Does using a credit card abroad have a negative impact on your credit score?

sausage_time

Desmond_Hume said:

NoodleDoodleMan said:

Desmond_Hume said:

NoodleDoodleMan said:

Experian score has been consistently 999, in fact if memory serves it once reached 1000......I think.

I wouldn't put too much credence on what "somebody" said !!!

Said without a hint of irony. 

The irony of using credit cards with attractive no FX fees as travel benefits subsequently having a negative impact on the holder's credit status ?

Nope. I was quite specific about the section of the post I quoted. 

I believe it was the irony of somebody saying this was putting too much credence on what somebody said.  

Made me smile.     

NoodleDoodleMan

Desmond_Hume said:

NoodleDoodleMan said:

Desmond_Hume said:

NoodleDoodleMan said:

Experian score has been consistently 999, in fact if memory serves it once reached 1000......I think.

I wouldn't put too much credence on what "somebody" said !!!

Said without a hint of irony. 

The irony of using credit cards with attractive no FX fees as travel benefits subsequently having a negative impact on the holder's credit status ?

Nope. I was quite specific about the section of the post I quoted. 

I'm quite specifically confused.

Please explain the irony for a dumbo like me.

born_again

TBH. The answer was in the 1st reply.

Credit Score is meaning less to anyone other than the CRA's.

NoodleDoodleMan

sausage_time said:

Desmond_Hume said:

NoodleDoodleMan said:

Desmond_Hume said:

NoodleDoodleMan said:

Experian score has been consistently 999, in fact if memory serves it once reached 1000......I think.

I wouldn't put too much credence on what "somebody" said !!!

Said without a hint of irony. 

The irony of using credit cards with attractive no FX fees as travel benefits subsequently having a negative impact on the holder's credit status ?

Nope. I was quite specific about the section of the post I quoted. 

I believe it was the irony of somebody saying this was putting too much credence on what somebody said.  

Made me smile.     

What's ironical about that ?

Am I missing something that should be obvious ?

Desmond_Hume

NoodleDoodleMan said:

sausage_time said:

Desmond_Hume said:

NoodleDoodleMan said:

Desmond_Hume said:

NoodleDoodleMan said:

Experian score has been consistently 999, in fact if memory serves it once reached 1000......I think.

I wouldn't put too much credence on what "somebody" said !!!

Said without a hint of irony. 

The irony of using credit cards with attractive no FX fees as travel benefits subsequently having a negative impact on the holder's credit status ?

Nope. I was quite specific about the section of the post I quoted. 

I believe it was the irony of somebody saying this was putting too much credence on what somebody said.  

Made me smile.     

What's ironical about that ?

Am I missing something that should be obvious ?

Your post said to the OP to largely ignore what somebody had told them as it wasn't true. You then made your own statement about credit scores. Which in itself, isn't true and should not be given credence.

The irony was you dismissing false information then immediately supplying your own. 

I hope that finally clears it up. 

NoodleDoodleMan

I made no judgemental statement on credit scores from Experian, one way or the other.

Then suggested that "somebody" opinions should be disregarded.

Not clear on how there is any linkage for comparison.

Marchitiello

FlyingDealsUpUpAndAway said:

…. However, I was told by someone, or heard it somewhere (honestly can't remember) that using a credit card abroad can negatively impact your credit score. …

I am pretty sure that your confusion comes from the general wisdom that some of the historical great Forex Fee Free Credit Cards like the Halifax Clarity, Santander Zero, Barclaycard Rewards and few others could be used to also withdraw money at ATM abroad and if immediately paying back those amounts, it would offered a cheaper way to access Foreign currency Cash with minimal actual cost.

But using a Credit Card to withdraw cash at ATMs (home or abroad) is indeed reported to credit agency and not seen favourable by lenders.

We now have several UK current accounts options to access foreign currency for free and at good exchange rates, my favourite being Chase in most case, but there is also HSBC Global Money, some Santander UK accounts at Santander ATM worldwide, Starling, Monzo etc., that the old recommendation of using a travel Credit Card for ATM withdrawals make really no sense. 

NoodleDoodleMan

"some Santander UK accounts at Santander ATM worldwide,"

It's not quite as straightforward as that unfortunately.

Standalone ATMs with the Santander logo in Spain and the Canaries are not fee free for Santander UK cards - only fully branded ATMs located at Banco Santander branches, all have an external machine(s), some have internal holes in the wall.

Not sure how it works in the other countries which are flagged up as having "user friendly" Santander ATMs.

Marchitiello

NoodleDoodleMan said:

"some Santander UK accounts at Santander ATM worldwide,"

It's not quite as straightforward as that unfortunately.

Standalone ATMs with the Santander logo in Spain and the Canaries are not fee free for Santander UK cards - only fully branded ATMs located at Banco Santander branches, all have an external machine(s), some have internal holes in the wall.

Not sure how it works in the other countries which are flagged up as having "user friendly" Santander ATMs.

The only ATMs that I know of that did not work were the one that Santander acquired in Spain by acquiring another bank (branding changed but not back of the house system), and even then, if raised through a complaint, Santander UK is known to refund the fees, but thanks for the hint, I will investigate this further. Personally I have used Santander ATM in Spain, Portugal, USA East Coast, Mexico and Argentina always for free - both no ATM charges by the local Santander and no forex fee by Santander UK  (albeit I am pretty sure that somehow my card was cloned at a Santander ATM inside amEX airport which later was used for some scam - all money recovered).