Credit Cards Watch out when using your credit card abroad. Page 2

Our advice is that when abroad in France, Italy or

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Spain, always insist that your credit card transactions are processed in euros. That's because some UK card operators such as Saga, Lombard Direct and ( term assurance ) Nationwide will convert euros to Sterling completely free of charge. Others, such as cards from our high street banks, do charge a mark up of 2.75% called a foreign currency loading fee - but even that's cheaper than the retailers 4% dynamic currency conversion charge.

In fact even with a 2.75% loading fee, it can still be cheaper to shop with your credit card rather than converting your cash before leaving these shores or converting it abroad at the bureau de change. That's ( mortgage quotes ) because the exchange rates used by ( cheap mortgages ) Mastercard and Visa are often far better than you can get for your cash and travellers cheques. And don't be fooled by the commission free slogans outside the bureau de change. They might not charges fees but their currency rates are never too cheap - after all, how else can they make a profit?

And here's another bit of useful advice. Unless you have an emergency don't use ( car insurance policy ) your cards to withdraw local currency. That's because you'll be charged interest from the minute the cash leaves the cash dispenser. Remember, there's no ( cheap loans ) interest free period on cash withdrawals.

Your home may be repossessed if you do not keep up your repayments on a mortgage or any debt secured on it.
Loans may be secured on your home or other property. Think carefully before securing other debts against your home.
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