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  • FIRST POST
    • doire
    • By doire 18th May 17, 11:44 AM
    • 2,174Posts
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    doire
    0 WOW
    Halifax Let Me Down
    • #1
    • 18th May 17, 11:44 AM
    0 WOW
    Halifax Let Me Down 18th May 17 at 11:44 AM
    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


Page 1
    • DownTime
    • By DownTime 18th May 17, 11:57 AM
    • 41 Posts
    • 20 Thanks
    DownTime
    • #2
    • 18th May 17, 11:57 AM
    • #2
    • 18th May 17, 11:57 AM
    You could try Creation Everyday or Santander Zero.
    Which countries?
    • doire
    • By doire 18th May 17, 11:58 AM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    • #3
    • 18th May 17, 11:58 AM
    • #3
    • 18th May 17, 11:58 AM
    I will be in the US


    • benjus
    • By benjus 18th May 17, 12:22 PM
    • 4,988 Posts
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    benjus
    • #4
    • 18th May 17, 12:22 PM
    • #4
    • 18th May 17, 12:22 PM
    You could try Creation Everyday or Santander Zero.
    Which countries?
    Originally posted by DownTime
    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).
    Last edited by benjus; 18-05-2017 at 2:23 PM. Reason: Removed incorrect information about Santander Zero card
    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
    • By DownTime 18th May 17, 12:28 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    • #5
    • 18th May 17, 12:28 PM
    • #5
    • 18th May 17, 12:28 PM
    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).
    Originally posted by benjus

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

    Keep up
    • DownTime
    • By DownTime 18th May 17, 12:31 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    • #6
    • 18th May 17, 12:31 PM
    • #6
    • 18th May 17, 12:31 PM
    I will be in the US
    Originally posted by doire
    http://
    moneysavingexpert.com/credit-cards/prepaid-travel-cards#monzo
    • doire
    • By doire 18th May 17, 12:46 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    • #7
    • 18th May 17, 12:46 PM
    • #7
    • 18th May 17, 12:46 PM
    You could try Creation Everyday or Santander Zero.
    Which countries?
    Originally posted by DownTime
    Contacted both but they said the card wouldnt be here on time unfortunately


    • doire
    • By doire 18th May 17, 12:48 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    • #8
    • 18th May 17, 12:48 PM
    • #8
    • 18th May 17, 12:48 PM
    Anyone tried the Thompson pre paid card? I know the rate isnt the highest but there are no fees or charges


    • DownTime
    • By DownTime 18th May 17, 12:50 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    • #9
    • 18th May 17, 12:50 PM
    • #9
    • 18th May 17, 12:50 PM
    Contacted both but they said the card wouldnt be here on time unfortunately
    Originally posted by doire
    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
    • By doire 18th May 17, 12:55 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    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).
    Originally posted by DownTime
    I'll just go with the pre paid card from Thompsons. Hotel is already paid for (through Thompsons)
    Thanks for your help


    • DownTime
    • By DownTime 18th May 17, 1:31 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    I'll just go with the pre paid card from Thompsons. Hotel is already paid for (through Thompsons)
    Thanks for your help
    Originally posted by doire
    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.
    • eDicky
    • By eDicky 18th May 17, 1:54 PM
    • 2,851 Posts
    • 1,243 Thanks
    eDicky
    http://
    moneysavingexpert.com/credit-cards/prepaid-travel-cards#monzo
    Originally posted by DownTime
    This is your solution (Monzo), card will arrive a day or two after sign up and £100 load on the app, MasterCard rate, no fees, instant loading by debit card as needed. FORGET the Thomson card. Take your normal cards as backup.
    • doire
    • By doire 18th May 17, 2:10 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    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.
    Originally posted by DownTime
    Considering we are taking £700 each for 6 nights that is a loss of $21 each if we spend the lot.

    The US$3 I will have to live with as my debit card is my only other option.


    • PeacefulWaters
    • By PeacefulWaters 18th May 17, 2:10 PM
    • 6,993 Posts
    • 8,601 Thanks
    PeacefulWaters
    Anyone tried the Thompson pre paid card? I know the rate isnt the highest but there are no fees or charges
    Originally posted by doire
    It's mediocre on a good day.

    I wouldn't touch it with a bargepole because of the hidden costs in the exchange rate.
    • doire
    • By doire 18th May 17, 2:13 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    This is your solution (Monzo), card will arrive a day or two after sign up and £100 load on the app, MasterCard rate, no fees, instant loading by debit card as needed. FORGET the Thomson card. Take your normal cards as backup.
    Originally posted by eDicky
    Looks all app based though. Im on pay as you go with 02 and they offer nothing for customers on PAYG in the US


    • benjus
    • By benjus 18th May 17, 2:24 PM
    • 4,988 Posts
    • 3,055 Thanks
    benjus
    http://
    santander.co.uk/uk/credit-cards/zero-credit-card

    Keep up
    Originally posted by DownTime
    Oops, sorry. I've edited my previous post.
    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
    • By DownTime 18th May 17, 6:03 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    Looks all app based though. Im on pay as you go with 02 and they offer nothing for customers on PAYG in the US
    Originally posted by doire
    You don't need to be connected every second. The card is not App based. You can use it as and when. The APP can be used for checking transactions etc. That can be done via WiFi when you have a connection.

    If your phone is unlocked, pop a 3 Data Reward SIM within. That will get you connected in the USA. Alternative: http://www.argos.co.uk/product/5858374 £4.99

    I can't imagine that your debit card is worse than the Thomson card, unless it is one of the Cards From Hell.

    Get the Monzo immediately, as advised.
    • DownTime
    • By DownTime 18th May 17, 6:11 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    Considering we are taking £700 each for 6 nights that is a loss of $21 each if we spend the lot.

    The US$3 I will have to live with as my debit card is my only other option.
    Originally posted by doire
    How do you imagine that you can "spend the lot" when you will be faced with US$3 ATM withdrawal charges and possible ATM charges from the machines you utilise? Perhaps if you can get someone in the USA to accept anything remaining as part payment, you will be hard pushed and likely to have an amount left ofnthe card, sitting there, uselessly.

    Don't be so defeatist that you allow yourself to settle for such a poor 'solution'. It's a horrible choice.

    Which debit card do you hold?
    • doire
    • By doire 18th May 17, 8:34 PM
    • 2,174 Posts
    • 4,498 Thanks
    doire
    How do you imagine that you can "spend the lot" when you will be faced with US$3 ATM withdrawal charges and possible ATM charges from the machines you utilise? Perhaps if you can get someone in the USA to accept anything remaining as part payment, you will be hard pushed and likely to have an amount left ofnthe card, sitting there, uselessly.

    Don't be so defeatist that you allow yourself to settle for such a poor 'solution'. It's a horrible choice.

    Which debit card do you hold?
    Originally posted by DownTime
    Its not defeatist its realistic that I've 7 days to sort a card.
    Debit card is a Nationwide Flex account

    Charges are here

    http://www.nationwide.co.uk/support/travel/fees-charges#xtab:foreignCash

    http://www.nationwide.co.uk/support/travel/fees-charges#xtab:foreignPurchases


    • DownTime
    • By DownTime 18th May 17, 9:58 PM
    • 41 Posts
    • 20 Thanks
    DownTime
    Its not defeatist its realistic that I've 7 days to sort a card.
    Debit card is a Nationwide Flex account

    Charges are here

    http://www.nationwide.co.uk/support/travel/fees-charges#xtab:foreignCash

    http://www.nationwide.co.uk/support/travel/fees-charges#xtab:foreignPurchases
    Originally posted by doire
    You'll already been informed that the Monzo card should be delivered in time.

    Anyway, the Nationwide debit card is much better than the Thomson card.

    Simply put Thomson; 3% off the exchange rate and US$3 per ATM withdrawal.
    Flex; 2% and US$1.30 per ATM withdrawal....and no left over US$ funds you can't utilise.

    So you are better of doing nothing than obtaining the Thomson card.
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