kruzseeka Posted May 22, 2023 #51 Share Posted May 22, 2023 6 minutes ago, Winifred 22 said: I opened an account just for cruising with them for the insurance and the £40 upgrade cover. Their credit and debit cards do not attract foreign transaction charges either. Sail with Cunard so this is an extra win as all onboard is in dollars. Yes and that's another plus - also we were told it's as near perfect exchange rate (to Bank exchange rates) as you could hope for so much better than High Street travel money rates. Just have to bear in mind that cash withdrawals incur interest charges from the day of the transaction so we always settle up as soon as we're home and don't wait for the CC bill which can be several weeks later generating more interest charges. Link to comment Share on other sites More sharing options...
kruzseeka Posted May 23, 2023 #52 Share Posted May 23, 2023 13 hours ago, kruzseeka said: Yes and that's another plus - also we were told it's as near perfect exchange rate (to Bank exchange rates) as you could hope for so much better than High Street travel money rates. Just have to bear in mind that cash withdrawals incur interest charges from the day of the transaction so we always settle up as soon as we're home and don't wait for the CC bill which can be several weeks later generating more interest charges. Important correction: I've just been looking at getting a Nationwide credit card and whilst Winifred 22 is quite correct in saying there is no charge for transactions abroad it seems that now cash withdrawals do attract a charge. Apologies for the previous misinformation. Extract from N/W site: Cash withdrawals in a foreign currency outside the UK Non-sterling transaction fee n/a Cash fee 2.5% of the transaction amount (min £3.00) Also just checked the Halifax site to be sure I'm not giving more duff info! When it comes to money - best get it right!!!!! Halifax Clarity Credit Card No fees when you travel and one simple rate for the things you buy 0% fee to withdraw cash Interest charges apply and some ATM providers may charge a fee 0% fee for using your card abroad Interest charges will still apply. Link to comment Share on other sites More sharing options...
Winifred 22 Posted May 23, 2023 #53 Share Posted May 23, 2023 8 hours ago, kruzseeka said: Important correction: I've just been looking at getting a Nationwide credit card and whilst Winifred 22 is quite correct in saying there is no charge for transactions abroad it seems that now cash withdrawals do attract a charge. Apologies for the previous misinformation. Extract from N/W site: Cash withdrawals in a foreign currency outside the UK Non-sterling transaction fee n/a Cash fee 2.5% of the transaction amount (min £3.00) Also just checked the Halifax site to be sure I'm not giving more duff info! When it comes to money - best get it right!!!!! Halifax Clarity Credit Card No fees when you travel and one simple rate for the things you buy 0% fee to withdraw cash Interest charges apply and some ATM providers may charge a fee 0% fee for using your card abroad Interest charges will still apply. Oh that’s interesting about the Halifax I have accounts there too and Clarity card. I never use either debit or credit card for cash withdrawals I just use it for spending in shops , excursions etc.. Thanks for extra info. I know Halifax travel insurance doesn’t give you the option to upgrade and add cruise cover. 1 Link to comment Share on other sites More sharing options...
kruzseeka Posted May 23, 2023 #54 Share Posted May 23, 2023 47 minutes ago, Winifred 22 said: Oh that’s interesting about the Halifax I have accounts there too and Clarity card. I never use either debit or credit card for cash withdrawals or I just use it for spending in shops , excursions etc.. Thanks for extra info. I know Halifax travel insurance doesn’t give you the option to upgrade and add cruise cover. We wouldn't normally use a CC for cash withdrawals but have used our Clarity Card for cash (eg in Istanbul) when we only wanted a small amount or if visiting a number of countries rather than trying to guess how much of multiple currencies to take with us. Most places including cafes will take cards these days so we try to avoid cash if possible. We use our N/W account mainly for the travel insurance - not as our primary account. Link to comment Share on other sites More sharing options...
tring Posted June 3, 2023 #55 Share Posted June 3, 2023 Well I have just got a reply to my enquiry about port times for our September cruise on Aurora, which gives the expected arrival departure times as was reported by a couple of other people on this thread. My enquiry was sent on 21st May and I have copied and pasted the reply below:- Thank you for your email. Please see below all the scheduled port times for your upcoming holiday on board Aurora, Please note this is just a guideline and timings will be confirmed once on board. P Itinerary D Date Day Arrive Board Sail M SOUTHAMPTON 03SEP23 SUN 0100 P 0600 P AT SEA 04SEP23 MON AT SEA 05SEP23 TUE AT SEA 06SEP23 WED AT SEA 07SEP23 THU AT SEA 08SEP23 FRI SYDNEY NS 09SEP23 SAT 0800 A 0530 P 0600 P ILES DE LA MADELEINE 10SEP23 SUN 0800 A 0530 P 0600 P CHARLOTTETOWN 11SEP23 MON 0800 A 0530 P 0600 P AT SEA 12SEP23 TUE AT SEA 13SEP23 WED BOSTON 14SEP23 THU 0600 A BOSTON 15SEP23 FRI 1129 P 1159 P AT SEA 16SEP23 SAT NEWPORT 17SEP23 SUN 0800 A 0530 P 0600 P NEW YORK 18SEP23 MON 0630 A NEW YORK 19SEP23 TUE NEW YORK 20SEP23 WED 0430 P 0500 P AT SEA 21SEP23 THU PORTLAND 22SEP23 FRI 0800 A 0630 P 0700 P BAR HARBOR 23SEP23 SAT 0800 A 0530 P 0600 P AT SEA 24SEP23 SUN HALIFAX 25SEP23 MON 0800 A 0530 P 0600 P AT SEA 26SEP23 TUE ST JOHNS NF 27SEP23 WED 0800 A 0530 P 0600 P AT SEA 28SEP23 THU AT SEA 29SEP23 FRI AT SEA 30SEP23 SAT AT SEA 01OCT23 SUN AT SEA 02OCT23 MON M SOUTHAMPTON 03OCT23 TUE 0600 A I hope this has helped give you an idea of the timings. Kind regards, Emma Guest Support Representative I cannot complain about that and not a bad time to wait either. I had asked soon after our final payment for the cruise, which was suggested by another poster. Thanks again to the people who reported they had asked for their port times. Barbara Link to comment Share on other sites More sharing options...
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