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Old 09-28-2012, 04:38 PM   #1
Magic Megadegs
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Why Fair Fx vs Credit Card?

Sincere apologies if this has already been covered lots on here but I am seeing a lot of you experienced folk talking about loading a Fair Fx card rather than using credit cards whilst away - why is this? Does it provide a better exchange rate etc?
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Old 09-28-2012, 04:47 PM   #2
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All it does is fix the exchange rate at the point of purchase. It's impossible to know whether or not it will end up being better or worse. It gives you certainty, that's all. In that way, it doesn't differ from buying currency or travellers' cheques in advance. I worry that the company could go belly up. At least with hard cash, you just need to make sure it doesn't get stolen or lost!
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Old 09-28-2012, 04:52 PM   #3
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Main difference is FXcard you pre-load and fix your rate each time you top up, Credit card you have to accept the rate on the day you use it.
Today topping up FarirFx card you would get 1.58 if you used a fee free creid card today you would get $1.616.
Personally I prefer a credit card, use their(Post Office) money then pay in full when I get home, I would rather do that than load my money onto a card. Others prefer the opposite.
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Old 09-28-2012, 04:58 PM   #4
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Quote:
Originally Posted by wayneg View Post
Main difference is FXcard you pre-load and fix your rate each time you top up, Credit card you have to accept the rate on the day you use it.
Today topping up FarirFx card you would get 1.58 if you used a fee free creid card today you would get $1.616.
Personally I prefer a credit card, use their(Post Office) money then pay in full when I get home, I would rather do that than load my money onto a card. Others prefer the opposite.
Thanks guys, I couldn't get my head around it - I am a credit card camp I think because of the insurance etc if anything dodgy happens. Thank you - it does seem a little like travellers cheques as you say. A colleague of mine just had one for his trip in the summer but he had a little notebook and pen so he could log what he spent in case it ran out of money I think - as I say I didn't quite get it. I can see now why some people like it then, it must be a good way to budget / save etc. I think I'll stick to cash / cc then, thank you x
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Old 09-28-2012, 05:04 PM   #5
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Quote:
Originally Posted by Magic Megadegs View Post
I can see now why some people like it then, it must be a good way to budget / save etc.
Exactly. That's the sole advantage. Like Wayne, though, I'd rather take my chances on the exchange rate and borrow the credit card company's money, interest free. We take some cash and put the rest on cards. i can't be doing with travellers' cheques or pre-loaded cards.
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Old 09-28-2012, 06:05 PM   #6
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Quote:
Originally Posted by UKDEB View Post
Exactly. That's the sole advantage. Like Wayne, though, I'd rather take my chances on the exchange rate and borrow the credit card company's money, interest free. We take some cash and put the rest on cards. i can't be doing with travellers' cheques or pre-loaded cards.
I did that this year and it worked great with the Post Office Credit card. I still use my FairFX and have had no problems with it. Everything is a risk in the grand scheme of things - you just have to make sure you take a calculated risk

I used the FairFX to preload for buying party tickets and having items shipped to my resort and when I got to WDW I bought gift cards with the funds on there (we didn't leave Disney property and I also had $ in cash so felt I was fine to do that). It worked out well for me as I didn't need to carry around ID with me to show for making purchases; only once each time I loaded a gift card. That also gave me the advantage of knowing the balance on the cards at any time without checking online
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Old 09-29-2012, 07:14 AM   #7
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I use the post office pre paid cards. A credit card isn't for everyone. Some don't like borrowing money and would rather save until they can afford to buy, some can't get a credit card for whatever reason.

Travel cards are good when you like to save your own money rather than borrowing someone elses, helps you budget as you know you can only spend what you have, more motivation to save towards your holiday and no big bill when you get back :D
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Old 09-30-2012, 02:13 AM   #8
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I like that plan 2Tiggies especially for the little people if it gives them a running balance in each receipt! Can I ore order Disney Gift Cards on the phone or just stock them up once there?
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Old 09-30-2012, 05:00 AM   #9
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Quote:
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I like that plan 2Tiggies especially for the little people if it gives them a running balance in each receipt! Can I ore order Disney Gift Cards on the phone or just stock them up once there?
As far as I know you have to get them there but I could be wrong. I prefer to get them there as it's one less thing to leave behind here

My 10 year old used gift cards for her money again this trip and it worked very well. She kept tabs on her own balance and had to work her budget to last the whole trip and it worked really well
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Old 09-30-2012, 07:04 AM   #10
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CC for purchases over the counter, restaurants, gifts, hotels etc...

then use a pre-pay card to take cash out at ATM's

as CCs will charge you daily to take cash out on it.
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Old 02-01-2013, 08:59 AM   #11
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We are really lapse this time.only have £500 on one fairfx card. Dollor to £ not too good at the mo. will still take £ 1300 half cash half TC and another £600 on the other fairfx card . Can top up faifx whilst away. Did it last time goes on straight away.
Never had an issue with TC but I know some dnt like them

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Old 02-01-2013, 02:35 PM   #12
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Last time we took $300 in cash and came back with some (don't usually take that much but one of my work colleagues came back from NY with unspent $$ so I bought it a very good rate!)

We only use cash for tipping bell services, tolls and a few sundries.

The rest either goes on the PO CC or our room charge settled by our US debit card. We got a rate of $1,63 while we where away in December

I have no issues with budget - I know where we are going to eat roughly and that's our main expense. We don't shop and are not big snackers so we really don't overspend.
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Old 02-01-2013, 02:39 PM   #13
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Is the PO card one of those with flat (printed) numbers or bumpy (embossed), traditional credit card type?

If you catch my meaning!

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Old 02-01-2013, 05:44 PM   #14
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Is the PO card one of those with flat (printed) numbers or bumpy (embossed), traditional credit card type?

If you catch my meaning!

I think, on this thread, we are all referring to the Post Office Credit card, which is a normal credit card (Mastercard) in every sense of the word and yes, it does have bumpy numbers and lettering
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Old 02-02-2013, 02:44 AM   #15
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so i can buy these gift cards at disney and pay with the pre paid cash card

when you say about carrying id do you have to show your id when you pay with credit card??

the gift cards will be good for the kids money aswell thankyou
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