best credit card for using in usa, abbey ?

mking007

Looking to goto usa next year, the Santander Zero Credit Card has zero fees on cash and purchases when aboard, seems ideal, then i read this on msn money page

"All credit cards start charging interest from the day a cash withdrawal is made so interest can't be avoided, even if you clear your balance in full each month."

If i load say £1000 into my abbey credit card account (if that is possible? I know its possible with egg money) so im in credit before i go on holidays. Im i correct in saying its impossible for me to get charged any intrested fees at all, as I'm already in credit ?

jamesperrett

How do you normally get cash in the UK?

I still use Nationwide debit card. Despite having added the Visa charges to their costs recently, it still seems a competitive way to obtain cash abroad.

Cheers

James.

YorkshireBoy

mking007 wrote: »

If i load say £1000 into my abbey credit card account (if that is possible? I know its possible with egg money)

It's possible, but would breach the T&Cs (which explicitly state you shouldn't/mustn't do it) and likely result in the card being blocked...with you 4,000 miles away from home!

mking007

debit card is £1.50 per shot with halifax i fouind out

Dick_Turpin99

FairFX all the way when it comes to cash.....very competitive, quick and easy to load the card, esp. if you use Maestro and avoid % from buying currency with Visa

poppy10_2

YorkshireBoy wrote: »

It's possible, but would breach the T&Cs (which explicitly state you shouldn't/mustn't do it) and likely result in the card being blocked...with you 4,000 miles away from home!

Why can't you do that? It seems to make financial sense to me. I often load up my Barclarcard before I go abroad to avoid interest on cash withdrawals.

NickX

poppy10 wrote: »

Why can't you do that? It seems to make financial sense to me. I often load up my Barclarcard before I go abroad to avoid interest on cash withdrawals.

Because Santander specifically state that the card should not be put into credit in their revised Terms and Conditions from October 2008.

mking007

are there any other credit cards that dont charge for cash advances at the atm to use in the usa ?

poppy10_2

NickX wrote: »

Because Santander specifically state that the card should not be put into credit in their revised Terms and Conditions from October 2008.

Would they really block you, though?