Re: What else do I need

On Wed, 20 Aug, Tom Crispin <> wrote:

Nationwide Anglia has a comission free CC. I always put a couple
of hundred pounds into my account so they can't charge a "cash
advance" fee for a cash withdrawal. It doesn't stop them trying -
but when the statement comes through with a "cash advance" fee I
politely point out that they can't "advance" money which is already
mine. And when they say that I shoudn't put my credit card account
into credit I ask why it's called a credit account. About that
time they give up and say that as a gesture of goodwill they will
waive the "cash advance" fee. I don't bother to explain that
waiving a "cash advance" fee when there has been no "cash advance"
is a nonsense, and what they are doing is refunding a fee which
shouldn't have been charged.

According to their terms and conditions, they are in the right, and
you are in the wrong. The fee termed 'cash advance' fee is for making
a withdrawal of cash, irrespective of the state of the account - your
argument is no more coherent than that of the rec.transport berks who
claim that "mandatory cycle lane" means cyclists have to use it. The
meaning is clearly defined in the technical documents, and does not
rely upon an amateur guessing what the terminology might mean in other
circumstances.

It irritates me (possibly irrationally) when people who are in the
wrong crow about getting one over someone who is actually in the
right, but has not insisted on the truth.

Anyway - putting a Nationwide Anglia credit card account into
credit is an excellent way to get cash abroad, even if you do end
up paying their 2.5% (minimum 3) "cash advance" fee. That is the
only fee you will pay and they use a real exchange rate - not a
"buy at" and "sell at" rate.

This is true - it's a good card to use abroad. The only slight fly in
the ointment is that apparently some merchants (car hire firms seem
prone to it) might try and charge you in sterling and use their own
less pleasant exchange rates. If you have a credit card with good
overseas conditions, it's worth checking that the transaction is
happening in the right currency. Unless it's an urban myth - it's
not happened to me, but a friend of my sister's neighbour's cousin
said to her...

regards, Ian SMith
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