Saga or Halifax Clarity?

zagfles

NiftyDigits wrote: »

You get the PIN and an online account set up at the same time.
Why would cash be risky? The have ATMs in branch. Where are you? In the '70s?

Most accounts have a daily cash withdrawal limit of £300-500 or so. Plus most ATMs have their own limits.

Obessive? You mean rushing to cover your Clarity spends so that you can save on interest. Funny

I don't. I wait till I get back, usually pay about £2-3 or so in interest on a 3 week holiday. Less on a shorter one. It'd probably cost the OP more than that messing around finding a Metrobank branch on the day he's off on holiday. Your plan is crackers.

Still, it's better than recommending the Globe card I suppose.

NiftyDigits

zagfles wrote: »

Most accounts have a daily cash withdrawal limit of £300-500 or so. Plus most ATMs have their own limits.

I don't. I wait till I get back, usually pay about £2-3 or so in interest on a 3 week holiday. Less on a shorter one. It'd probably cost the OP more than that messing around finding a Metrobank branch on the day he's off on holiday. Your plan is crackers.

Still, it's better than recommending the Globe card I suppose.

Daft were your dopey questions.

Do they give you the PIN on the day too? How would the OP get his money transferred into the new account? Cheque maybe, but wouldn't be able to withdraw it for a few days. Cash? Bit risky. Faster payments transfer, he'd have to log into his other account from somewhere.

Seems as if you live behind your keyboard rather than having any actual experience.
Never mind, I'm happy to try to educate you.

Again, I didn't suggest that the Metro bank card should be the only card that he holds. Flexaccount debit is no good anymore and the Metro bank debit is the perfect replacement.

If he is going to be in the vicinity of a branch, there would be an opportunity to get one.

I give the info and people can decide for themselves.

Seems that you prefer to jump on the assumption wagon with the other numbskull. Birds of a feather, eh?

So, for travelling I would have a least one fee free debit card and at least one fee free credit card.

As it happens I have five fee free cards.

I use the debit cards for cash withdrawals and the credit cards for purchases.

So I pay precisely nothing(relatively) in fees.

More sensible to not depend on just one card, wouldn't you say?

Or do you prefer to just argue like that other dolt?

photome

I only started reading this thread because I have a clarity card at 12.9% which i pay off when i get home, it costs me a few pounds and is convenient.

I cannot believe the " I am right brigade " well mostly one very rude ignorant poster, on here.

Think i will head back to my normal thread

NiftyDigits

photome wrote: »

I only started reading this thread because I have a clarity card at 12.9% which i pay off when i get home, it costs me a few pounds and is convenient.

I cannot believe the " I am right brigade " well mostly one very rude ignorant poster, on here.

Think i will head back to my normal thread

Finished Trolling? Or were you simply boasting that you get 12.9% APR whereas some other may not?
Fail to see any other point to your post.

Not everyone wishes to apply for a credit card, especially when there are better alternatives.

Takes all sorts to make the world go around. We need the sheep too.

But best to provide full and accurate info to help with the decision.

Ignorance would imply a lack of knowledge....

zagfles

NiftyDigits wrote: »

Daft were your dopey questions.

Seems as if you live behind your keyboard rather than having any actual experience.

Oooh, got a bite! And an SA!

Never mind, I'm happy to try to educate you.

Why, thank you! You really are still the one!

Again, I didn't suggest that the Metro bank card should be the only card that he holds. Flexaccount debit is no good anymore and the Metro bank debit is the perfect replacement.

Well indeed it is, but perhaps you need to describe exactly how he'd fund this newly opened account straight away. Say he's going to takethis £2000 spending cash, how does he deposit it. Or what other card he should take.

I suppose, having opened the account, he could withdraw the max from an ATM and then write himself a cheque for the rest. But he's then have to wait for the cheque to clear, only having access to cash deposit in the meantime.

But come on now, it's a lot of messing around, even for you. And bear in mind the OPs attitude towards bankers. On the day he goes on holiday, you're suggesting he spend a significant part of the day inside a bank, surrounded by [spit] bankers?

If he is going to be in the vicinity of a branch, there would be an opportunity to get one.

I give the info and people can decide for themselves.

Seems that you prefer to jump on the assumption wagon with the other numbskull. Birds of a feather, eh?

So, for travelling I would have a least one fee free debit card and at least one fee free credit card.

As it happens I have five fee free cards.

Oooooooo [in a rising and falling tone]

I use the debit cards for cash withdrawals and the credit cards for purchases.

So I pay precisely nothing(relatively) in fees.

Nothing(relatively) ??? OK I guess you mean the very small MasterCard markup. Did I get that right? Ooh, did I??

More sensible to not depend on just one card, wouldn't you say?

Or do you prefer to just argue like that other idiot?

Actually yes. But only with you, it's such fun.

Would you recommend the Clarity then, as his "fee free" card for purchases then? Which can also be used for cash in a dire emergency, bearing in mind the excessive fee of 10p per day per £300 withdrawn?

I await your reply with anticipation.

NiftyDigits

I don't mind. I'm on holiday. Though it is way too hot here.

The debit card would be simply to have it, for this trip and the future.

Though if he has time to apply for the Clarity, he can apply for an N&P Gold account too.

As I wrote earlier, better to have a suitable debit card for cash withdrawals.

I happen to have all of the fee free credit cards. But use the debit card for cash withdrawals.

The rest of your post is the usual nonsense. Sorry, but I'm having more fun with someone else at the moment.

But if I find time later.....

zagfles

NiftyDigits wrote: »

I don't mind. I'm on holiday. Though it is way too hot here.

Ah, that would explain your rattyness. Heat has that effect on me too.

The debit card would be simply to have it, for this trip and the future.

Though if he has time to apply for the Clarity, he can apply for an N&P Gold account too.

Let's not get carried away. You're forgetting the OP doesn't like banks. It might put him in a bad mood, you know, like the heat does with you?

As I wrote earlier, better to have a suitable debit card for cash withdrawals.

I happen to have all of the fee free credit cards. But use the debit card for cash withdrawals.

The rest of your post is the usual nonsense. Sorry, but I'm having more fun with someone else at the moment.

Well she's certainly relaxed you, you seem much calmer than before. Only one "nonsense", that's good progress in such short time. Can you give me her number? How much does she charge? And more importantly, what's the best way to pay :rotfl:

But if I find time later.....

Can't wait!

jennifernil

NiftyDigits wrote: »

The Clarity is good....if you need to borrow money. A suitable debit card is better.

We don't need to borrow money, we just find the Clarity card works for us.

Being in Scotland, Metro Bank is out, we don't want the hassle of crediting x per month to qualify for N&P or others.

We used to use Nationwide debit card, but now Clarity CC is better for us.

Only relating our experience and giving our opinion.

bigadaj

Must be great on holiday with nifty digits. So exciting that you're permanently on an fairly dull Internet forum, party?

guesswho2000

NiftyDigits wrote: »

The Clarity is good....if you need to borrow money. A suitable debit card is better.

Disagree. Fair enough, you'll save some interest with the debit card (although if you FP the cash to your CC straight away, it's a non issue), however, three points -

1) if your card gets cloned etc. they have access to your actual cash, which they don't with a credit card - I certainly don't like the idea of using my debit card in the ATMs of some of the countries I've visited;

2) Section 75 protection on purchases (ok, it's unlikely to be required or applicable, but it's there);

3) interest free purchases until statement due date (again, a small benefit, but a benefit nonetheless).