Cashback credit cards

[eek]

Just a word of caution on the curve card. It breaks the direct payment relationship with the credit card provider and seller so you won't be covered by section 75 of the consumer credit act. Yes, there is chargeback but that's not a legal requirement.

The same is true of the supercard and any other prepayment Visa card. Useful to point out but not a deal breaker for bigger purchases (just use the Amex card directly).

[psychocandy]

Just a word of caution on the curve card. It breaks the direct payment relationship with the credit card provider and seller so you won't be covered by section 75 of the consumer credit act. Yes, there is chargeback but that's not a legal requirement.

Ah good point. Paypal is the same I understand.

Some credit card companies I wouldnt care but as I said I would trust AMEX if anything ever went wrong.

[eek]

Ah good point. Paypal is the same I understand.

Some credit card companies I wouldnt care but as I said I would trust AMEX if anything ever went wrong.

Surely it depends on the transaction. Many are utterly risk free and protection is not required others....

[TheBA]

The same is true of the supercard and any other prepayment Visa card. Useful to point out but not a deal breaker for bigger purchases (just use the Amex card directly).

Don't get me wrong, for day to day expenses it sounds like a great way to juggle multiple cards. But having been caught out by the same with PayPal I've always been wary and a lot of people don't find out until it's too late.

[WTFH]

So, how much better than a Clarity Card is the Supercard for foreign transactions?

[TheBA]

Also, section 75 does only kick in at £100 so we're not talking coffee/snacks on the train

[eek]

So, how much better than a Clarity Card is the Supercard for foreign transactions?

It's not. But we're you using a supercard and putting things on an Amex card for the points this allows you to do the same for uk transactions in £sterling.

As I think multiple people have stated above you probably want both, clarity for uk transactions and accurate recording of transactions by type (using their app). And supercard to minimize overseas transaction fees

[WTFH]

OK, I get the bit about the Amex points, but apart from that, Clarity is consistently the best performer for overseas transactions - no fees on foreign transactions (apart from cash withdrawals)

[eek]

OK, I get the bit about the Amex points, but apart from that, Clarity is consistently the best performer for overseas transactions - no fees on foreign transactions (apart from cash withdrawals)

Clarity has a 1% surcharge on the MasterCard exchange rate. Supercard was a 0% charge on the visa exchange rate (MasterCards rates are slightly better). There probably isn't much in it but the overseas cash withdrawal fee is reason enough to get a supercard

[FrontEnder]

Clarity has a 1% surcharge on the MasterCard exchange rate. Supercard was a 0% charge on the visa exchange rate (MasterCards rates are slightly better). There probably isn't much in it but the overseas cash withdrawal fee is reason enough to get a supercard

Are you talking about halifax calirity credit card? There's no charge on the exchange rate, you get the mastercard rate with no fees. No cash withdrawal fee either.

Halifax | Credit Cards | Clarity Credit Card

That's what I use on holiday.