We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Just to double check

Options
Sncjw
Sncjw Posts: 3,562 Forumite
Part of the Furniture 1,000 Posts Photogenic Name Dropper
What would be the best option for us for going abroad?

So we are are going abroad soon to Zante. I just want to know what's the best option for us. I have a barclaycard credit card with 4125 quid balance via a money transfer. The money transfer is 0 percent for a year as long as we pay the minimum. I have 874 quid left on it to use. But I don't think we will spend anywhere as much as that. 

I also have the clarity card with nothing on at the moment with a 3k limit and again unlikely to spend that much. We are likely to use the card on a meal out when we visit Zante town and also for gifts and such like and maybe an exercion if they accept cards. We are planning to take about 300 quid in cash just in case small vendors don't take cards. Also for taxi. 

So what would be the best option for us. 
Mortgage free wannabe 

Actual mortgage stating amount £75,150

Overpayment paused to pay off cc 

Starting balance £66,565.45

Current balance £58,108

Cc around 8k. 

Comments

  • Gandalf644
    Gandalf644 Posts: 123 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 21 April 2024 at 10:48AM
    Sncjw said:
    What would be the best option for us for going abroad?

    So we are are going abroad soon to Zante. I just want to know what's the best option for us. I have a barclaycard credit card with 4125 quid balance via a money transfer. The money transfer is 0 percent for a year as long as we pay the minimum. I have 874 quid left on it to use. But I don't think we will spend anywhere as much as that. 

    I also have the clarity card with nothing on at the moment with a 3k limit and again unlikely to spend that much. We are likely to use the card on a meal out when we visit Zante town and also for gifts and such like and maybe an exercion if they accept cards. We are planning to take about 300 quid in cash just in case small vendors don't take cards. Also for taxi. 

    So what would be the best option for us. 

    Sounds like the Halifax Clarity is the one to use as no overseas transaction fees are payable.
    Just remember to always pay in the local currency to get the official Mastercard/Visa exchange rate.

  • Sncjw
    Sncjw Posts: 3,562 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Is there any charges if I pay the statement off when I get it 
    Mortgage free wannabe 

    Actual mortgage stating amount £75,150

    Overpayment paused to pay off cc 

    Starting balance £66,565.45

    Current balance £58,108

    Cc around 8k. 

  • Gandalf644
    Gandalf644 Posts: 123 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    Sncjw said:
    Is there any charges if I pay the statement off when I get it 

    If you completely clear the balance by the due date, no interest or other charges should be due.
  • Sncjw
    Sncjw Posts: 3,562 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thank you 
    Mortgage free wannabe 

    Actual mortgage stating amount £75,150

    Overpayment paused to pay off cc 

    Starting balance £66,565.45

    Current balance £58,108

    Cc around 8k. 

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.