Author Topic: Debit cards - pay in Lira or Sterling?  (Read 9429 times)

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Offline madmart

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Re: Debit cards - pay in Lira or Sterling?
« Reply #20 on: October 02, 2014, 19:33:38 PM »
I have to second littlereddevil in recommending using a Clarity card. With the proviso that you pay it off in full every month it really is the best deal about. We use ours every trip and never had a charge yet, the exchange rate is as close to bank rate as a member of the public can get.

When we were over last month the exchange rate was generally 3.45 -3.55 on the card we got nearly 3.6.



Offline sadler

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Re: Debit cards - pay in Lira or Sterling?
« Reply #21 on: October 02, 2014, 21:31:13 PM »
We always use Halifax Clarity card also and have a dd set up to pay in full, the best card on the market for overseas purchases.

Offline Scunner

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Re: Debit cards - pay in Lira or Sterling?
« Reply #22 on: October 02, 2014, 21:48:01 PM »
Thanks for the info, Halifax have kindly accepted my application for a Clarity card  :)

Offline Scunner

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Re: Debit cards - pay in Lira or Sterling?
« Reply #23 on: October 02, 2014, 22:33:12 PM »
Can people with this card just confirm one thing for me.

I understand there is no fee with this card when paying for goods and services abroad. It also says no fee for withdrawing cash abroad. Does that mean if I needed £200 in Turkish lira I could take it out in Calis in Lira, then when my statement comes through in UK I pay the £200 back? Or is it fee free to draw cash but you pay interest from the time you withdraw, not from your payment date (if missed/not paid in full)?

Thanks.

Offline Scunner

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Re: Debit cards - pay in Lira or Sterling?
« Reply #24 on: October 03, 2014, 00:15:12 AM »
3 replies in a row, what will Colwyn make of me.

I think I found my own answer

Interest-free
period   
Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.
No interest-free period on balance transfers or cash withdrawals.

Offline Karennina

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Re: Debit cards - pay in Lira or Sterling?
« Reply #25 on: October 04, 2014, 13:13:23 PM »
Also Keith with the clarity card if you make a purchase of £300 in one month and pay it off in full when the bill arrives you get £5 off your next bill, every little helps as a well known supermarket says  ;)

Offline Scunner

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Re: Debit cards - pay in Lira or Sterling?
« Reply #26 on: October 04, 2014, 15:55:27 PM »
Well worth knowing, thanks Karen. I'm loving this card and it hasn't even arrived yet!

I was wondering, can you load money onto it so you can withdraw abroad in local currency? Avoiding charges of course.

Offline Karennina

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Re: Debit cards - pay in Lira or Sterling?
« Reply #27 on: October 04, 2014, 16:23:01 PM »
Ha you make me laugh  :)I don't know the answer to that as I only use mine for purchases online etc, that would be a good idea so I now would also like to know the answer to that also  ;)

Offline littlereddevil

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Re: Debit cards - pay in Lira or Sterling?
« Reply #28 on: October 04, 2014, 17:54:55 PM »
Also Keith with the clarity card if you make a purchase of £300 in one month and pay it off in full when the bill arrives you get £5 off your next bill, every little helps as a well known supermarket says   ;)


I've never had a £5 off!

Offline littlereddevil

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Re: Debit cards - pay in Lira or Sterling?
« Reply #29 on: October 04, 2014, 17:55:32 PM »
Well worth knowing, thanks Karen. I'm loving this card and it hasn't even arrived yet!

I was wondering, can you load money onto it so you can withdraw abroad in local currency? Avoiding charges of course.


No they wouldn't allow me to pay more in than what was due on the card




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