I agree! Too many people keep banging on about cash. Any application 'affects' credit score. It can go up and down. So what? As they say give people some information! Surely late and missed payments are what would 'affects' your score negatively. They might see that you have taken cash and might conclude that they don't want you but this card is designed to do exactly that. What happens if you take this out and then don't get any new credit cards and you already have a mortgage. The 'affect' in my crefit score i couldn't give a flying monkeys about! This is far better and cheaper than payday loans. However UK withdrawal is not cheap as you have the cash machine fee and pay interest straight away and at 27.9% The better card might be the creation as its only 12.9% apr on cash and spending and no fees worldwide and including the UK. Thats about 1% a month so for every £100 if you took two weeks to pay it off it eould cost you 50p. I don't agree with "person so desperate for cash he had to use a credit card" For a start tradesman don't always have the facility for credit cards. Izettle is changing that but before you had to have a metchant id etc... So cash withdrawal was good. Also if I need the basics in tesco, lidl, aldi etc... I can use the credit card for spending there and not cash. I agree it shows up different but there seems to be a hysteria about cash withdrawal on this site and its just plain nonsense
Probably has to do with your income. Take your income with someone who is just breaking even every month, tries to apply for extra credit and the lenders see various cash withdrawals abroad. Mind you, why is he on holiday in first place but my point is still valid.
As long as you cover the minimum payment each month you can pay it off when you like providing you get the 0% offer. Mine took about 2 working days to come and the pin is given online so I could use it immediately.
I’ve used a Halifax Clarity card abroad for cash lots over the last 2 years, as well as using it every now and then in the uk. I also got one of theseBarclaycard travel cards for a trip to Whistler last month and again drew out plenty of cash on it during that trip. When you get the card you can get the Barclays app which shows your Experian score and mine was 999 which I believe is the best score you can get. That doesn’t fit with what you say.