New card - Abbey Zero

Hi all! Looking for some advice.......

I have a new Abbey zero card which has a £1000 limit. We are going to NY and were planning on taking that for 'emergencies'. We have £1000 spending money and are trying to work out the best thing to do with that.
My suggestion is to 'overpay' my zero card, ie to have a positive balance, because as far as I can see we wouldn't pay any charges at all until we used up the overpayment and actually started using the £1000 credit limit.
Clear as mud??

As I said, any advice gratefully received!

Thanks in advance

£3,000 on ours - any advance!

Clara381 wrote: »

Hi all! Looking for some advice.......

I have a new Abbey zero card which has a £1000 limit. We are going to NY and were planning on taking that for 'emergencies'. We have £1000 spending money and are trying to work out the best thing to do with that.
My suggestion is to 'overpay' my zero card, ie to have a positive balance, because as far as I can see we wouldn't pay any charges at all until we used up the overpayment and actually started using the £1000 credit limit.
Clear as mud??

As I said, any advice gratefully received!

Thanks in advance

i took a combination of credit cards, cash and travellers cheques (us dollars) whilst i was out there last year, travellers cheques were great there as i know they are a bit dated, however i never once had a problem using them in shops (they take them as cash in most shops, and just had to show id) its safer than cash and you are guarenteed to get it back if they are stolen (as amex proved with mine i took to australia, had i not had travellers cheques in oz i would have been completly stranded as all my cash and my credit card was stolen, i had travellers cheques the day after they were stolen, cc company would not send card to me and you cant replace cash! i would never go away now without them)

i would suggest you take credit card for emergencies and with your cash buy a certain amount of us$ travellers cheques, ie perhaps £400 worth of cash and £600 worth of dollars, then its not all your eggs in one basket

also i would make sure before you leave, that you tell your card provider you are going there so they are aware

another good card is nationwide cc (no exchange fees etc for purchases) and if you have the debit card, no fee on withdrawals or perchases

On my Branch application I stated 2 x BT's totalling £9200 and got exactly that.

not_loaded wrote: »

Well, on my Santander Zero card application, which is six weeks old today, all I’ve got so far is a Change of Address form when I haven’t changed my address for 33 years, and last Friday a How To Complain leaflet when I’ve already complained in writing several times.

This is from a company that approached me for this guaranteed pre-approved application for existing valued customers.

The cost to me so far is about £70 depending on whether they ever process my application.

I can only assume I’m not a bad enough risk for them to bother doing the paperwork…

Having read through the thread again, I would simply say - give up, and go elsewhere. It is not worth the time, effort or frustration to persue the matter as you are doing. Sorry if that is not what you want to hear.