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No fee forex credit card that can pay itself with pre-authorized debits?

I am looking for a card that can be automatically paid in full with a PAD every month and that has no fee on forex transactions.
I'm currently using the Home Trust Visa but their website is horrendous, and they can't do PAD payments. As a result, I occasionally forget to pay off my statements and have to pay interest.
So what is a card that doesn't charge anything to do transactions in a different currency (online or in person abroad) and can pay itself with a PAD?
submitted by zesijan to PersonalFinanceCanada [link] [comments]

Most economical way of paying off student loan from overseas.

I searched through this subreddit and was surprised to see this hasn't been discussed at much length (or I am bad at searching).
I am living overseas in Canada and am being charged 3.5% interest on my student loan balance so I'd like to now start paying it off ASAP.
From what I can see there are a number of possible methods for paying off a student loan from overseas:
I put together a quick table summarizing my options, calculated at 07:00 EDT - 9/8/20. Some things to note:
Method Fee Send Amount (CAD) Recieve Amount (NZD) Notes
TransferWise $8.79 $891.60 $1,000.00
Western Union $0.00 $908.30 $1,000.00
Orbit Remit $0.00 --- --- CAD Not Available
XE $0.00 ? $1,000.00 Website Down
OFX $0.00 $887.67 $1,000.00
Credit Card $0.00 $896.33 $1,000.00
Credit Card $12.72 $909.05 $1,000.00 IRD Convenience fee included (1.42%)​
Direct Debit $0.00 $904.10 $1,000.00
I have a few questions:
submitted by middayjester to PersonalFinanceNZ [link] [comments]

Moving to London from Canada (30y/o) and looking for the basics: bank account, phone plan, credit card, etc.

Greetings from /PersonalFinanceCanada !
I am looking to move to the UK in the coming months to live with my partner who is working in London. I am able to telework/remote work from the UK with my current Canadian job that pays in Canadian dollars. I have a work Visa for the UK, but am not looking just yet. The pay is good enough, even with the low dollar, high pound, to get by in London.
I am hoping some of you can offer some words of wisdom to a financially prudent individual with little knowledge of the UK system. I am looking for a good cellphone plan (I already own a phone, just just a month-by-month or 1-year contract max), an easy bank to open that ideally offers a credit card that I can get with no UK-credit history (I have great Canadian credit history), and any other tips that may aid me in this move.
So, for example, any promos from banks or credit cards that are work looking into?
I also understand that there are more bills in the UK (property tax, water, heat, electricity, etc.) and many cannot be paid by credit card, but through a current/checking account. How does one best set up their finances for this?
Since I'm paid in CAD$ not GBP, I will be transffering using TransferWise the basic amounts I need to get by in London for now, and perhaps using a no fee FOREX credit card for daily purchases.
Thank you all!
BONUS Q: anyone with knowledge of taxation across Canada-UK, please share. Given I'll be teleworking and paid in CAD$, the UK gov't wont even necessarily know I'm living there, but want to make sure I dont have to pay 2x the tax. :S
submitted by personalfinance21 to UKPersonalFinance [link] [comments]

Which card is best for traveling abroad? Debit card, credit card, Forex card. And how can an ordinary person get a Forex card?

submitted by Tohid_Abir to ask [link] [comments]

12K in credit card debt, no savings or checkings. Forex problem

The past 3 years I have been losing money trading forex. I would make money for a week working, Say 800. So I would put 100 in, lose it, chase my losses, deposit another 200 etc. So over the years I have lost 30k trading. Fast forward today, I just blew my savings last night. I now have no money to my name and on top of that I have credit card debt of 12k.
What are you supposed to do when you get late fees for not being able to pay your monthly bill? Also I have been hiding this debt and my trading addiction from my family, and friends but mostly my father who is going to kill me. How do I tell him I lost all this money without him losing his shit and whats the point even if telling him is not going to change the fact that the money is gone.
submitted by jewisheggmilk to personalfinance [link] [comments]

travelling to Singapore for 3 months, which debit/credit/forex card would you recommend?

I'm gonna be in singapore for atleast 3 months, and i have no idea which card to use to minimize transaction or hidden fees.
Right now i am using icici Ferrari platinum credit card.
submitted by jerrygoyal to india [link] [comments]

Forex vs Credit card?

does anyone know any benefits of forex card (such as HDFC bank MakeMyTrip Forex card ) over a credit card (say a credit card which offers 2% markup instead of 3.5%) ?

HDFC bank MMT forex card with zero issuance fee: :

HDFC Diners black offers 2% markup

  1. So if make transactions worth 10,000 INR on diners black, it will charge me 10,200 INR. correct? (diners black may not be accepted everywhere though)
  2. What would be the equivalent charges on 10,000 INR money load for forex card? Where can I check this?
submitted by rents17 to IndiaInvestments [link] [comments]

🎁✅ Give It Away Free ✅🎁 This FREE Trading System Finds $1000+ Trades Almost Every Single Day. You can get this trading system for FREE today... PLUS three days of professional Forex training. This is a free service, no credit card required.

🎁✅ Give It Away Free ✅🎁 This FREE Trading System Finds $1000+ Trades Almost Every Single Day. You can get this trading system for FREE today... PLUS three days of professional Forex training. This is a free service, no credit card required. submitted by MdNursyazwi to GiveItAwayFree [link] [comments]

🎁✅ Give It Away Free ✅🎁 This FREE Trading System Finds $1000+ Trades Almost Every Single Day. You can get this trading system for FREE today... PLUS three days of professional Forex training. This is a free service, no credit card required.

🎁✅ Give It Away Free ✅🎁 This FREE Trading System Finds $1000+ Trades Almost Every Single Day. You can get this trading system for FREE today... PLUS three days of professional Forex training. This is a free service, no credit card required. submitted by Bumiputera to u/Bumiputera [link] [comments]

HDFC Bank blocked and disabled my credit card for alleged "forex trading".

A year and a half ago, I got a call from a person from HDFC bank who offered me a free no yearly fee credit card. They said that since you have a salary account with us, you are eligible for this offer.
I was not specifically looking for a credit card, but since they said it was free, I agreed. So after a few calls, they sent a card home. The card had a limit of ₹100,000, but was of Diners, so was not accepted in most of the places. No wonder, I didn't use the card much.
A few days from that, a dude calls me and tells me that out of the ₹100,000 limit you got, ₹15,000 is blocked and unusable. To unblock that amount, you have to purchase a health insurance policy from us for two years, and after two years, you will get back the whole ₹15,000 as reward points which you can withdraw or use. This is where things started to get a bit fishy. When purchasing the card, this wasn't told to me. They also added a card protection plan called OneAssist, worth around ₹2000, which wasn't also told to me in the beginning.
So I asked the guy what will happen if I don't purchase the policy. He told we are going to charge ₹15,000 from you anyway (a big red flag), so it's better that you purchase the policy from us. You are getting it essentially for free, since you will get back the amount after two years.
I didnt have a health insurance policy then, and the rate they were offering was comparable to the rates provided if I buy the policy independently, so I agreed. They started charging every month around ₹650 (₹500 principal + around ₹150 interest + taxes) and this was to go on for 2 years.
But it didn't. Last month, they blocked and closed my credit card. I got no intimation about it from them either via phone or email, and I had to call them and wait for 30 minutes before I could speak to an actual human being and know what happened. The outstanding of the health insurance amount was foreclosed (amounting to around ₹6500 with charges and taxes) and I was liable to pay for it by the end of free credit period.
I was told that my card was disabled because of forex trading on 13th of August. When I asked there is no transaction on that particular date, they told that the system detected it was a illegal transaction, and blocked it right away. I am pretty sure that they were outright lying, I rarely used the Diners credit card for anything, statement after statement, the only charge was that of health insurance emi. I kept it only for emergency purpose, incase I suddenly need cash someday.
I know this was pretty much a scam, just to sell the health insurance policy and that OneAssist thingy that no one will otherwise buy. Question is, is there something I can do about it, legally? When I asked them about proof that some illegal transaction took place, like the online website where that transaction happened, they said they can't disclose it.
How to prevent getting duped by such scammy procedures? And can banks close credit cards right away, without giving any proof to customers? What if the outstanding was a high amount, which I wouldn't be able to pay in a month? Can they foreclose emis at their will, and make their customers go under debt trap?
submitted by srvmdk to india [link] [comments]

Lost credit card and they can’t ship it to me, is it possible to get a Forex card whilst IN India, as a foreigner?

I have had a look around and Axis bank seemed to be offering an India travel card exclusively for tourists. However when I located a branch they no longer offered the service.
Has anyone else been to India and got a Forex card whilst in the country?
Thanks in advance. No worries if not, I have two debit cards I just wanted to keep fees to a minimum.
submitted by zz-zz to backpacking [link] [comments]

If I have a no-forex-fee US credit card, does it make sense to use it right now in Canada since I'm basically paying 69% of the price (since I'm not losing anything to conversion fee)?

I have the Bank Amerikard travel VISA, which has no foreign transaction fee for credit card payments. Does it make sense for me to use it for all my credit card uses in Canada at the moment when it's 1.45:1? Is there any reason for me NOT to do that?
submitted by deanat78 to PersonalFinanceCanada [link] [comments]

Zero forex fees on Canadian Credit Cards?

Hi all, wondering what everyone's experiences are with foreign exchange fees on Canadian CCs when using them abroad? I'm trying to get an idea of the cards that don't charge these fees.
submitted by TravellingBeard to PersonalFinanceCanada [link] [comments]

Best Credit Card with no forex fees?

Hey all,
Any advice on what the best credit card is that doesn't have forex fees?
I currently have the MBNA card with the cash back and a PC but both of them have forex fees, looking for one to use while traveling that also has the other perks (i.e. rental car insurance) as well as some sort of rewards (cashback or travel points preferred)
submitted by cakeandcounciling to FrugalTO [link] [comments]

FINANCE IDEAS – Portal of Debt Consolidation, Currency trading, Forex market, Currency Market, Market Trading, Foreign Currency Online, Finance Advisory, Credit Cards Online, Finance Advisory

FINANCE IDEAS – Portal of Debt Consolidation, Currency trading, Forex market, Currency Market, Market Trading, Foreign Currency Online, Finance Advisory, Credit Cards Online, Finance Advisory submitted by subbu2289 to u/subbu2289 [link] [comments]

Looking for an international credit card to limit my cost of foreign transaction fees and Forex charges

I am in the US and will be taking a two week trip to the UK and other parts of Europe at the end of this year and am looking for my best option for a credit card as far as foreign transaction fees and forex charges are concerned.
From what I've read, a Capital One card appears to be an over all favorite. I have also seen a lot of buzz about the Chase Sapphire card and since I currently bank with Chase, this one is appealing.
What are some of the cards you use to limit your exposure to these expenses/fees while traveling? Are there any cards you prefer that I should look into further?
Thank you in advance for your help!
submitted by PMyoBEAVERandHOOTERS to travel [link] [comments]

Best banking option for Canadian living in Denmark for 2+ years?

Hello PersonalFinanceCanada!
I will be travelling to Denmark for 2+ years on a visiting researcher visa. This means that I will be paid in CAD from my host institution and will not be receiving payment in Danish currency (DKK).
I will be going over 1 month early before my contract begins (Nov 1). Therefore, I am weighing options for how to minimize foreign exchange fees and optimize the exchange rate I am getting. This will be important because I will be furnishing an apartment from scratch and incurring a lot of upfront costs.
Should I simply absorb the exchange rate and foreign exchange fees (2.5%) given by my existing debit/credit cards (Bank of Montreal)? Or, should I look into signing up for something like a KOHO account (1.5%)? Are there other options?
Once I get my visiting researcher visa in early November, I am able to open a Danish bank account and I plan to use Transferwise to move CAD to DKK. Is this the suggested route to minimize extra costs?
Any advice is greatly appreciated! Thank you!
submitted by HalfJapToTheMax to PersonalFinanceCanada [link] [comments]

Scotiabank buys JPMorgan's Canadian credit card operations - Let's Hope This Doesn't Affect the No Forex Charge Feature on Chase Cards

Scotiabank buys JPMorgan's Canadian credit card operations - Let's Hope This Doesn't Affect the No Forex Charge Feature on Chase Cards submitted by proshutup to churningcanada [link] [comments]

Non-US Credit/Debit Card with no forex fees

Hi Reddit!
Just found this sub and was wondering if anyone here knows about a bank that offers credit/debit cards with no currency conversion fee when abroad? I.e. say my account is in Mexican Pesos and I can use my card to pay/withdraw in Australia using the official interbank MXN/AUD conversion rate.
I've heard that Capital One might be an option but I'd like the bank to be outside of the US (I'm not a US citizen). Bonus point if the card is cheap/free, like less than $300/year.
Thanks for any leads :)
submitted by damnbankthrowaway to Banking [link] [comments]

Gaano ba ka legit ang Etoro?

Recently sa mga nakikita kong pinoy youtubers na nag iinvest, gumagamit sila partly ng Etoro. Pero recently nababasa ko sa Etoro at sa trustpilot ng etoro eh mostly marami issues like bad servers, withdrawal problems, etc. So eto ngayon medyo nagdadalawang isip kaya maghihingi ako ng opinyon niyo.
Nag invest na kasi ako sa Etoro para sa mga stocks na wala sa Pilipinas, ano po ba sa tingin niyo?
submitted by hymaster67 to phinvest [link] [comments]

Banks 'plunder' travellers with forex fees on credit card transactions

Banks 'plunder' travellers with forex fees on credit card transactions submitted by thelindfields to travel [link] [comments]

Should i call the cops on my abusive fuck up of a mum

I 25F, have undergone abuse from my cunt of a mum for years. I absolutely hate her, and my dad has tried to file for divorce years ago but didn't because of my 18 year old sister and me. Something about keeping the family together.
Examples of things she'd do: -threw objects at me while I was asleep (I was in primary school) -when I was 6, she made me write the recipients name on an envelope. I wrote the address on the wrong side because I was fucking 6, and she locked me out on the balcony until I "ate the envelope". Yes, she really tried to make me eat it. -pulled a knife on me when I was still in school -whacked and punished me to make me use my right hand (I'm left handed)
My dad has become a very sad man because of her and I was always tempted to call the cops but was also afraid of what'd happen. Fast forward to when I started working, my dad decided to move the family into a huge house. He quit his corporate job to chase his passion of opening up a food stall, which affected the family income. My mum pays off the house mortgage and often tells us all that it's HER home. For every little thing we do, we get reminded that it's HER house. And I'm fucking sick of it. I used to contribute to the household expenses by giving my dad some money so he could spend it on whatever he saw fit as head of the family. I don't give the money to her because she is incredibly illogical and has fallen for multiple investment and forex scams. Due to this, she'd make a fuss and tell me I'm not welcome in HER house. I wanted to move out but felt guilty about leaving my dad with this bitch. Also, I got retrenched during covid, so have no choice for now.
Just a few minutes ago, I had a massive shouting match with her because she accused me of using her credit card for a phone purchase. I never have. The only phone I ever bought for myself was one I paid in cash for. I got really angry at her accusations and told her she's an abusive, manipulative bitch. But she refuses to admit it. Just keeps telling me I will go to hell for being so badly brought up - but she doesn't seem to see that she's the one who raised me.
I hate her guts and want to call the cops on her for the past abuse. Should I?
submitted by cranknugget to AsianParentStories [link] [comments]

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