Neil Down Posted November 11, 2017 Share Posted November 11, 2017 8 minutes ago, Rhumsaa said: thought I was being quite reasonable in my response tbh "So there's my reason for looking at one and really it's none of your business" - correct, it is none of my business but you were the OP on this. My comment was just my opinion. A question normally requires an answer... Link to comment Share on other sites More sharing options...
Rhumsaa Posted November 11, 2017 Author Share Posted November 11, 2017 1 minute ago, Neil Down said: "So there's my reason for looking at one and really it's none of your business" - correct, it is none of my business but you were the OP on this. My comment was just my opinion. A question normally requires an answer... Q - Where can I get a credit card A - Don't get one, just save up ....my question remains unanswered by you - I still need to know where I can get a credit card Link to comment Share on other sites More sharing options...
Bobbie Bobster Posted November 11, 2017 Share Posted November 11, 2017 13 minutes ago, Rhumsaa said: thought I was being quite reasonable in my response tbh Agreed. Check out Revolut https://www.revolut.com/ if you're travelling. It's a prepaid card, so not exactly what you're lookign for, but you could save quite a bit on their interbank FX rates which are likely to be cheaper than any other type of retail FX you can access. Immediate top-up via debit card or via direct bank transfer (can take a couple of days) Available to IoM residents. Card now includes NFC chip. £200 ATM withdrawal per month without fees. No account maintenance fee (bar £5 for the card up front). Links in with an app to monitor real time transactions. Interbank FX rates up to £5k per month, then 0.5% fee. No connection apart from a satisfied user. ETA: today's rates are 1.1247 EUR and 1.3121 USD Link to comment Share on other sites More sharing options...
Rhumsaa Posted November 11, 2017 Author Share Posted November 11, 2017 Just now, Bobbie Bobster said: Agreed. Check out Revolut https://www.revolut.com/ if you're travelling. It's a prepaid card, so not exactly what you're lookign for, but you could save quite a bit on their interbank FX rates which are likely to be cheaper than any other type of retail FX you can access. Immediate top-up via debit card or via direct bank transfer (can take a couple of days) Available to IoM residents. Card now includes NFC chip. £200 ATM withdrawal per month without fees. No account maintenance fee (bar £5 for the card up front). Links in with an app to monitor real time transactions. Interbank FX rates up to £5k per month, then 0.5% fee. No connection apart from a satisfied user. Cheers Bobbie - actually ordered a Revolut card this morning! Link to comment Share on other sites More sharing options...
Neil Down Posted November 11, 2017 Share Posted November 11, 2017 Just now, Rhumsaa said: Q - Where can I get a credit card A - Don't get one, just save up ....my question remains unanswered by you - I still need to know where I can get a credit card Ah, in that case then, my answer is, Sorry Rhumsaa, I can't help you on that as I don't use them personally. I normally save up until I can afford the item. As it is not about an item but backup for travel, won't your normal bank card work. Mine has in places like Egypt. All I had to do was notify the bank that I was travelling so that they didn't think there were suspicious transactions on my account Link to comment Share on other sites More sharing options...
Tarne Posted November 11, 2017 Share Posted November 11, 2017 Ooh, I'm having one of those too! Link to comment Share on other sites More sharing options...
Bobbie Bobster Posted November 11, 2017 Share Posted November 11, 2017 Slight downside is that they have experienced occasional issues with one of their transaction processing partners over the past few months, so I've had 3 or 4 instances of transactions being declined since August. Possibly trying to grow too quickly as they've just launched business card services. Still very much worth it for the FX though. Link to comment Share on other sites More sharing options...
Rhumsaa Posted November 11, 2017 Author Share Posted November 11, 2017 Just now, Neil Down said: Ah, in that case then, my answer is, Sorry Rhumsaa, I can't help you on that as I don't use them personally. I normally save up until I can afford the item. As it is not about an item but backup for travel, won't your normal bank card work. Mine has in places like Egypt. All I had to do was notify the bank that I was travelling so that they didn't think there were suspicious transactions on my account I like to carry multiple cards in different wallets Also I like to keep my normal bank account not full to the brim with cash in case it's stolen And I am thinking I just want a credit card so that if the worst happens I can just bung it down to get a flight or whatever Link to comment Share on other sites More sharing options...
Annoymouse Posted November 11, 2017 Share Posted November 11, 2017 20 minutes ago, Rhumsaa said: thought I was being quite reasonable in my response tbh I needed mine for a deposit on car hire, it's a lot easier to get your money back with credit protection. It didn't stop people telling me I was an idiot and to start saving my own money rather than borrow someone elses. I'm with IOM bank and I had to jump through hoops trying to getting a credit card, eventually NatWest gave me one, despite the Victoria Street branch telling me it would be impossible as the regulation changed. I was refused by about 6 other companies, apparently my lack of credit history and IOM address were an issue. Ironically I had to take my ID into NatWest to be verified, again I as told I was wasting my time, I've had the card for 2-3 years without issue. Link to comment Share on other sites More sharing options...
notwell Posted November 11, 2017 Share Posted November 11, 2017 3 hours ago, Bobbie Bobster said: Slight downside is that they have experienced occasional issues with one of their transaction processing partners over the past few months, so I've had 3 or 4 instances of transactions being declined since August. Possibly trying to grow too quickly as they've just launched business card services. Still very much worth it for the FX though. My daughter has a Revolut card which was handy when she was travelling round Europe last year. It looks a decent enough card overall although I suspect you wouldn't want an issue as their customer services appeared to be based overseas if I remember correctly. Link to comment Share on other sites More sharing options...
Neil Down Posted November 11, 2017 Share Posted November 11, 2017 36 minutes ago, notwell said: My daughter has a Revolut card which was handy when she was travelling round Europe last year. It looks a decent enough card overall although I suspect you wouldn't want an issue as their customer services appeared to be based overseas if I remember correctly. I think to be fair, you would have trouble finding any customer services that weren't based overseas. Link to comment Share on other sites More sharing options...
JessTickle Posted November 13, 2017 Share Posted November 13, 2017 I have an HSBC and a Barclaycard. They both have nil balances as they are used for similar purposes as Rhumsa. What is the problem with them? Are they about to be taken off me? Link to comment Share on other sites More sharing options...
woody2 Posted November 14, 2017 Share Posted November 14, 2017 i use a direct debit credit card from my bank, its not linked direct to my main account and can just load the direct debit credit card account online or move back if not used..... Link to comment Share on other sites More sharing options...
Rhumsaa Posted November 20, 2017 Author Share Posted November 20, 2017 Picked up a card from Virgin - pretty painless process Thanks for the recommendations Link to comment Share on other sites More sharing options...
kevster Posted November 20, 2017 Share Posted November 20, 2017 On 11/11/2017 at 6:47 PM, Neil Down said: I think to be fair, you would have trouble finding any customer services that weren't based overseas. Mytravelcash (no longer available) had their support &customer services operation on the IoM Link to comment Share on other sites More sharing options...
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