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topping up a credit card

  • 27-12-2005 4:19pm
    #1
    radioman
    Closed Accounts Posts: 385 ✭✭


    Hey all,

    am off on my hols to France next week. I don't have a Cirrus card so I'm thinking of sticking a grand into my credit card (it's clear at the moment) and using it as an atm card when I'm over there. Just wondering will I get stuck with the €1.50 cash advance fee every time I withdraw, even if my account is in credit

    cheers


Comments

  • #2
    CCOVICH
    Closed Accounts Posts: 240 ✭✭CCOVICH


    radioman wrote:
    Hey all,

    am off on my hols to France next week. I don't have a Cirrus card so I'm thinking of sticking a grand into my credit card (it's clear at the moment) and using it as an atm card when I'm over there. Just wondering will I get stuck with the €1.50 cash advance fee every time I withdraw, even if my account is in credit

    cheers


    You shouldn't, but check the Ts and Cs of your own card, as it tends to vary.


  • #3
    johnnyrotten
    Registered Users, Registered Users 2 Posts: 3,595 ✭✭✭johnnyrotten


    Get a Switcher A/C with Permanent TSB. Cash withdrawals free with the Laser card.


  • #4
    radioman
    Closed Accounts Posts: 385 ✭✭radioman


    cheers

    yeah if I thought of this earlier I'd have applied for the Switcher a/c


  • #5
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    Don't you have to pay conversion rates on the credit card ?


    Edit ... yeh... so it's euro now ... I'll go back to bed ...


  • #6
    Merik
    Closed Accounts Posts: 17 ✭Merik


    Hi

    I'm speaking from AIB credit card experience only.

    I've done this a few times when I was going on holidays to visit friends in Asia. Put the credit card into credit. Any money I've withdraw from a bank machine using the credit card did not accumulate a cash advance fee. Am sure I've read this over the years which was the reason I did it in the 1st place :)

    Everything was billed in local monies and converted by AIB to the euro amount on my statement, the conversion rate appeared on the tatement I think, again the conversion rate is up to them, its probably based on the rate that day that they advertise. Again no way to avoid that.


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  • #7
    RainyDay
    Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    Note that there is a security risk in pre-loading your credit card. If your card is stolen and abused, you may find that the pre-loaded amount is treated differently by the bank when you come looking for your money back. Speak to your own bank and check the T's & C's for more details.


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