Creation Everyday Credit Card - No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee - HotUKDeals
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Creation Everyday Credit Card - No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee

£0.00 @ Creation
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee. One simple rate & no usage fees - however and wherever you use your … Read More
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2m, 6d agoFound 2 months, 6 days ago
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee.

One simple rate & no usage fees - however and wherever you use your Creation Credit Card.

No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee

*BETTER than Halifax Clarity Card as lower cash withdraw interest rate

http://www.moneysavingexpert.com/travel/travel-credit-cards#creation
More From Creation :
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2m, 6d agoFound 2 months, 6 days ago
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4 Likes #1
you should try the card offered by Monzo, comes with an app that will you show your spending nearly instantly.. that to is free usage abroad
3 Likes #2
bigfatdaddy_udds
you should try the card offered by Monzo, comes with an app that will you show your spending nearly instantly.. that to is free usage abroad
or Revolut :)
1 Like #3
Tesco_horse_meat
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee...
"Perfect" depends on the exchange rate used by the card provider. Any idea where the issuer states the rate that is / will be used, cos if the rate is trousers it is not worth the bother. Thanks.
1 Like #4
try revoult very good as well application can so you what is rate and instant msg for transaction. you can control your card
1 Like #5
Good find, voted cold because of the terrible site! 5 attempts and the application still hasn't gone through.
#6
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
#7
I gather this only works 6 days a week.
1 Like #8
Decentbloke
I gather this only works 6 days a week.


I think it blesses and sanctifies your Sunday purchases, so extra cover is a bonus.
#9
bigfatdaddy_udds
you should try the card offered by Monzo, comes with an app that will you show your spending nearly instantly.. that to is free usage abroad


Monzo is like a gift card.. top up and go.
Why you compare it with credit card?
#10
AndyRoyd
Tesco_horse_meat
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee...
"Perfect" depends on the exchange rate used by the card provider. Any idea where the issuer states the rate that is / will be used, cos if the rate is trousers it is not worth the bother. Thanks.


wouldn't the foreign exchange rate be tackled by MasterCard set on the day? rather than the provider? mind you I've not managed to get any clarification on their website.
#11
"Please note that interest rates will be usually higher for cash withdrawals than for standard purchases. Interest will be payable from date of purchase to date of full payment."

I can't see what their exchange rate loading is and charging interest at a higher rate on cash advances amounts to a fee for me.
#12
keenan316
Good find, voted cold because of the terrible site! 5 attempts and the application still hasn't gone through.

Yep terrible site, same thing happened to me!
#13
Voted Hot. Money Saving Expert endorsed card for use abroad. Got a card in January. No problem with their website for me.
#14
So is this card actually a new account? I use a SuperCard a lot abroad, they're plumbed into your existing accounts and when you spend, money is drawn from there at the current conversion rate from MasterCard. Would this have any advantages over that?
#15
Had a faff on their website so called their customer service line which was also poor. Waited over 3 weeks for the card to arrive.
1 Like #16
Revolut charge a fee for cash withdrawals once you go over £200/month.

Monzo has absolutely no charges.

Both excellent cards, but if I was to choose between one with limits/charges and one without, I know which one I'd go for...
1 Like #17
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.


Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.

Cards like Revolut/Monzo avoid this.
#18
I have the virgin essentials card, zero fees on spending abroad, £1.50 fee per atm withdrawal abroad. Currently uses visa, but changing to mastercard in the next month or 2.
2 Likes #19
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.

I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.

Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
#20
Not a deal.
1 Like #21
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.
2 Likes #22
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.

I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.

Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.


You would be wrong:

http://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-record

Baffling response, at least do a quick Google search before calling someone out in being wrong. Especially if other people might read your nonsense and take it as fact.
#23
Szabster
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.


You sure about that?

Per the link above:

"Why is withdrawing cash on a credit card bad for my credit score? Well, the first thing to say is that if you withdraw cash on your credit card, that's recorded on your credit record. If another lender saw that, it would likely see it as a danger sign."

Check your facts before misleading people, ehh?
#24
Have had this card for around a year now. Excellent rates and zero charges for withdrawals both home and abroad. Comes in handy when you're a bit strapped just before pay day!

Customer service is good, but the turn around times are somewhat a little slower than the big banks, but overall, I have nothing bad to say about the card overall.
#25
bigfatdaddy_udds
you should try the card offered by Monzo, comes with an app that will you show your spending nearly instantly.. that to is free usage abroad


Got one to use overseas. Brilliant
#26
I don't think Halifax have a card that allows free ATM withdrawals abroad, clarity has free transactions but not withdrawals.

I'm looking for a card I can credit and then make free unlimited ATM withdrawals abroad.
#27
maakuji
I don't think Halifax have a card that allows free ATM withdrawals abroad, clarity has free transactions but not withdrawals.

I'm looking for a card I can credit and then make free unlimited ATM withdrawals abroad.


Looks like ATM withdrawals are free abroad on the clarity, maybe I don't need another card!
#28
jesper10
Szabster
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.
You sure about that?
Per the link above:
"Why is withdrawing cash on a credit card bad for my credit score? Well, the first thing to say is that if you withdraw cash on your credit card, that's recorded on your credit record. If another lender saw that, it would likely see it as a danger sign."
Check your facts before misleading people, ehh?
I'm sure. I've been withdrawing cash from my Clarity card many many times while being abroad and that never had any impact on my credit score.
#30
jesper10
Szabster
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.


You sure about that?

Per the link above:

"Why is withdrawing cash on a credit card bad for my credit score? Well, the first thing to say is that if you withdraw cash on your credit card, that's recorded on your credit record. If another lender saw that, it would likely see it as a danger sign."

Check your facts before misleading people, ehh?


Have you ever ordered full credit report from one of three credit check agencies? I bet not. There's only record about account balance, pay in amount and credit limit. Had default few years past (thanks Lloyds!) and since that I'm using my CCs regularly and my credit score flying up every month. Even making small profit on cash borrowed from 0% cards. So don't believe in anything what's in internet.
#31
jesper10
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
You would be wrong:http://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-record
Baffling response, at least do a quick Google search before calling someone out in being wrong. Especially if other people might read your nonsense and take it as fact.

I used the word doubt - I wasn't stating a fact. So thanks for calling it nonsense.

Also on the link he states "We've spoken to lenders and credit reference agencies. In isolation, withdrawing cash on your credit card shouldn't kibosh any credit applications you make"

So therefore it might not have an impact at all...
1 Like #32
U53R
jesper10
Szabster
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.


You sure about that?

Per the link above:

"Why is withdrawing cash on a credit card bad for my credit score? Well, the first thing to say is that if you withdraw cash on your credit card, that's recorded on your credit record. If another lender saw that, it would likely see it as a danger sign."

Check your facts before misleading people, ehh?


Have you ever ordered full credit report from one of three credit check agencies? I bet not. There's only record about account balance, pay in amount and credit limit. Had default few years past (thanks Lloyds!) and since that I'm using my CCs regularly and my credit score flying up every month. Even making small profit on cash borrowed from 0% cards. So don't believe in anything what's in internet.


You bet wrong, I have used the three main UK ones (Experian, Equifax, Callcredit) in the past and I currently have a monthly subscription with one of those.

Since people are still arguing the point, this is from Equifax:

"Avoiding cash withdrawals from your credit account – Regularly withdrawing cash from a credit card may be identified by looking at your credit report identified by looking at your credit report, which could affect a lender’s decision when evaluating money management skills."

Link:
https://www.equifax.co.uk/resources/articles/credit_hygiene.html

The doubters can keep arguing the fact all they like, but it's straight from the horses mouth there and all it takes is a quick Google search to find more evidence. Hopefully my posts/links have helped somebody from potentially harming any future mortgage/credit applications.
1 Like #33
salome83
jesper10
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
You would be wrong:http://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-record
Baffling response, at least do a quick Google search before calling someone out in being wrong. Especially if other people might read your nonsense and take it as fact.

I used the word doubt - I wasn't stating a fact. So thanks for calling it nonsense.

Also on the link he states "We've spoken to lenders and credit reference agencies. In isolation, withdrawing cash on your credit card shouldn't kibosh any credit applications you make"

So therefore it might not have an impact at all...



"Very much doubt"... You were trying to belittle my post with your knowledge.

I have provided numerous links and quotes now from both experts and providers. If you want to stand by your opinion then that's absolutely cool, great for you. I just hope people haven't read your comment and make a decision that could hurt their financial rating/access to credit, based on the uninformed opinion of a forum poster.
1 Like #34
Kazan
jesper10
Szabster
salome83
jesper10
philipgrif
My Halifax doesn't charge for cash withdrawals abroad. It does in the UK, but not outside.
Correct, but cash withdrawals (abroad or at home) on a credit card have an impact on your credit rating.
Cards like Revolut/Monzo avoid this.
I very much doubt cash withdrawals on a credit card show any differently than a purchase on a credit report.
Also Halifax doesn't charge a fee but you do pay interest immediately on a cash withdrawal.
Correct. Withdrawing cash is the same as spending on your card. Makes no difference to your credit history as long as you pay it back.
You sure about that?
Per the link above:
"Why is withdrawing cash on a credit card bad for my credit score? Well, the first thing to say is that if you withdraw cash on your credit card, that's recorded on your credit record. If another lender saw that, it would likely see it as a danger sign."
Check your facts before misleading people, ehh?
I'm sure. I've been withdrawing cash from my Clarity card many many times while being abroad and that never had any impact on my credit score.


Doubtful, but thanks for sharing.

https://www.equifax.co.uk/resources/articles/credit_hygiene.html

And from Experian too:

http://www.experian.co.uk/consumer/questions/askjames358.html

So, two of the 3 main credit agencies say they take cash withdrawals on a credit card into consideration. Sounds like it affects your credit score to me
#35
jesper10
Revolut charge a fee for cash withdrawals once you go over £200/month.

Monzo has absolutely no charges.

Both excellent cards, but if I was to choose between one with limits/charges and one without, I know which one I'd go for...


I'm going Morrocco soon and was thinking of using Revolut to withdraw cash but then saw the £200 limit. Does Monzo have a limit and does it work similar to revolut?
#36
http://www.moneysavingexpert.com/travel/travel-credit-cards#creation

"However, it's only slightly better than the Halifax Clarity card below - there's not actually much difference in the interest you'd be charged on cash withdrawals: £100 with the Creation card would save just under 50p per month over Halifax. So, if you feel more confident banking with a well-known brand, you might want to stick to Halifax anyway."
1 Like #37
Edit: Sorry, I meant to quote you SixFoot1! This is in response to your question...

Nope, no limit to cash withdrawals.

It works pretty much exactly the same as Revolut - Monzo just got granted a full banking licence recently too, so your money is safe!

I sound like a Monzo advertiser here (I'm not, I just like to save money!) but it really is pretty great, the app is easy to use, you can freeze your card for security when you're not using it and it also sends an instant push notification to your phone everytime you use it, be it at a cash point or in a shop... Tells you where it was used and the exchange rate given. Can't speak highly enough of them to be honest!

Edited By: jesper10 on Apr 22, 2017 08:47: Added info.
#38
Do you need to have data roaming switched on for Monzo card? Can it be used without the app?
#39
I have been using the Halifax clarity card whenever I go abroad for years. It can adversely affect your credit report? Just like any borrowing. They state that it can be identified, also they can identify which card it was, whether there are repercussions for withdrawing cash. They're not that stupid. Do you think they would release a product that ruins your credit history just by using it as advertised? Of course if you regularly withdraw from your American Express that could be a sign of being desperate for cash, not being sensible with your money therefore not good for your credit report.
1 Like #40
octopus
Do you need to have data roaming switched on for Monzo card? Can it be used without the app?


You don't need it to be switched on for it to work, but if you want to top it up or check your balance you'll need a data/wifi connection!

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