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    • bazkellett
    • By bazkellett 11th Mar 17, 5:27 PM
    • 2Posts
    • 0Thanks
    Halifax Clarity Card
    • #1
    • 11th Mar 17, 5:27 PM
    Halifax Clarity Card 11th Mar 17 at 5:27 PM
    Has anybody else noticed that when you make a purchase in foreign currency the initial price changes a couple of days later. Made a purchase in Australian Dollars and account showed 607 then later it showed 614. This does seem strange and could possibly make this credit card no so attractive
Page 1
    • eDicky
    • By eDicky 11th Mar 17, 5:48 PM
    • 3,397 Posts
    • 1,611 Thanks
    • #2
    • 11th Mar 17, 5:48 PM
    • #2
    • 11th Mar 17, 5:48 PM
    Credit card payments in general are not settled immediately, they are pending for a couple of days or so. When a currency conversion is involved, a provisional rate is shown at the time of transaction. Later, on the date of settlement the rate is fixed, and will have gone up or down according to currency fluctuation while it was pending. You are just as likely to gain slightly as you are to lose a little.
    • concernedSaver
    • By concernedSaver 11th Mar 17, 5:48 PM
    • 91 Posts
    • 21 Thanks
    • #3
    • 11th Mar 17, 5:48 PM
    • #3
    • 11th Mar 17, 5:48 PM
    I've seen this happening with prepaid and credit cards as well. The reason is that the transaction will eventually settle after you authorised the purchase. The purchase will put a "hold" on your card for the exchange rate of that day, but the actual amount might vary depending on the rate of the day it settles. Sometimes it's worse, sometimes it's better.
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