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123 Charge for foreign currency
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WillPS said:Brie said:M&S did in the past not charge interest on foreign currency purchases as they classed them as a purchase rather than cash advance.
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username said:WillPS said:Brie said:M&S did in the past not charge interest on foreign currency purchases as they classed them as a purchase rather than cash advance.At an instore bureau M&S credit card holders can get a slightly better rate buying foreign currency than settling with cash or other card - and it was not classed as a cash advance.Don't recall having to use a separate card machine though - but I wasn't paying much attention.
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username said:WillPS said:Brie said:M&S did in the past not charge interest on foreign currency purchases as they classed them as a purchase rather than cash advance.0
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WillPS said:username said:WillPS said:Brie said:M&S did in the past not charge interest on foreign currency purchases as they classed them as a purchase rather than cash advance.0
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Gerry1 said:grumbler said:NoodleDoodleMan said:Years ago I had a Sainsbury's Gold credit card - no fees on withdrawing currency, including the UK, which I suspect would be unique ?HX Clarity doesn't charge fees for cash. It does charge interest.Barclaycard Rewards doesn't charge fees. Not sure about the interest. I remember there was some Barclaycard that didn't charge interest on cash abroad.
Yup, Barclaycard Rewards is the one to have. No fee and no interest on overseas cash withdrawals so you can use it for everything and just let the DD take care of it all.0 -
Wow, that’s interesting. I’ve got a Virgin Atlantic Reward credit card and when I exchanged pounds into euros at John Lewis Travel Money in the UK and also topping up my Post Office Travel Card, they didn’t charge me anything.0
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Marchitiello said:Gerry1 said: isgrumbler said:NoodleDoodleMan said:Years ago I had a Sainsbury's Gold credit card - no fees on withdrawing currency, including the UK, which I suspect would be unique ?HX Clarity doesn't charge fees for cash. It does charge interest.Barclaycard Rewards doesn't charge fees. Not sure about the interest. I remember there was some Barclaycard that didn't charge interest on cash abroad.
Yup, Barclaycard Rewards is the one to have. No fee and no interest on overseas cash withdrawals so you can use it for everything and just let the DD take care of it all.@Marchitiello Fortunately I shan't be taking out a mortgage or loan so it doesn't bother me, (although I do have a Chase debit card to avoid local ATM fees in the USA).However, it's quite an indictment of the credit rating system if they can't distinguish between occasional cash withdrawals at overseas airports, stations and ferry terminals as opposed to 'payday loan' UK cash advances towards the end of every month.0 -
Gerry1 said:Marchitiello said:Gerry1 said: isgrumbler said:NoodleDoodleMan said:Years ago I had a Sainsbury's Gold credit card - no fees on withdrawing currency, including the UK, which I suspect would be unique ?HX Clarity doesn't charge fees for cash. It does charge interest.Barclaycard Rewards doesn't charge fees. Not sure about the interest. I remember there was some Barclaycard that didn't charge interest on cash abroad.
Yup, Barclaycard Rewards is the one to have. No fee and no interest on overseas cash withdrawals so you can use it for everything and just let the DD take care of it all.@Marchitiello Fortunately I shan't be taking out a mortgage or loan so it doesn't bother me, (although I do have a Chase debit card to avoid local ATM fees in the USA).However, it's quite an indictment of the credit rating system if they can't distinguish between occasional cash withdrawals at overseas airports, stations and ferry terminals as opposed to 'payday loan' UK cash advances towards the end of every month.
if you have a Chase card already, I simply see no point of using a credit card at an ATM abroad, in US or otherwise
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I've only recently joined Chase, so Clarity will probably just be used occasionally to keep it available as a backup.But Barclaycard Rewards will still useful because all overseas use can go on one card and there's no need to have to keep checking the balance. (My BCC credit limit is much higher than the 'float' I keep with Chase.)Chase will be useful in the USA because their ATMs are notorious for charging non-customers, sometimes even for balance enquiries, and not making it clear whether the fees apply to non-US cardholders.I object to CRAs drawing adverse wrong conclusions about my credit worthiness when they have no valid evidence to do so.0
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Gerry1 said:I object to CRAs drawing adverse wrong conclusions about my credit worthiness when they have no valid evidence to do so.0
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