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Started by Avonlea on Jul 1, 2017 6:51:53 PM
Choosing a credit card for use overseas

I don't have a credit card now - I haven't for more than 10 years. But I think I'm going to have to do some work-related international travel soon and it would be useful to have a credit card for that purpose. MSE is recommending Sainsbury's at the moment, but if I'm in (for example) India, would I be better with a card with a brand more likely to be recognised over there?

Tenesmus - 01 Jul 2017 18:53:09 (#1 of 27)

Isn't it the MasterCard or Visa bits that matter?

Avonlea - 01 Jul 2017 18:53:43 (#2 of 27)

I presume so, but I don't know.

spartak - 01 Jul 2017 18:54:38 (#3 of 27)

What Ten said. Avoid Amex. Not always accepted. Visa or MC. The rest is just branding.

darkhorse - 01 Jul 2017 18:58:51 (#4 of 27)

Get one Visa one and one MC one. I think more of the branded ones are MasterCard. Barclaycard and Cooperative are Visa I think

They're easy enough to close down once you've used them.

widenation - 01 Jul 2017 19:36:58 (#5 of 27)

Make sure there isn't an annual fee. I was going to suggest Lloyds AMEX/MasterCard but see they charge £24 a year now, which I hope they haven't applied to the cards I rarely ever use... they don't seem to have.

pmcblonde - 01 Jul 2017 19:41:24 (#6 of 27)

We just used Creation. There's no interest free period but also no currency or cash advance fees. Contactless didn't work in Italy but chip and pin was fine

airynothing - 01 Jul 2017 19:46:52 (#7 of 27)

Anything Visa will be fine. I only have Visa cards (not a specific choice, just the credit card I got was one, and so is my debit card) and I've never yet come across a business hotel who didn't accept it.

foxybrown - 01 Jul 2017 19:49:56 (#8 of 27)

Halifax clarity Mastercard doesn't charge transactions fees.

bossab2 - 01 Jul 2017 20:13:33 (#9 of 27)

I have a NatWest Gold card.

They don't do annoying things like blocking your card, if you suddenly go abroad.

WillodeanKnuth - 01 Jul 2017 20:14:02 (#10 of 27)

You surely don't go abroad, bossab?

bossab2 - 01 Jul 2017 20:39:39 (#11 of 27)

Not in the last 18 months I haven't. But taking the car over to France is on my list of challenges.

grenadiglia - 01 Jul 2017 21:02:23 (#12 of 27)

Nationwide are Visa too. Have a word with your bank, who will be eager to give you one (not like that!) and see what they can offer.

Ginmonkey - 01 Jul 2017 21:06:36 (#13 of 27)

Barclaycard is Visa and pretty much accepted worldwide I think.

bossab2 - 01 Jul 2017 21:41:32 (#14 of 27)

My Tesco one

I get Clubcard points from using it.

airynothing - 01 Jul 2017 22:00:11 (#15 of 27)

Yes, but you'd also be liable for all Avonlea's hotel bills.

JohnIlly - 01 Jul 2017 22:27:08 (#16 of 27)

They don't do annoying things like blocking your card, if you suddenly go abroad.

If your card is used abroad without you having told them you're going then I would hope they would block it for very good security reasons..

DBD333 - 01 Jul 2017 22:44:27 (#17 of 27)

#7 I have travelled all over the US for business and always used Amex (I like the points scheme, the points can be converted to building materials, and the card comes with insurance for rental cars which is otherwise expensive). I've travelled to other places and also maintained a VISA and a MasterCard because, especially in Europe, there are lots of places that don't take Amex or do but charge a fee for doing so.

Now I have to go to Italy, Pantelleria, where the hotel expects a bank transfer of funds (difficult from here so I had to use a money order) and the car rental place wants cash. There are still places beyond the reach of the large corporates.

In the place of the thread starter I'd get a VISA or MasterCard with no fee (which one doesn't matter) and, if I expected to hire cars, I'd choose the one with the best rental car insurance provision.

mazylou - 02 Jul 2017 15:37:22 (#18 of 27)

John Lewis MasterCard is fine, and you get vouchers back periodically. Never had an issue with it abroad.

WillodeanKnuth - 02 Jul 2017 15:47:49 (#19 of 27)

If your card is used abroad without you having told them you're going then I would hope they would block it for very good security reasons..

This stuff is done by automatic pattern recognition systems these days. Means you don't need to let them know you're going overseas, and it also means your card can stop working because computer he say no at any time.

JohnIlly - 02 Jul 2017 15:55:59 (#20 of 27)

If you haven't used it abroad before then surely pattern recognition would smell a rat.

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