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Paying off Credit Cards Abroad

Travel Forums General Talk Paying off Credit Cards Abroad

1. Posted by samsara_ (Travel Guru 5353 posts) 10y

Hi everyone,

I should get off my ass and go into the bank to ask this question, but you just know there's always someone at TP ready with an answer! ;)

After 8 months on the road I'm finally having to dip into my credit cards. Ive never had to do this whilst travelling before (or always just paid them off when I came home). My question is: Is it relatively straightforward to pay off credit cards from a foreign bank? Is it just a matter of giving them the credit card details? Is it even possible? Do I have to pay it off from home?

Ok that's four questions.

Any help would be great! :)

Thanks!

Evelyn

2. Posted by Taffski (Travel Guru 182 posts) 10y

Hi Evelyn,

Depends on the credit card and the bank as sometimes they can sting you for charges etc.

How do you currently pay off the card? Do you have a DD set up from your current account or do you pay by post etc.?

If you tell me your credit card type(s) (Egg, Nationwide etc.) and how you currently pay them off (if at all :) ) that would be helpful.

Also, will you be transferring money in a different currency? This will also impact the amount you'll need to transfer!

No Acc. numbers etc. justbasic details (but I'm sure you knew that anyway!):)

cheers
Taffski

3. Posted by john7buck (Respected Member 458 posts) 10y

Hi Evelyn,

I have experience with paying off credit cards (or at least paying the minimum balance) from abroad. I'd recommend that you check with the credit card company to see if you can set up an account allowing you to make on-line payments. I'd imagine in this day and age, almost every credit card company would have the ability to do this.

After that is set up, you can just pay your bill on-line. I'm a little hazy on the details of your question, but I believe the Internet is the answer.

Hope that helped;)

4. Posted by Jase007 (Travel Guru 8870 posts) 10y

Hi Evelyn,
I had a similar problem 10 years ago. I found out after a nice spending spree that i could spend in every shop/country in the world but could only pay off the visa back in NZ.
Just as well things have moved on, you can pay online as long as your card is registered for those purposes (easy to do).
If you have an AMEX (not a bank issued one) you cxan pay at any AMEX exchange.
Hope it helps,
Jase

5. Posted by mdancy (Full Member 104 posts) 10y

Hi,
While traveling this last time, I set everything up on auto payments, including the credit card. I had the cc linked to my checking account and set up a monthly automatic payment of a set amount. Never had to worry about bills, etc., when we roaming around.

Martha

6. Posted by samsara_ (Travel Guru 5353 posts) 10y

Hi guys,

Thanks for all the feedback. I have a Mastercard which I have kept in credit by thousands up to now. This week I have finally gone into the red. :( and am now faced with the question of how I pay it off.
I have internet banking but again, that is for my Irish account...transferring money from my current accounts into my card.

I have just opened an ANZ a/c here in Auckland and wanted to maybe transfer money from that into my Mastercard.

But IN THE END I will jsut have to get off my big ass and go the bank and find out! LOL!

Thanks everyone for the tips! ;)

x
Ev

7. Posted by Taffski (Travel Guru 182 posts) 10y

Hi Ev,

OK... now I can help (I think!) :)

I too have an ANZ account from when I was in Oz. There is an international telegraphic transfer service available in internet banking (You have to request it though). Once set up this will allow you to transfer up to $5,000 (you can request to change this!) direct to the UK without having to phone the bank etc.
For UK & NI Payments you'll need to set up the payee in the International pay anyone payee list and then you'll only need your sort code, Account Name and number and Branch Name & Address.

This is for your current account, however, if you have already a DD set up on your current account to pay your credit card then no problems.

If not, then phone the credit card company and find out if they'll accept Telegraphic transfers direct to your account.

If you're in the ROI, then I think it's the same as the above. I've not done it however it should be the same concept... although I'm currently in the ROI working for PTSB :)

They charge you for each transfer (a flat rate of $22 which is very good to be honest!) so try and transfer as much as possible each time you do so.
Also the Exchange rates they offer are pretty good :
current rate = 0.5994 euro, = $1 AUD
ANZ rate = 0.5884 euro = $1 AUD

Hope this helps and if you've got any more questions, drop me a line :)
Taffski

8. Posted by samsara_ (Travel Guru 5353 posts) 10y

Fantastic news Taff! Thanks. Ill get straight on to that tomorrow. Why in God;s name are you working for PTSB! They're only a bunch of gangsters! Not like the fine ppl at ANZ.

Hope you're enjoying your time in Ireland. Where are you exactly?

Ev

9. Posted by Taffski (Travel Guru 182 posts) 10y

Hi... in Dublin (St Stephens Green)
Working for PTSB (yep... cowboys is the word... trust me, Any mortgage advice and I'll gladly help... i.e. don'ty get one at the moment... :)) Anyway, short term contract til end of Oct then will be heading with the missus to SA in mid Nov (starting in BA) and then to Ushuaia to catch the "ship to nowhere" (check out the posts on remote places!) That should take us to South Africa (hopefully), where we'll then decide what to do next :)
I'm assuming you're from the Republic then?
anywhere nice?
Taffski.