Santander Zero Credit Card

chattychappy

the.weekender wrote: »

Guys, I have a Santander Zero C/C and also a Santander D/C.

When I go to Thailand on holiday, rather than use my D/C to withdraw cash from an ATM, would I be better withdrawing cash on my Zero card and then straight away transferring the money from my D/C account to pay off the Zero balance?
TIA

Yes, unless you have one of the very few debit cards that don''t charge nor load foreign transactions.

I wouldn't panic about doing the transfer immediately. A few days' interest isn't very much. If mixing purchases and ATM withdrawals, then best to pay off the entire balance - or at the very least any balance remaining from your previous statement plus the amount of the ATM withdrawal.

Still take your debit card/a second CC. Zero can get blocked sometimes.

Have a nice trip to Thailand, I'm quite envious. I'll be changing flights in Bangkok on Monday - probably for the 10th time this year and yet haven't managed to escape into the country for a few years. Quite frustrating.

NiftyDigits

the.weekender wrote: »

Guys, I have a Santander Zero C/C and also a Santander D/C.

When I go to Thailand on holiday, rather than use my D/C to withdraw cash from an ATM, would I be better withdrawing cash on my Zero card and then straight away transferring the money from my D/C account to pay off the Zero balance?
TIA

In addition to the reply above, don't forget the 150 baht charge from most ATMs. The alternative are AEON machines or over the counter in a bank.

the.weekender

Thanks chappy and nifty,in the good old days I used a Nationwide Flex and no charge from the Thais with my debit card, or maybe 15 baht, now it's a financial armageddon out there.

Some nice lounges at BKK where you can pay a few quid to enter even if flying economy.

Fortunately I do have a card or two to take with me, last February I had 5 missed calls from Santander, I eventually rang and someone was trying to get some money out of my account from Vietnam, the security from Santander worked this time and I cancelled the card with no loss to me, hence a Plan B and C.

chattychappy

the.weekender wrote: »

Thanks chappy and nifty,in the good old days I used a Nationwide Flex

Me too!

the.weekender wrote: »

Some nice lounges at BKK where you can pay a few quid to enter even if flying economy

Should you be flying EVA LHR-BKK or are otherwise in BKK, same time as me... I can get you into EVA's lounge at BKK or the AA lounge at LHR on my diamond card - no charge at all! PM me your dates. (NB for Weekender only...)

the.weekender wrote: »

Fortunately I do have a card or two to take with me, last February I had 5 missed calls from Santander, I eventually rang and someone was trying to get some money out of my account from Vietnam, the security from Santander worked this time and I cancelled the card with no loss to me, hence a Plan B and C.

Wasn't me I promise... but I am in VN alot, I own up to that much. Not been there for at least three weeks though...

dakkan

NiftyDigits wrote: »

You mean on your account, not everyone. So you mean both, not all?
Mine is still at 18.9%/27.9% on my latest statement. No notification as to otherwise.

Its for all... I have recently checked my statement it says :

Cash withdrawal - 34.9%
Balance trasfer - 34.9%
Purchases - 34.9%

:mad: but :rotfl: