3.50GBP charge on a 10GBP cash withdrawal with Barclaycard

rb10

dresdendave wrote: »

I've never used a CC to withdraw cash but I assume the ATM procedure is the same as a debit card. So if you purely want to check your PIN, you would input your PIN to bring up the transaction option menu. Once the menu appears you know your PIN is correct. At that point select cancel and your card would be returned to you.

No - with many ATMs, when you put your card and PIN in, it will let you get to the menus even with the wrong PIN.

The point at which it will reject is when you actually try to get cash or a mini-statement.

The best way to check the PIN is to try it in a shop (just make sure you have another card on you in case it's wrong!)

YorkshireBoy

rb10 wrote: »

The best way to check the PIN is to try it in a shop (just make sure you have another card on you in case it's wrong!)

Or, if there are no shops nearby (;)) enter your PIN and select 'PIN services'.

If it lets you change the PIN, the previous one worked!

Then either keep the new one or change it back again.

'No purchase necessary'

guesswho2000

Or with a Barclaycard, put it in a Barclays cashpoint, then select the option to check your available credit.

archer7

Just so you know, it's probably a £3.50 fixed fee and you've just been caught out because it was only £10. It's not going to be 35% on everything

Your interest rate on cash advances will be higher than your purchase interest rate, and you will be paying interest from the day you take it out (instead of the usual month interest-free). You MUST read your card's terms and conditions - this is not crookery, it was clearly set out to you in a contract that you signed. Most of these documents are quite easy to read and they will tell you a lot. If you don't read it, you're likely to get caught out on something else later down the line (international transaction charges, gambling transactions being treated as cash advances etc.)