• Ahoy there! Why not join the UK’s largest cruising forum? The Cruise.co.uk forum is the perfect place to meet and interact with likeminded cruisers to have invaluable conversations. Whether you're a veteran cruiser or looking to set sail on the sea for the first time, everyone is welcome on our forum to participate in the hottest conversations in the cruising world. So, what are you waiting for? Join the forum today by clicking here to register!

Announcement

Collapse
No announcement yet.

Credit Card Payments on board

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

    Credit Card Payments on board

    I can,t remember which way i paid my CC bill last year,Do i let Celebrity convert it to US Dollars,or,let my own bank do it? Thanks, Jan.

    #2
    Unless you've got a credit card with appalling fees, then letting your card issuer do the conversation is probably better.

    If you're using a decent travel credit card (Halifax Clarity, Nationwide Select, Lloyds Avios) then you'll be much better letting the card issuer convert as you'll be getting perfect rates with no fees or loading charges.

    I use the Nationwide Select card (previous the Halifax Clarity) and always get Celebrity to bill me in US Dollars.
    Duncan S

    See my blog!

    Comment


      #3
      I agree with Duncan.

      I never let any overseas supplier use 'their' exchange rates - a little money spinner.

      Annie

      Comment


        #4
        Thanks for that Duncan,Mine is Master card,bog standard,I only keep it because my credit limit is so good,and i dont think there is enough time to apply for another one before we sail. (22nd June) Jan.

        Comment


          #5
          Originally posted by jan lowden, sunderland (2) View Post
          Thanks for that Duncan,Mine is Master card,bog standard,I only keep it because my credit limit is so good,and i dont think there is enough time to apply for another one before we sail. (22nd June) Jan.
          Can I jump in here?? plenty of time to apply for a new cc with minimal charges for overseas transactions,

          Annie

          Comment


            #6
            Originally posted by jan lowden, sunderland (2) View Post
            Thanks for that Duncan,Mine is Master card,bog standard,I only keep it because my credit limit is so good,and i dont think there is enough time to apply for another one before we sail. (22nd June) Jan.
            You'd be surprised how quickly you'll get a card through. Most now do online acceptance immediately, with card and PIN following within a week. Worst case apply now and you'll have it for the next time you travel.

            Halifax Clarity is the obvious choice as it's a no-fee card that anyone can apply for.

            Who is your current Mastercard with? You can find out the fees and rates applicable on Money SavingExpert's Checker.
            Duncan S

            See my blog!

            Comment


              #7
              Originally posted by annie, Glasgow View Post
              Can I jump in here?? plenty of time to apply for a new cc with minimal charges for overseas transactions,

              Annie
              You beat me to it, Annie
              Duncan S

              See my blog!

              Comment


                #8
                Thanks Annie will pop into Halifax asap and ask for an appointment. Jan.

                Comment


                  #9
                  I think the Post Office still offer a no fee card for foreign transactions and you'll probably get a better credit limit

                  Comment


                    #10
                    Originally posted by jan lowden, sunderland (2) View Post
                    Thanks Annie will pop into Halifax asap and ask for an appointment. Jan.
                    You can apply online very easily in a couple of minutes, and get an instant decision in most cases.

                    Halifax | Credit Cards | Clarity Credit Card
                    Duncan S

                    See my blog!

                    Comment


                      #11
                      Originally posted by ROSEBASKETS, Yorkshire View Post
                      I think the Post Office still offer a no fee card for foreign transactions and you'll probably get a better credit limit
                      Post Office do offer a credit card with perfect purchase rates, but the Clarity card wins on cash withdrawals. You pay nothing for these either, other than daily interest until it's paid (as with any cash advance). As the clarity card has the same APR for advances as purchases (around 13% representative) it still works out much cheaper than getting cash in the UK.

                      Post Office charges the higher of £3 or 2.5% for cash advances (plus the APR).
                      Duncan S

                      See my blog!

                      Comment


                        #12
                        Originally posted by ROSEBASKETS, Yorkshire View Post
                        I think the Post Office still offer a no fee card for foreign transactions and you'll probably get a better credit limit
                        I have one of those which I use for foreign purchases. I don't use it for cash advances though.

                        Post Office processed my application in less than 1 week Jan.

                        Annie

                        Comment


                          #13
                          Thanks Annie and Duncan,I am now awaiting delivery of a Halifax Clarity card,expected in 1 week! So easy as well! Credit limit is quite low for now of course,but i think it will cover us for what we want on this cruise. Jan.

                          Comment


                            #14
                            Originally posted by jan lowden, sunderland (2) View Post
                            Thanks Annie and Duncan,I am now awaiting delivery of a Halifax Clarity card,expected in 1 week! So easy as well! Credit limit is quite low for now of course,but i think it will cover us for what we want on this cruise. Jan.
                            You are more than welcome Jan.

                            Welcome to the canny Scots club

                            Annie

                            Comment


                              #15
                              Originally posted by jan lowden, sunderland (2) View Post
                              Thanks Annie and Duncan,I am now awaiting delivery of a Halifax Clarity card,expected in 1 week! So easy as well! Credit limit is quite low for now of course,but i think it will cover us for what we want on this cruise. Jan.
                              You're welcome! Enjoy your new travel plastic
                              Duncan S

                              See my blog!

                              Comment


                              We use cookies to give you the
                              best experience possible.


                              By continuing to use our website you
                              agree to our cookie policy

                              Working...
                              X