Credit card for booking foreign hotel

pixiepoo

Hi
I am soon booking my holiday to Thailand (doing it DIY as much cheaper) I will be using a credit card to book the accommodation. We go in November but I am booking accommodation now to get early bird deals, however that means I need to pay for them now. When I go on booking.com, Agoda, Expedia etc it says that my credit card will be charged in local currency (Baht).
My credit card has 0% on purchases for two years so I’m hoping to use this and effectively pay off the accommodation costs in instalments throughout the year. Even though this is a foreign purchase will it still be classed as a 0% purchase?? (I know I will be charged circa 3% for exchange fees but happy with this).
Nearer the time I will look into an overseas 0% credit card to cover our day spending while we are over there, but from my little research you need to pay off the full amount on these.
Just want to double check in case I make a stupid mistake! I would hate to make a rookie error and end up being charged interest on it every month that it isn’t paid off.
Thanks for your help in advance!!
J

grumbler

pixiepoo wrote: »

My credit card has 0% on purchases for two years so I’m hoping to use this and effectively pay off the accommodation costs in instalments throughout the year. Even though this is a foreign purchase will it still be classed as a 0% purchase?? (I know I will be charged circa 3% for exchange fees but happy with this).

Yes.............

pixiepoo

I know it was probably a stupid question!

Thought I'd check as it wouldn't surprise me if there was some hidden term I didn't know about if its foreign etc.

Thanks for such a quick response

bargainbetty

May I suggest you contact the card provider and ask them? It would give a much more accurate answer than asking people who do not know what card you have or the terms of your agreement.


Best of luck

grumbler

There is no anything to ask.
Clearly it's a purchase, not a cash transaction. The fact that it's foreign doesn't make any difference.

Re "asking the provider", there are many examples here that very often the CS don't have a clue and give incorrect answers. If you really need the most "accurate" answer, the best way to get it is to check the T&C.

PeacefulWaters

bargainbetty wrote: »

May I suggest you contact the card provider and ask them? It would give a much more accurate answer than asking people who do not know what card you have or the terms of your agreement.


Best of luck

Shall we close down the forum now?

While there are some situations where talking to the card issuer might be the only solution, this certainly isn't one of them.