Nationwide Gold Card abroad?...

james3333

Hi all,
thinking of applying for a '9 month Nationwide Gold Card' coz iam off on holiday and will be purchasing both the holiday itself and hoping to put all meals and beers etc on this card.
can i do this without incuring any fees?

thanks.

lisyloo

There is no charge for purchases.

However you need to check with your holiday company whether they apply a fee for using a credit card.

tom188

Good point.

Many travel firms levy a 2-3% charge on credit card payments, owing to the extra protection (for the consumer) offered.

james3333

no probs, 2-3% is worth it to keep my savings intact and have simple monthly DD's.

cheers chaps!

much appretiated:money:

james3333

whats the difference between the 'classic card' and the 'gold card'?
anyone know?
seems to be just the APR % after the 9 months, correct?

lisyloo

You haven't said where you are going but in some countries plastic is not widely accepted in restaurants.
If you say where youa re going then people might be able to help.

Also I would advise calling the CC company before you go and ask them to note that you are going on holiday and where you are going. It might stop them cancelling the card when they see unusual activity.

If you take cash out with your credit card you'll be charged interest.
I don't know about Nationwide but most companies will use payments to reduce the 0% borrowing first before reducing the part of the balance on which you are being charged interest.
If you are planning on taking cash out then make sure you study their rules about this.

The best alternative is to put cash in a Nationwide current account and use their debit card. There are no charges for this.

Also do not use Dynamic currency conversion.
This is where the shop or ATM convert local currency to £s (but charge you a commission in the rate).
Let them charge you in local currency and let Nationwide do the conversion for free.

Hope tht all helps.

james3333

lisyloo wrote:

You haven't said where you are going but in some countries plastic is not widely accepted in restaurants.
If you say where youa re going then people might be able to help.

Also I would advise calling the CC company before you go and ask them to note that you are going on holiday and where you are going. It might stop them cancelling the card when they see unusual activity.

If you take cash out with your credit card you'll be charged interest.
I don't know about Nationwide but most companies will use payments to reduce the 0% borrowing first before reducing the part of the balance on which you are being charged interest.
If you are planning on taking cash out then make sure you study their rules about this.

The best alternative is to put cash in a Nationwide current account and use their debit card. There are no charges for this.

Also do not use Dynamic currency conversion.
This is where the shop or ATM convert local currency to £s (but charge you a commission in the rate).
Let them charge you in local currency and let Nationwide do the conversion for free.

Hope tht all helps.

BLIMMEY!
CHEERS, WILL HAVE TO BEAR ALL THIS IN MIND

FYI iam going on a 2 week cruise round the carribean all inclusive (but alcohol needs to be paid for ) and any resteraunts on each island we visit. THIS CARD WILL MAINLY BE USED ON THE CRUISE LINER , i will use my current account card for all other stuff or take cash with me.

lisyloo

If you are going on a cruise then definitely tell the credit card company before you go if you are using it on shore.
They have computer systems to pick up unusual activiy and if they see your card being used in 6 different countries then that's exactly the kind of thing that might make them think it's stolen.

I don't know about every cruise line but on most of them they give you a plastic card and an account and simply put things on your tab and then pay it by credit card at the end.

and any resteraunts on each island we visit

If they are small islands or you are close by then it might be worth going back to the ship to eat. After all it's included.

james3333

lisyloo wrote:

If they are small islands or you are close by then it might be worth going back to the ship to eat. After all it's included.

yeh, that was the plan really, but if we see a really nice resteraunt, one or two meals out wont hurt.
thanks for all you advice and help. much appretiated.:money:

bankersmug

lisyloo wrote:

If you are going on a cruise then definitely tell the credit card company before you go if you are using it on shore.
They have computer systems to pick up unusual activiy and if they see your card being used in 6 different countries then that's exactly the kind of thing that might make them think it's stolen.

I don't know about every cruise line but on most of them they give you a plastic card and an account and simply put things on your tab and then pay it by credit card at the end.



If they are small islands or you are close by then it might be worth going back to the ship to eat. After all it's included.

As someone who worked on Cruise ships, I can confirm you do not need to carry cash or credit cards around the ship. Passengers are issued with swipe cards which are used to swipe you on and off the pitch and to pay for purchases on the ship. You then settle your account with the purser - that's when you'll need usual payment methods.

When going ashore, I did something like 20 countries in 2 months and around 40 cities, and not once did Lloyds TSB contact me or tamper with my account. Was a debit card though - perhaps the rules are different.