What kind of card can I withdraw cash ,no fee?

Tjinks

Hello
I'm looking to do up my garden...I was looking at 0 credit cards but realised I then cannot pay tradesmen as there's a fee to withdraw cash. Any ideas please? 

eskbanker

You'd need to use a debit card, or tradesmen that accept credit card payments....

DullGreyGuy

Tjinks said:

Hello
I'm looking to do up my garden...I was looking at 0 credit cards but realised I then cannot pay tradesmen as there's a fee to withdraw cash. Any ideas please? 

What are you really looking for? Cheap credit? S75 protection? 

A money transfer card would enable you to get a 0% transfer into your bank account (possibly a transaction fee) and then you pay the tradesman by cash/bank transfer etc. Works for the cheap credit (as long as you pay it off in time) but no S75 protection.

Ebe_Scrooge

Agree with the previous posters.  You can't withdraw cash on a credit card without incurring substantial fees and interest.  A money transfer card is the usual suggestion - though you will need to factor in the transfer fee, and you'll need to ensure it's paid off by the time the promotional rate expires.  And you won't get any S75 protection, if that's what you're looking for.

If the tradesman won't accept payment by credit card then your choices are somewhat limited - other than going the old-fashioned route of saving up before having the work done.

HillStreetBlues

Had you checked any credit cards you have for offers?

I can get a cash transfer from my Halifax CC to bank for 5.9%PA for 24 months with 0% fee.

DullGreyGuy

HillStreetBlues said:

I can get a cash transfer from my Halifax CC to bank for 5.9%PA for 24 months with 0% fee.

Which depends on how much the OPs wanting could be a good or poor rate... for £7.5k and above there are under 5% APRs out there for personal loans

HillStreetBlues

DullGreyGuy said:

HillStreetBlues said:

I can get a cash transfer from my Halifax CC to bank for 5.9%PA for 24 months with 0% fee.

Which depends on how much the OPs wanting could be a good or poor rate... for £7.5k and above there are under 5% APRs out there for personal loans

That's why I said need to check on the offer, could be a good offer, average  or bad one.

Tjinks

I only need to lend about 5k

elsien

Tjinks said:

I only need to lend  borrow about 5k

Have you looked at getting a loan instead? 

eskbanker

Tjinks said:

I only need to lend about 5k

Without sight of any of the rest of your financial circumstances, it's difficult to know what that translates into - how long would it take you to save that £5K, or to repay it if you borrowed it?

born_again

In true MSE style....
£5K seems a lot for a spade