correct? I though there were no fees?
    • eDicky
    • By eDicky 29th Oct 16, 2:44 AM
    • 2,597 Posts
    • 1,113 Thanks
    eDicky
    Hi,

    I have just got my creation card and noticed the following on their website:

    https://myaccount.creation.co.uk/info/faq.html

    When I use my credit card abroad will I incur any charges for doing so?
    Yes there is a 2.99% foreign conversion charge. If you withdraw cash abroad, there is also a £5 or 5% cash handling fee (whichever is the greater)

    Is that correct? I though there were no fees?
    Originally posted by skipfeeney
    These are the fees in general for Creation cards. If you have the Creation 'Everyday' card they are automatically refunded to you, which will be apparent on your statement.
    • Manx Cat
    • By Manx Cat 7th Nov 16, 11:34 AM
    • 9 Posts
    • 0 Thanks
    Manx Cat
    I have just taken out the Lloyds Avios. I also have a Halifax and got a Supercard. I want to close down some cards - don't like having too many hanging around. Is there any point keeping the Supercard? And should I keep the Halifax as backup in case or loss of the others?
    • eDicky
    • By eDicky 8th Nov 16, 1:05 PM
    • 2,597 Posts
    • 1,113 Thanks
    eDicky
    I have just taken out the Lloyds Avios. I also have a Halifax and got a Supercard. I want to close down some cards - don't like having too many hanging around. Is there any point keeping the Supercard? And should I keep the Halifax as backup in case or loss of the others?
    Originally posted by Manx Cat
    If it's the Halifax Clarity, that's worth keeping for travel. Supercard likewise. Backup cards hardly weigh you down and you may be glad you kept them, one day...
    • Credz4
    • By Credz4 19th Jan 17, 12:51 AM
    • 7 Posts
    • 1 Thanks
    Credz4
    Feedback on creation credit card etc....
    I work and holiday in the Eurozone and had recently looked up a Spanish hotel on expedia, called the hotel direct and got them to price promise less 10% for booking with the hotel direct. Great move (feeling smug with self) but paid with Credit card (Nat west) and was hammered with £13 of charges and hadn't even left my office chair let alone checked in!
    Undaunted, I applied and was immediately accepted for a Creation Card (I don't do anything Halifax). Pin and card arrived in good time. I activated it via phone which was very easy and set up an online statement account also very easy. Access to statements online is easy and the site appears basic, I should say uncomplex, because that's exactly what it is. 4 tabs across the top brief summary, recent spending, full statements etc, you choose what you want and its simple! Woo hoo I like simple. Easy to understand the statement and I like that they tell you where they have deducted the exchange/foreign fee (for some reason I like to see it there). Only downside is that when I make an online payment it doesn't show or update immediately in the statement, thus I would advise paying at least 3 days before the payment due date to ensure they have received it in good time.
    Back to my spain hotel, I booked again directly with the same hotel. They gave the same deal (price promise with expedia less 10%) booked with Creation card and saved £13 in charges too (total savings of £23 if counting the 10% and the card charges) Am I clever or what!!
    Have also used Creation card to pay for hotels in Germany and again saved about £8 on fees. Have not used it for cash withdrawal and to be honest I am unlikely to do so as I have a Nationwide Flexplus account that does this FOC anyway (OMG am I Savvy or what!?) £10 fee for the Nationwide flexplus account but it also gives you annual family worldwide travel insurance (which I use) mobile phone insurance, (I hope not to use) 12 month extra warranty on electronic goods (fridge/TV etc) (on top of manufacture warranty) breakdown cover (not yet used thankfully but saves around £59 a year) and the fraud prevention/protection scheme thingy and possibly a few other things not yet mentioned, all along with something like 2.5% interest on your account balance in to the bargain. So in conclusion and as per title my feedback is as follows:

    Creation Credit Card - fab wish I'd sorted it sooner. Simple but effective.

    Nationwide Flexplus - recommend if family traveling, need breakdown cover or are likely to throw mobile phone down toilet & want good interest on balance with free cash withdrawal abroad.

    Expedia Price promise (if not more off) booking direct with hotel after checking out cheap rates online. Simply brilliant. (Although note not ATOL protected if booking direct, but that's why we pay with credit card to get credit card protection....woo hooo!)
    • PeacefulWaters
    • By PeacefulWaters 19th Jan 17, 5:07 AM
    • 6,590 Posts
    • 8,083 Thanks
    PeacefulWaters
    What were the £13 in fees Nat West cost you on a £100 booking?

    Should be nearer £3.
    • phguk
    • By phguk 30th Jan 17, 2:16 PM
    • 9 Posts
    • 0 Thanks
    phguk
    Incorrect description of Barclaycard fees
    Your comments on Travel Credit Cards about Barclaycard suggests "there's no fees for spending or withdrawing cash abroad until 31 August 2018".

    I've been with Barclaycard for 10+ years and have just ordered an additional card for a family member and the accompanying letter states "There's just one single transaction fee of 2.99% for both purchases and cash withdrawals that take place outside the UK".

    Perhaps your best buy advice is incorrect ?

    Thanks Paul
    • NiftyDigits
    • By NiftyDigits 30th Jan 17, 3:34 PM
    • 10,287 Posts
    • 4,380 Thanks
    NiftyDigits
    Your comments on Travel Credit Cards about Barclaycard suggests "there's no fees for spending or withdrawing cash abroad until 31 August 2018".

    I've been with Barclaycard for 10+ years and have just ordered an additional card for a family member and the accompanying letter states "There's just one single transaction fee of 2.99% for both purchases and cash withdrawals that take place outside the UK".

    Perhaps your best buy advice is incorrect ?

    Thanks Paul
    Originally posted by phguk
    Different card.
    https://www.barclaycard.co.uk/personal/credit-cards/platinum-travel-credit-card
    • phguk
    • By phguk 30th Jan 17, 4:36 PM
    • 9 Posts
    • 0 Thanks
    phguk
    Apologies (and well-spotted). I'd not appreciated Barclaycard offered both Platinum as well as Platinum Travel cards.

    Tx Paul
    • keletkezes
    • By keletkezes 17th May 17, 12:52 PM
    • 20 Posts
    • 0 Thanks
    keletkezes
    A couple of questions:

    My Barclays Platinum card makes no mention of 'Travel' but I've been a Barclaycard customer since 2002 so I've been upgraded a few times. My statement tells me that I have 0% fee on foreign cash withdrawals until 2018. Presume that means it's OK?

    Anyone know what the ATM fees are like for Canada and if withdrawing using a credit card from Scotiabank (part of the alliance with Barclays) will be cheaper/free? Hopefully I can manage without cash until I can get to a bank, which I presume will be better (i.e. actually going into the bank and withdrawing at the desk).
    • Orville
    • By Orville 18th May 17, 9:59 AM
    • 1,738 Posts
    • 1,005 Thanks
    Orville
    Try the FairFx card. I have used many times without any problems.

    Five Star reviews too on trust pilot.

    https://uk.trustpilot.com/review/www.fairfx.com
    • DownTime
    • By DownTime 18th May 17, 10:43 AM
    • 41 Posts
    • 20 Thanks
    DownTime
    Try the FairFx card. I have used many times without any problems.

    Five Star reviews too on trust pilot.
    Originally posted by Orville
    What has that to do with Travel credit cards?

    I'll tell you. Nothing.
    • Curlylocks27
    • By Curlylocks27 1st Jun 17, 12:55 PM
    • 3 Posts
    • 1 Thanks
    Curlylocks27
    No - only statemented purchases. Payments always go towards statemented purchases (ie those that were on your last monthly statement or previous ones) before unstatemented purchases (ie those since your last statement date). Credit cards have to work this way if you think about it.

    But unstatemented cash advances are paid before unstatemented purchases. As long at it's hit the account, sometimes it takes a day or 2 to hit the account.

    The easy way to use the Clarity is to go on holiday, and clear the whole balance when you get back.

    The more complicated way is to just clear the previous statement balance plus any cash advances when you get back.

    The extreme MSE way is to pay the cash advance while on holiday, having first checked that the withdrawal has hit the account, and at the same time paying off any balance on the previous statement.

    For a short holiday, it really isn't worth messing about with the last method, I just clear the cash & previous statement balance when I get back, on my last holiday it cost me about 30p in interest.
    Originally posted by zagfles

    Hello Zagfles, I'm picking up on this old thread as it sort of answers the question I was wanting to ask on this forum. I just wanted to ask you another question if that is ok please. We are going holiday and our destination doesn't widely accept credit cards, so we need to make sure we have sufficient cash. If we had a credit card with us on holiday that we use just for cash advances and paid the amount off as soon as it hit our statement would this mean we pay the minimum for our money? It seems logical that this would be the case, but I'm not use if I'm missing something. Also do you know if there is a maximum number of times you can do this over a 2 week period before credit card providers start slamming you with charges?

    Many Thanks
    • richardc1983
    • By richardc1983 1st Jun 17, 1:02 PM
    • 1,880 Posts
    • 1,002 Thanks
    richardc1983
    It depends on the credit card:

    Some charge interest from the day you spend/take the money out. Some charge only when your statement is produced.

    The Barclaycard travel credit card doesn't charge interest if you pay the statement in full so its no fee etc.

    The Halifax Clarity one however charges interest from the very day you withdraw or spend. However if you do a bank transfer over the same day you will avoid interest as interest is charged per day.

    I will pay even the Barclaycard off the same day just so I know its done.
    If you found my post helpful, please remember to press the THANKS button! --->
    • eDicky
    • By eDicky 1st Jun 17, 2:08 PM
    • 2,597 Posts
    • 1,113 Thanks
    eDicky
    The Halifax Clarity one however charges interest from the very day you withdraw or spend.
    Originally posted by richardc1983
    You're mistaken, there is always the normal interest-free period on non-sterling purchases, the same as for any card.

    Curly, if your card has no fees for foreign cash withdrawal it will stay that way however much you withdraw, within their daily limits and of course your credit limit.
    • richardc1983
    • By richardc1983 1st Jun 17, 3:27 PM
    • 1,880 Posts
    • 1,002 Thanks
    richardc1983
    You're mistaken, there is always the normal interest-free period on non-sterling purchases, the same as for any card.
    Originally posted by eDicky
    Can you explain what the normal interest free period is?

    Does this cover Cash withdrawals? As I am sure it said for Cash Withdrawals your charged interest until its paid off.
    If you found my post helpful, please remember to press the THANKS button! --->
    • WAYT
    • By WAYT 1st Jun 17, 7:44 PM
    • 385 Posts
    • 149 Thanks
    WAYT
    Can you explain what the normal interest free period is?

    Does this cover Cash withdrawals? As I am sure it said for Cash Withdrawals your charged interest until its paid off.
    Originally posted by richardc1983
    https://www.halifax.co.uk/creditcards/clarity-card/Default.asp

    Maximum 56 days for purchases if you pay your balance in full (including any balance transfers and money transfers) by the payment due date and you also paid your previous month's balance in full by the due date.
    No interest-free period cash transactions.
    There is no interest free period for balance transfers or money transfers (if available) where these are outside promotional offers.
    • eDicky
    • By eDicky 1st Jun 17, 8:38 PM
    • 2,597 Posts
    • 1,113 Thanks
    eDicky
    Does this cover Cash withdrawals? As I am sure it said for Cash Withdrawals your charged interest until its paid off.
    Originally posted by richardc1983
    You wrote 'withdraw or spend' - they are two different things, treated differently. Interest free period for spending, not for withdrawals.
    • richardc1983
    • By richardc1983 1st Jun 17, 11:14 PM
    • 1,880 Posts
    • 1,002 Thanks
    richardc1983
    You wrote 'withdraw or spend' - they are two different things, treated differently. Interest free period for spending, not for withdrawals.
    Originally posted by eDicky
    So as long as make a payment for the cash withdrawn the same day this will avoid any interest. I do this on my creation card and never had any interest.
    If you found my post helpful, please remember to press the THANKS button! --->
    • MiraculousM
    • By MiraculousM 13th Jun 17, 9:19 AM
    • 233 Posts
    • 47 Thanks
    MiraculousM
    How come the creation card has been taken off the MSE article?
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