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  • FIRST POST
    • Former MSE Sam M
    • By Former MSE Sam M 13th May 15, 4:43 PM
    • 238Posts
    • 159Thanks
    Former MSE Sam M
    0 WOW
    Travel credit cards
    • #1
    • 13th May 15, 4:43 PM
    0 WOW
    Travel credit cards 13th May 15 at 4:43 PM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks,
Page 15
    • ormolu
    • By ormolu 16th Apr 18, 6:09 PM
    • 10 Posts
    • 1 Thanks
    ormolu
    Looking to get a travel credit card as I'm going to be abroad for 2-3 months this summer in several countries, and would like some advice for my particular situation if anyone can advise.

    I don't have much credit history as I'm in my early 20s and have recently moved back to the UK after 5 years away. I'm worried that 2 hard credit searches in the past two months (I switched current account and got an Amex charge card, both per MSE recs), coupled with my thin file, will lessen my chances of getting a good travel credit card before I begin travelling in six weeks. I have a Revolut prepaid Visa, so not a disaster if I can't get one in time, but would like a backup Mastercard given capricious card machines and ATMs where I'm going.

    I am VERY anxious to avoid being declined credit. ClearScore gives me 'on good ground' and Experian puts me at the very top end of 'good', but I checked my eligibility for Creation and they told me I was ineligible. I'm told I don't have much of a shot with MSE's Barclay or Halifax recs. Would be grateful if people could share their thoughts on the below alternatives I've found from checking my eligibility on different sites:

    - Tandem (can't seem to find any eligibility info, but probably my preferred option right now)
    - B Credit (60-70%)
    - Aqua Advance (80%)
    - Virgin Travel Credit (95-100%).

    I'd very much like the option of cash withdrawal in case. I also want a card with a good app (and the ability to pay off immediately over the app), as I won't have my computer with me all the time and want to be able to keep track easily and pay off any cash transactions ASAP if necessary. Virgin, very irritatingly, don't have an app. Have read Tandem's had some issues but recent customers above seem very happy?

    Grateful for any input! Thanks.
    Last edited by ormolu; 16-04-2018 at 6:40 PM. Reason: clarity/additions
    • eDicky
    • By eDicky 17th Apr 18, 3:56 PM
    • 3,932 Posts
    • 2,081 Thanks
    eDicky
    Tandem
    A couple of things I have noticed about the Tandem card:

    When you want to pay off the amount of a cash withdrawal you have made, the payment goes first to the cash withdrawal, not to any purchases made even if they have already appeared on your statement. This is useful when making such payments to reduce daily interest accruing on withdrawals. With most other cards payments go towards already statemented purchases first, so it's easier with Tandem. This was explained and confirmed to me when I enquired via the in-app chat, although I'm unable to confirm it by personal experience (this month).

    Usually when a credit card is used to withdraw foreign currency from a MoneyCorp multicurrency ATM at a UK airport, selecting 'Without Conversion' to circumvent the imposition of MoneyCorp's own dreadful exchange rate, it is converted by the card and recognised as a foreign transaction without any cash advance fee (if it's a 'travel' card without overseas fees). But with Tandem this is not the case, the conversion is made at the MasterCard rate but the UK location of the ATM is recognised and a 'Cash Advance Fee' is imposed by Tandem. I discovered this when withdrawing $200 at Stansted recently - the fee of £3.54 appeared and was explained by CS as above, but they refunded it as a one-off goodwill gesture at my request.

    I think there was something else I also noticed, if I remember I'll add it later...

    ...Ah yes - when you make a transaction or withdrawal in a foreign currency a notification is given as usual and it is shown immediately in the app, but only as an amount in pounds. Don't despair that you may have been charged in pounds by mistake, a couple of days or so later when the transaction settles the final amount in both pounds and the local currency will be shown. Tandem differs again in this from most cards, where usually the provisional amount in both currencies is shown from the outset. The Tandem app doesn't display the exchange rate given, you have to calculate it yourself if needed.

    The app is not yet showing any improvement in the couple of months I've been using it - hopefully it will do so - perhaps they should poach a few decent app developers from Revolut..!
    Last edited by eDicky; 17-04-2018 at 7:33 PM.
    • eDicky
    • By eDicky 17th Apr 18, 4:23 PM
    • 3,932 Posts
    • 2,081 Thanks
    eDicky
    Looking to get a travel credit card

    - Tandem (can't seem to find any eligibility info, but probably my preferred option right now)
    - B Credit (60-70%)
    - Aqua Advance (80%)
    - Virgin Travel Credit (95-100%).

    I'd very much like the option of cash withdrawal in case. I also want a card with a good app
    Originally posted by ormolu
    You can pay off any credit card with your banking app, if set up as a payee in advance.

    No need to be so anxious about your credit file, it won't be trashed by another application. Go for the Tandem if that's what you want, or the Starling Bank account. If unsuccessful get the Loot prepaid account and MasterCard instead, or as a backup anyway, no credit check. It is equally fee-free except for £1 per ATM withdrawal after the first two free per month:

    https://loot.io/
    • ormolu
    • By ormolu 19th Apr 18, 4:49 PM
    • 10 Posts
    • 1 Thanks
    ormolu
    Thanks a lot for the advice! After further research, my Revolut card basically corresponds to Starling or Loot in terms of using it for cash withdrawals abroad, so will use that and get the Virgin for purchases (and backup) since it's 0% for a year.
    • EveryWhere
    • By EveryWhere 19th Apr 18, 8:02 PM
    • 1,032 Posts
    • 494 Thanks
    EveryWhere
    Thanks a lot for the advice! After further research, my Revolut card basically corresponds to Starling or Loot in terms of using it for cash withdrawals abroad, so will use that and get the Virgin for purchases (and backup) since it's 0% for a year.
    Originally posted by ormolu
    Did you do your research with blinkers on??

    Revolut;

    ATM Withdrawals up to £200 / Ä200 / 200USD / 200CHF / 800PLN / 1,500DKK / 2,000SEK / 2,000NOK / 800RON or currency equivalent per month are free. Anything over the above limits is charged at 2% of value of ATM Withdrawal
    https://www.revolut.com/th/fee-schedule

    https://www.starlingbank.com/travel/ has no such restriction.

    Pay closer attention to your finances.
    • AndygClyro
    • By AndygClyro 27th Apr 18, 6:15 PM
    • 1 Posts
    • 0 Thanks
    AndygClyro
    TANDEM credit card dreadful service
    New card arrived on wed 18th Apr phoned to activate
    Tried changing pin number - didn't work called again next morning Thu 19th to be told card hasn't been activated correctly
    Both occasions operators advised i would be using the card in Dublin the weekend after 2nd call I was able to change pin
    Arrive Dublin Fri night 7.45pm tried using card for car hire deposit TRANSACTION DECLINED
    Tried calling but customer service only Mon-Fri 8am-8pm no use if you have a problem on Friday evening as I did
    Luckily I had as alternative but more expensive card to use but no offer to reimburse these fees just an apology for not coming up to expectations
    Needless to say I have closed tje account without ever using it
    NOT RECOMMENDED
    • gwokka
    • By gwokka 2nd May 18, 8:59 AM
    • 25 Posts
    • 3 Thanks
    gwokka
    tandem
    I'm just wondering I pay money into my with tandem credit card account before travelling abroad then withdraw cash from an atm will I be charged interest?
    • jneilh
    • By jneilh 5th May 18, 12:08 PM
    • 1 Posts
    • 0 Thanks
    jneilh
    I have just applied for a Halifax Clarity card and was also wondering (see qwokka 2 May) about paying money into the account prior to using ATMs abroad. Would interest charges be eliminated? Any remaining balance can be simply used on return to uk. Does anyone know if card issuers would allow pre-loading?
    • Gloomendoom
    • By Gloomendoom 5th May 18, 2:29 PM
    • 15,150 Posts
    • 20,759 Thanks
    Gloomendoom
    I have just applied for a Halifax Clarity card and was also wondering (see qwokka 2 May) about paying money into the account prior to using ATMs abroad. Would interest charges be eliminated? Any remaining balance can be simply used on return to uk. Does anyone know if card issuers would allow pre-loading?
    Originally posted by jneilh
    No they don't. It is against the terms and conditions.

    If you pay off the interest as soon as possible it will be pennies, so why bother?

    Two of us spent a month in Australia using Clarity cards for cash and we paid less than a pound in interest.
    ďNever argue with stupid people, they will drag you down to their level and then beat you with experience.Ē - Mark Twain
    • gwokka
    • By gwokka 9th May 18, 5:41 PM
    • 25 Posts
    • 3 Thanks
    gwokka
    I've just read tandem t&C's and there is nothing in there that states I cant make an upfront payment
    • HotPotato
    • By HotPotato 9th May 18, 11:03 PM
    • 50 Posts
    • 19 Thanks
    HotPotato
    Just want to be clear here as someone thats been using (and raving about) Revolut, but is now getting massively frustrated with them:

    With the Starling card/account, I can take as much as I like out from ATMs abroad with no additional charge above a certain amount?

    One of the things I also like about Revolut is the ability to do international transfers at spot rate. Does Starling let you do that?
    • eDicky
    • By eDicky 10th May 18, 3:42 AM
    • 3,932 Posts
    • 2,081 Thanks
    eDicky
    One of the things I also like about Revolut is the ability to do international transfers at spot rate. Does Starling let you do that?
    Originally posted by HotPotato
    No, Starling is no use for cross currency transfers etc. Revolut was losing too much on unlimited ATM withdrawals so had to impose fee-free limits, as Starling may also find necessary in future.
    • HotPotato
    • By HotPotato 10th May 18, 3:19 PM
    • 50 Posts
    • 19 Thanks
    HotPotato
    as Starling may also find necessary in future.
    Originally posted by eDicky
    ok, but as of the moment, unlimited is no problem?

    I was using revolut a lot, but hit my top up limit twice, and am having trouble increasing it again. (your savings were taken into consideration once, and cannot be taken into account again)?!?!

    They emailed me back saying that usa will be added soon, but I think you're right, the rate on the transfer is very good, but the fee isn't fixed and becomes quite expensive if you want to send a lot of money abroad.
    • Paul McD
    • By Paul McD 30th May 18, 4:41 PM
    • 1 Posts
    • 0 Thanks
    Paul McD
    Tandem
    I took out the card 3 months ago and have used it on 2 trips abroad (both to Spain) as well as paying online in euros to book car hire. No problems at all. And the cashback is nice as well.

    I was a bit surprised to find that you can't manage the account online but the paper statements are clear, it's easy to manage using the app and I love the notifications on my phone very soon after making the transaction. This was especially true when in Menorca earlier this month I filled up the car with petrol. Although the first attempt at payment (cashless) was declined, the 2nd attempt (chip & pin) went through. Within the hour I got notifications of both the failed and successful attempts.

    On experience so far I would certainly recommend.
    • leej72
    • By leej72 6th Jun 18, 11:13 AM
    • 1 Posts
    • 0 Thanks
    leej72
    Starling Card abroad
    Hi everyone
    I recently got a starling card as I didn't want to pay loads of charges (as I had in the past) with my existing Halifax card and we had a planned trip to Canada and the States. It appealed to me because it said on the MSE site that there were no charges for spending and more importantly cash ATM withdrawals. My wfie however tested the card on a recent trip to NYC and she had to pay ATM charges everytime she withdrew cash. I thought this card didn't charge anything? I read on a forum that, the free fees don't apply to UK purchased cards. Is this true? I've also read that people are having problems paying with it at various places.

    Anyone know anything about this card? I may aswell use my other more reliable cards if this is the case and they charge!

    Cheers
    • eDicky
    • By eDicky 6th Jun 18, 11:43 AM
    • 3,932 Posts
    • 2,081 Thanks
    eDicky
    she had to pay ATM charges everytime she withdrew cash. I thought this card didn't charge anything?
    Originally posted by leej72
    The Starling card does not charge anything, it is the ATM operators in USA that make a charge for withdrawals. These apply whatever card you use, announced onscreen.

    As for people having problems, I've used the card in many counties with none. But any card can fail sometimes for obscure reasons, that's why you should always take more than one.
    • mooragor
    • By mooragor 8th Jun 18, 12:41 PM
    • 1 Posts
    • 0 Thanks
    mooragor
    Tandem Rejected
    I was also rejected for a Tandem card. Experian said I had a 999 rating!
    I phoned up twice to ask them to review it, and have heard nothing (2 months ago now), so i'm giving them up as a dead loss.
    Have taken out Halifax and Barclaycard ones now instead (both of them auto-approved immediately)
    • MoneySpendingProfessional
    • By MoneySpendingProfessional 20th Jul 18, 11:17 AM
    • 1 Posts
    • 1 Thanks
    MoneySpendingProfessional
    Starling is a star
    I cannot praise the Starling bank account enough - their set up was so easy, they have NO charges for withdrawal, no minimum pay ins, you get Interest on your balance and you can use t anywhere. I've personally been to Canada and North Cyprus and had no problems anywhere, you just treat it as a credit card when you are there. And I've actually just used it as a savings account when I'm not away. The app is great, really helpful and informative you can see how much of your spends were on holidays / transport / eating out / groceries / entertainment / shopping. Super easy and user-friendly and no fees! yay!
    • MartinJS
    • By MartinJS 3rd Aug 18, 5:05 PM
    • 4 Posts
    • 1 Thanks
    MartinJS
    Tandem card - success but no Google/Apple Pay
    I've had a Tandem card for a few weeks and I'm pretty happy with it. I like the mobile app and how I get real time notifications of what I spend, very handy as when spending abroad the notification shows the amount you spent in GBP. What's disappointing about this card is they don't support Apple or Google Pay. I emailed them and got this reply:

    Hi Martin,

    Our card isnít currently available to use with Apple pay and Google pay there are several other pieces of infrastructure that would need to be built before we would be able to offer this. However, this is something we are working towards, but I wouldn't be able to give a definitive time frame of when this would be just yet, so please keep an eye out for updates on our progress. I hope thatís helpful.

    --

    Naima from Tandem
    • yatp1
    • By yatp1 31st Aug 18, 9:44 AM
    • 1 Posts
    • 0 Thanks
    yatp1
    Agree with positive comments about Starling Bank. I noticed that the £300 cash withdrawal limit becomes €300 in Europe (£270 on today's rate).
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