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    bg1: using credit card on holiday

    I have a Barclay card master card, going Greece, am I right to think there is a 0% service charge for withdrawals?

    21 Comments

    Which BC Mastercard, they have many different ones?

    dont really matter does it brah you on 300k a year!

    (no h4te)

    Original Poster

    how do i know which 1 it is.

    Original Poster

    it has mastercard on it, on the back "PAYPASS".

    you get the current market rate as well yes?

    Banned

    If you are using a credit card for cash withdrawals you will be charged unless you pre-load the card and dont go into the red.

    Probably best just to ask your mum to look after your pocket money though.

    Nope - they will charge you.

    "Credit cards can be used to withdraw from cash machines. If using an ATM abroad, you'll get your money in the local currency, subject to a handling charge and foreign exchange fee. This fee also applies to all transactions in foreign currency.

    Maximum daily withdrawal £500
    Handling charge 3% (min £3)
    Foreign exchange fee 2.99%.

    I dunno what rate they use for conversion, but I doubt it's market rate. You really should get a Nationwide CC instead.

    Original Poster

    guv

    If you are using a credit card for cash withdrawals you will be charged … If you are using a credit card for cash withdrawals you will be charged unless you pre-load the card and dont go into the red.Probably best just to ask your mum to look after your pocket money though.


    what is pre loading?

    Banned

    black gerbil1

    what is pre loading?



    Putting money into the account.

    black gerbil1

    what is pre loading?



    It's when your mummy puts some money onto the card, so that you can go off and play the arcades without having to bother her all the time.

    Original Poster

    u lot dont no what ur talking about, it said on watchdog the other day Credit cards are the best option, as long as u pay it back before the intrest rates kcik in

    black gerbil1

    u lot dont no what ur talking about, it said on watchdog the other day … u lot dont no what ur talking about, it said on watchdog the other day Credit cards are the best option, as long as u pay it back before the intrest rates kcik in



    I took my quote from your card issuer's website - perhaps that's where you need to go as well.

    Credit Cards are the best option for purchases - not for taking money out from an ATM you fool.

    black gerbil1

    it has mastercard on it, on the back "PAYPASS".you get the current market … it has mastercard on it, on the back "PAYPASS".you get the current market rate as well yes?



    That is a Debit Card, not a Credit Card, don't you know the difference?

    Doh...

    BG1 why don't you just organise to pick up a couple of gee out your account before you go and sod your credit card

    I know lets post and ask strangers on a forum what happens to my card while I use it abroad, just ask you bank or look on their website simple answer

    What did you do when you were in Hawaii?????????????

    lol

    muffin247

    dont really matter does it brah you on 300k a year!(no h4te)



    Agreed as if that was even true he would be a bit of a tight """

    if you use a CREDIT card and you use a cash machine you will be getting a CASH ADVANCE.
    Same principle in this country is that the interest starts being charged immediately rather than at the end of the month (like if you were to make a standard card purchase)

    DEBIT cards use the money in your account and dont charge interest but depending on the card will charge you a service charge and give you a slightly lower rate than average on the exchange.
    maybe £1- £3 per withdrawal you make.

    Im not sure but NATIONWIDE used to do a 0% charge on their debit cards world wide, i think they have either stopped this all together or made it 0% in Europe only

    Jetpac

    if you use a CREDIT card and you use a cash machine you will be getting a … if you use a CREDIT card and you use a cash machine you will be getting a CASH ADVANCE.Same principle in this country is that the interest starts being charged immediately rather than at the end of the month (like if you were to make a standard card purchase) DEBIT cards use the money in your account and dont charge interest but depending on the card will charge you a service charge and give you a slightly lower rate than average on the exchange.maybe £1- £3 per withdrawal you make.Im not sure but NATIONWIDE used to do a 0% charge on their debit cards world wide, i think they have either stopped this all together or made it 0% in Europe only



    They are ending the service completely on November 1st this year. great shame on them.

    Jetpac

    if you use a CREDIT card and you use a cash machine you will be getting a … if you use a CREDIT card and you use a cash machine you will be getting a CASH ADVANCE.Same principle in this country is that the interest starts being charged immediately rather than at the end of the month (like if you were to make a standard card purchase) DEBIT cards use the money in your account and dont charge interest but depending on the card will charge you a service charge and give you a slightly lower rate than average on the exchange.maybe £1- £3 per withdrawal you make.Im not sure but NATIONWIDE used to do a 0% charge on their debit cards world wide, i think they have either stopped this all together or made it 0% in Europe only



    Do you write for the News Of The World by any chance?

    Inactive

    They are ending the service completely on November 1st this year. great … They are ending the service completely on November 1st this year. great shame on them.



    Agreed, It's a poor show from them.

    However, apparently their CC is still free from commission on purchases. They will charge 2% plus a charge of £1 for every cash withdrawal from the DC.
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