Santander Zero Credit Card Questions

vienly

Average balance over 2 weeks would be £1000 if not paid of instantly, but worst case scenario would be £1000. Is the calculation not right?

27p a day? (I just used an online calc)

YorkshireBoy

vienly wrote: »

Average balance over 2 weeks would be £1000

How could it be? You can't get £1,000 on day one!

I'll try again..,you take £250 on day one. You take another £250 on day four. And another £250 on day eight. And the last £250 on day eleven.

Now what's the average balance on the account over the 14 days?

You shouldn't need an "online calc" for that!

vienly

Ah ok I see what you mean, take it when I need it, lol cheers!

chattychappy

No problems in Hong Kong. I'm in Hong Kong now. Most "normal" machines I have tried don't charge.

This time, on arrival, I used a "citibank" machine in the arrivals hall.

Whatever card/machine you use, no getting away from a relatively miserable exchange rate at the moment: £1=HK$11. I've had a few mediocre meals recently which cost me more than they would in London.

vienly

hi sorry to bump this, but just wanted to check something.

so im in hong kong now and made a purchase from uniqlo with my halifax clarity card and it doesnt add up. Something is wrong here.

uniqlo purchase $1341.50 hk dollars
halifax charged £127.71
excange rate $10.5 to the pound?

now that cant be right as its been $11 minimum today, even $11.18 right now. Withdrawing cash i get the correct rate, but purchases seems to be worse??

i paid my hotel bill using my santander card and that seems to be right, is there and issue with the clarity card or uniqlo? i asked for everything to be done in hk dollars and get receipts in hk dollars

fifeken

When you expand the transaction on your on-line account, does it show a cost in HKD, or is there only the amount in GBP?

If the latter then you have been hit with DCC. You should be able to get this fixed, but have a look at the post I made a few minutes ago detailing my experience trying to do that yesterday.

chattychappy

Yes, you beat me to it. Sadly DCC is alive and well in Hong Kong. Having seen the price in HKD, the terminal will often offer you a price in GBP.

You should get a choice (and then choose HKD). Consider disputing the transaction to the extent of the difference - it seems you have the required evidence that you did everything right (you do still have the uniqlo receipt showing HKD?)

Take a look at this thread:
https://forums.moneysavingexpert.com/discussion/5448141

vienly

yes i have the receipts all showing hkd, will have to call them up again once the payment has been processed. its more about principles than the £5 difference

thanks

vienly

guy thanks for all the help, it looks like i eagerly jumped the gun as the pending amount was higher than the actual statement amount owed. so it looks like i was charged at the correct amount. lesson learnt!