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Old 09-30-2012, 07:04 AM   #16
iHEARTflorida
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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 09-30-2012, 08:32 AM   #17
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Quote:
Originally Posted by wayneg View Post
Its rarely mantioned because its generally a bad way to spend in the US. You need to check very carefully the fees involved. I personally bank with the Halifax, if I used my debit card I would be charged 2.75% & £1.50 everytime I used it. As I use my card multiple times a day I would be charged a small fortune with them.
Often cards are advertised as no fees but they have a coversion fee worked into the rate, these fees are harder to spot. Martin Lewis has a good guide on his website but its down just now.

Buying goods and services in a foreign currency
If you use your debit card to withdraw cash or pay for goods and services in a currency other than sterling, the exchange rate we use will be
the Visa Reference Exchange Rate. We will charge a foreign exchange fee of 2.75% of the amount of the transaction and a £1.50 fee for each
payment or withdrawal.
Personally I find it a good way to spend in the US. I bank with HSBC and find that even with the various charges involved, the end result - ie the amount in sterling on my bank statement for each transaction, converted to work out the exchange rate - compares favourably with exchange rates on credit cards or when buying cash.

I think perhaps that the various charges etc put people off and make it seem a bad option when that may not necessarily be the case. But, as with everything, I always look at the total overall cost, and for me using my debit card works out better financially. I certainly would not do it if it didn't work in my favour - I'm Yorkshire born and bred!
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Old 09-30-2012, 11:44 AM   #18
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Quote:
Originally Posted by tigger137 View Post
Personally I find it a good way to spend in the US. I bank with HSBC and find that even with the various charges involved, the end result - ie the amount in sterling on my bank statement for each transaction, converted to work out the exchange rate - compares favourably with exchange rates on credit cards or when buying cash.

I think perhaps that the various charges etc put people off and make it seem a bad option when that may not necessarily be the case. But, as with everything, I always look at the total overall cost, and for me using my debit card works out better financially. I certainly would not do it if it didn't work in my favour - I'm Yorkshire born and bred!
HSBC are not quite as bad as Halifax, they charge 2.75% but not no fixed fee per transaction.

This last trip we spent £2,000 over 83 transactions:
Using Halifax Debit card would have cost me £179.50 in fees
HSBC Debit card £55 fees
Post Office Credit card no fees.

To me £55 fees on £2,000 is high when I can use a card that is free but to others it is not, 2.75% is acceptable.
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Old 09-30-2012, 12:34 PM   #19
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But you also have to take into account the exchange rate and that's something you can't predict. It might work out it your favour overall, including the fees, or it could go against you.
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Old 09-30-2012, 01:50 PM   #20
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Does anyone apart from me just take a big fat envelope of $100s, $50s and $20s with them anymore?

(That said last time I went i had a pre-paid Paypal VISA card to use for the rental swipe and my food / gas budget )
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Old 09-30-2012, 01:57 PM   #21
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Quote:
Originally Posted by bazzanoid View Post
Does anyone apart from me just take a big fat envelope of $100s, $50s and $20s with them anymore?

(That said last time I went i had a pre-paid Paypal VISA card to use for the rental swipe and my food / gas budget )
I used to til I lost my wallet with over £500 in, always use cards now, my insurance only covers upto £300 (many cover even less)
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Old 02-01-2013, 04:42 AM   #22
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ok so mine and dh post office credit cards have arrived i got approved a much bigger limit than i expected ( TBH i was suprised they even approved it at all)

so we have some emergency back up there but i do think i would prefer a pre paid card im looking at the fairfx and the post office one ,i want to ideally draw out my daily budget in cash everyday so from what i understand both cards will charge me to do this , fair fax slightly less

i just struggle to keep tabs on what im spending unless i have cold hard cash in hand

i want to get it soon so i can top up monthly before we go
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UK SPENDING GAME NUMBER 13
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£130 bagged coins

-----
£174 total taken out of tin so far


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Old 02-01-2013, 05:40 AM   #23
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Quote:
Originally Posted by wayneg View Post
I used to til I lost my wallet with over £500 in, always use cards now, my insurance only covers upto £300 (many cover even less)
That was my turning point too, 2 years ago when I lost my mini cross the body purse in MK during a parade I was fortunate enough to get it back but it had a substantial sum of cash in it and it was a very sobering lesson! I do still take cash but never more than the cash limit my travel insurance covers me for (which is also £500 as yours is Wayne).
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Old 02-01-2013, 08:42 AM   #24
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as much as i prefer using cash when on a budget taking enough cash for 22 days is not practical , i will probably draw 2/3 days worth of money out at a time to avoid atm fees on the prepaid card , or maybe take 3 seperate cards one for each week ??
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[COLOR="Magenta"]carribean beach
wyndham orlando/clearwater hilton
disney paris- hotel sante fe 2008
port orleans riverside/ lake buena vista/miami/keywest + marathon/clearwater beach aug 2013

planning next trip 2014???



UK SPENDING GAME NUMBER 13
£44 bagged coins banked
£130 bagged coins

-----
£174 total taken out of tin so far


<a href="http://distickers.com/ticker/"><img src="http://distickers.com/ticker/tickers/yekt2jpwokcyjp9o.png" alt="DIStickers.com Ticker" border="0"/></a>


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Old 02-01-2013, 08:59 AM   #25
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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, 11:51 AM   #26
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Quote:
Originally Posted by bex7583 View Post
as much as i prefer using cash when on a budget taking enough cash for 22 days is not practical , i will probably draw 2/3 days worth of money out at a time to avoid atm fees on the prepaid card , or maybe take 3 seperate cards one for each week ??
I've posted this elsewhere a few times, but to avoid that ATM charge on a regular basis, at least while you are onsite at Disney, gift cards are a good solution. I just loaded gift cards in the resort shop with a couple of hundred dollars every few days and used those. The cash I took with me I kept to use for things where you cant use a Disney gift card (and there aren't many) like some food carts and mousekeeping tips. It also saved me carrying my ID around to use a card every time I wanted to pay
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Old 02-01-2013, 02:35 PM   #27
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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   #28
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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, 03:04 PM   #29
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Quote:
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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.
We are the same - barely take cash, use CC (no charges) for almost everything. We take $100-250 for the 10-12 days we are out there (for the odd tips, cab ride, soda etc.) and always bring some back. We could take cash out from an ATM out there but have never needed to.
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Old 02-01-2013, 05:44 PM   #30
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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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