Author: rex ([email protected])
Date: 12/05/2005, 07:01 am
I think that the term "dimwitted" was mildly in self-mocking jest, as used by the OP. Meant nothing by repeating it.

no offence taken as none was intended. you were correct, i was being self deprecating.


Author: SusanP
Date: 12/05/2005, 11:48 am
subcon, I hope you don't mean you're going to use a credit card for ATM withdrawals. That is taking a cash advance and incurs very high interest rates that start immediately.

yes, i know that. i neither have nor want a debit card since i pay all my balances in full at the end of the month. i never use atms in the US. when i know i'll be overseas, i simply overpay the previous month's bill by what i feel i'll need in atm withdrawls and thus avoid incurring finance charges. this functions the same as a debit card without having to tote another piece of plastic.

but that's a good "heads up" for other readers...

thanks

subcon, That's interesting. I'm surprised they will accept an overpayment and hold it like that. A couple of times when I've returned something and ended up with a credit on a credit card account, they have sent me a check immediately, not held it to use against future charges (although that wasn't Capital One).

I've never heard of a card issuer who didn't charge a "Cash Advance Fee" even if the account had been loaded with the cash beforehand.

Read the fine print in your Cardholder Agreement very carefully if you intend to do this.

subcon,

That's clever. I had not heard (or thought) of overpaying. Have you done it before? I'm curious because I have a CapitalOne Visa too. A lot of people here on Fodors say the Cap. One card has the lowest fees on purchases overseas.

I have avoided ATM percentage charges by using ATM cards (I always bring two-from two different banks) with NO Visa or M/C affiliation or logo. Just a basic ATM card.