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Credit Cards

toolongawake Avatar
6y, 6m agoPosted 6 years, 6 months ago
Looking at getting a Credit Card for the first time.

My main motive is for using on holiday, as i don't like to take a lot of money over with me. So i would be looking for one which offers 0% commision on purchases abroad. I know the post office offers a card which does this, but could anybody else give me pointers on others which offer this?

Only interested in a credit card, not in pre paid cards or debit card deals as i would be using the credit card for things other than on holiday

Like i said I'm a credit card newbie so i would appreciate any advice given and rep anyone who helps me out :)
toolongawake Avatar
6y, 6m agoPosted 6 years, 6 months ago
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1 Like #1
look to try and getting a abbey zero card but if your a newbie to cards capital one or vanquis might be your best bet
1 Like #2
I have the abbey card for going abroad. But have a read here... some good advice
http://www.moneysavingexpert.com/travel/cheap-travel-money
#3
Borat
look to try and getting a abbey zero card but if your a newbie to cards capital one or vanquis might be your best bet


only people who have a mortgage or current account with abbey (santander) can get the zero card.

Vanquis don't offer 0% on foreign spending
banned#4
Honest advice is don't get one. Sorry, I know that isn't helpful but most debit cards are accepted in Europe (some worldwide).

Credit Card usually = debt.
1 Like #5
fairfx.com

you can thank me later :)
#6
JonnyTwoToes
Honest advice is don't get one. Sorry, I know that isn't helpful but most debit cards are accepted in Europe (some worldwide).

Credit Card usually = debt.


yes debit cards are accepted but charge commision, hence i'm looking for a 0% commision credit card.

and when used responsibly there is no reason why a credit card should result in debt
#7
jackvdbuk
fairfx.com

you can thank me later :)


thanks, but not looking for a prepaid card
#8
Every transaction abroad on a credit card will be charged for and then you will pay a fee for the exchange rate. Use cash or if you must a debit card such as Nationwide, I believe they do not charge. Only other option is travellers cheques.
#9
The Nationwide Debit Card doesn't charge commission on cash withdrawals and purchases in the EU area - they add the 1% levy imposed on them by visa for all other countries.

No commission, no withdrawal fees in EU - it's the best by a mile IMO.

http://www.nationwide.co.uk/current_account/account_benefits.htm

Commission-free card use abroad
We are the only high-street provider that doesn't charge you commission if you use your card abroad*. Some competitors charge up to 2.75% for buying goods or services and withdrawing cash abroad.

* We will pass on a Visa charge for foreign transactions outside of the Visa Europe Region.
#10
NATIONWIDE - best option - need to open account - put money and spend your money with no charges - use it at cash machines - no charges
#11
toolongawake
thanks, but not looking for a prepaid card


what is the benefits of these prepaid cards - keep seeing them mentioned. I dont have any credit cards - just a debit card but wondered if I would get better protection when buying larger purchases using one of these prepaid mastercards? Or is it really just a debit card?
1 Like #12
bossyboots
what is the benefits of these prepaid cards - keep seeing them mentioned. I dont have any credit cards - just a debit card but wondered if I would get better protection when buying larger purchases using one of these prepaid mastercards? Or is it really just a debit card?


They offer the same protection as a regular credit card iirc, problem is their fees are very high and they charge commission and offer poor exchange rates.
banned#13
moob;8608810
The Nationwide Debit Card doesn't charge commission on cash withdrawals and purchases in the EU area - they add the 1% levy imposed on them by visa for all other countries.

No commission, no withdrawal fees in EU - it's the best by a mile IMO.

http://www.nationwide.co.uk/current_account/account_benefits.htm

Commission-free card use abroad
We are the only high-street provider that doesn't charge you commission if you use your card abroad*. Some competitors charge up to 2.75% for buying goods or services and withdrawing cash abroad.

* We will pass on a Visa charge for foreign transactions outside of the Visa Europe Region.

you helping a rangers fan moob....bejesus i dont believe it!:-D
banned#14
toolongawake
yes debit cards are accepted but charge commision, hence i'm looking for a 0% commision credit card.

and when used responsibly there is no reason why a credit card should result in debt


Fair enough. Good luck. :thumbsup:
#15
RFC
you helping a rangers fan moob....bejesus i dont believe it!:-D


We're not all that simple of mind mate. :lol:
#16
moob
They offer the same protection as a regular credit card iirc, problem is their fees are very high and they charge commission and offer poor exchange rates.


cheers Moob. My husband is so against credit cards but I worry when booking holidays using just a debit card or cash.

thanks.:)
1 Like #17
bossyboots
cheers Moob. My husband is so against credit cards but I worry when booking holidays using just a debit card or cash.

thanks.:)


No bother.

I don't like debt either, but I have several CCs all with zero balance.

I just use them for items I feel I will need protection with - then pay them off right away.
#18
moob
The Nationwide Debit Card doesn't charge commission on cash withdrawals and purchases in the EU area - they add the 1% levy imposed on them by visa for all other countries.

No commission, no withdrawal fees in EU - it's the best by a mile IMO.

http://www.nationwide.co.uk/current_account/account_benefits.htm

Commission-free card use abroad
We are the only high-street provider that doesn't charge you commission if you use your card abroad*. Some competitors charge up to 2.75% for buying goods or services and withdrawing cash abroad.

* We will pass on a Visa charge for foreign transactions outside of the Visa Europe Region.


thanks for the advice, really only interested in a credit card though, not debit cards or pre paid cards.

Have now changed the original post to mention this

thanks all the same for taking the time to give advice, have given you rep:thumbsup:
#19
toolongawake
thanks for the advice, really only interested in a credit card though, not debit cards or pre paid cards.

Have now changed the original post to mention this

thanks all the same for taking the time to give advice, have given you rep:thumbsup:


This article below is probably worth a read then:

http://www.moneysavingexpert.com/travel/cheap-travel-money
banned#20
Tormod;8608817
NATIONWIDE - best option - need to open account - put money and spend your money with no charges - use it at cash machines - no charges

or just get a nationmwide credit card
#21
csiman
or just get a nationmwide credit card


Was gonna say that but didn't want to come across as biased. Major issue with CCs is that they charge for for cash advances - which is why I use both the Nationwide Debit Card and Credit Card.

They're known for giving the best exchange rates as well, as they use the Visa market rate that changes daily, instead of using their own determined rate and adding a 2.75% conversion charge like others.
#22
JonnyTwoToes
Honest advice is don't get one. Sorry, I know that isn't helpful but most debit cards are accepted in Europe (some worldwide).

Credit Card usually = debt.


That's a very sterotypical view. CC actually offer a lot more protection than debit cards and you would certainly be silly to purchase large items on a debit card over the net. Or indeed leave yourself open to fraud by using a debit card which few have any chargeback facility. Used correctly they are probably the safest way to purchase things
banned#23
moob;8612122
Was gonna say that but didn't want to come across as biased. Major issue with CCs is that they charge for for cash advances - which is why I use both the Nationwide Debit Card and Credit Card.

They're known for giving the best exchange rates as well, as they use the Visa market rate that changes daily, instead of using their own determined rate and adding a 2.75% conversion charge like others.

yeah, brilliant exchange rate for purchases. I use my NW DC at cashpoints but remember to select EUROS when withdrawing else the issuing bank will do the exchange for you to sterling at a far lower rate
#24
moob
They offer the same protection as a regular credit card iirc, problem is their fees are very high and they charge commission and offer poor exchange rates.


absolute rubbish! hah

best exchnage rate iv seen and i guarantee it beats ALL banks.

no commison,

just i think a £1.50 fee for ATMs.. or 1.5% fee i think i cant remember... but brilliant cards.
#25
jackvdbuk
absolute rubbish! hah

best exchnage rate iv seen and i guarantee it beats ALL banks.

no commison,

just i think a £1.50 fee for ATMs.. or 1.5% fee i think i cant remember... but brilliant cards.


Tell me what prepaid card you're using and we can compare the stats...:whistling:
banned#26
jackvdbuk;8616893
absolute rubbish! hah

best exchnage rate iv seen and i guarantee it beats ALL banks.

no commison,

just i think a £1.50 fee for ATMs.. or 1.5% fee i think i cant remember... but brilliant cards.

make your mind up.

nothing beats a nationwide debit card. Proper business exchange rates and ZERO commission from ATMs
#27
moob
Tell me what prepaid card you're using and we can compare the stats...:whistling:


well i did try to get a nationwide card but sadly i was not "suitable"
http://www.fairfx.com/opodo/costs

no fees on any transaction, only $2, 1.50 euro on ATM's.. but if you dont use one or use one once its still very good :)

what exchange rates are on the nationwide card? remember, prepaid cards get topped up by todays rate, so if the rate drops when you go on holiday... youll get less when using a nationwide card!


balls in your court my friend :-D

just checked, rate for euro is slightly better on nationwide cards, a euro or so on 100! good cards, but if you cant get one, then i still think this is the best alternative!

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