Holiday question + credit card

MehulLakhani · 6 May 2008 at 22:08

Hi All

I have just booked my honeymoon. In total its about £7k :eek:

.

I have put £2k on my credit card, but the holiday co charge a 2% surcharge for credit card transactions.

Can I pay the other £5k using debit card, and still be protected by my credit card should anything go wrong ? Or does the whole amount have to be paid off on the same credit card ?

R

Mehul

philstanbridge · 6 May 2008 at 22:12

I *think* the entire transaction needs to be on the credit card I'm afraid. It sucks that the charges are so high. Out of interest where are you going? Maldives? Either way, congrats

POB · 6 May 2008 at 22:13

Is it a Visa Debit card?

Won't travel insurance cover this, and if its a holiday the company is something ABATA (random letters I've just made up) bonded.

MehulLakhani · 6 May 2008 at 22:28

philstanbridge said:
I *think* the entire transaction needs to be on the credit card I'm afraid. It sucks that the charges are so high. Out of interest where are you going? Maldives? Either way, congrats

Thanks for the congrats

Am going to Maldives->malaysis->Dubai

Not looking forward to the credit card bill when we get back . . . . . !

Rotty · 6 May 2008 at 22:49

for tne protection it need to be in full, however many travel agents have a cap on the amount charged so maybe the balance won't have much of a charge applied

jamoor · 6 May 2008 at 23:35

7k to go anywhere but the moon is a rip off.

You would have to use your credit card, I would say use it! Much easier if things go wrong.

Beansprout · 6 May 2008 at 23:37

jamoor said:
7k to go anywhere but the moon is a rip off.

Thanks for showing how clueless you are :cool:

jamoor · 6 May 2008 at 23:39

Beansprout said:
Thanks for showing how clueless you are

OllyM · 6 May 2008 at 23:44

Even if you've only paid for part of it on a credit card, you're still covered for the full amount if something goes wrong under the consumer credit act, provided the purchase is over £100.

Get your facts straight people!

Beansprout · 6 May 2008 at 23:44

jamoor said:

Anyone who spends less than 7k to go somewhere hasn't lived life!

Now you see how the two statements are equally crazy

jamoor · 6 May 2008 at 23:49

OllyM said:
Even if you've only paid for part of it on a credit card, you're still covered for the full amount if something goes wrong under the consumer credit act, provided the purchase is over £100.

Get your facts straight people!

Indeed,

http://www.moneysavingexpert.com/shopping/consumer-rights-refunds-exchan

Although where would the balance come from?

he spends £2k on the card, and £5k out of his pocket, then the CC company has to give you £7k back?

jamoor · 6 May 2008 at 23:50

Beansprout said:
Anyone who spends less than 7k to go somewhere hasn't lived life!

Now you see how the two statements are equally crazy

Yeah I guess so, although £7k seems a lot, unless he's going for a few months, or first class, especially for two people.

OllyM · 6 May 2008 at 23:52

jamoor said:
Although where would the balance come from?

he spends £2k on the card, and £5k out of his pocket, then the CC company has to give you £7k back?

Yep, hence why banks don't give merchant accounts out to anybody!

jamoor · 6 May 2008 at 23:53

OllyM said:
Yep, hence why banks don't give merchant accounts out to anybody!

No wonder card interest is so high.

MehulLakhani · 7 May 2008 at 12:05

jamoor said:
Yeah I guess so, although £7k seems a lot, unless he's going for a few months, or first class, especially for two people.

Its only 2 weeks - 13 nights.

Its surprising how much resorts in the maldives cost, and also how quickly air fares etc add up. Also we are going to two places in malaysia. In addition we have picked the best resorts that we could - sort of a once in a lifetime holiday.

But, you're right - £7k is a hell of a lot of money.

peter_hutson · 7 May 2008 at 12:47

jamoor said:
Yeah I guess so, although £7k seems a lot, unless he's going for a few months, or first class, especially for two people.

You would be lucky to get two return tickets to Malaysia in First class for 7K.

True, you can do most holidays on very little. But if you want nice hotels and stuff, 7K for 13 nights and including flights, is not that insane. The Maldives is also very pricey, but that can be a good thing. Keeps all the rif raf away.

platypus · 7 May 2008 at 12:53

£7k, eek. Here's hoping any potential bride of mine has a rich father.

jamoor · 7 May 2008 at 16:48

peter_hutson said:
You would be lucky to get two return tickets to Malaysia in First class for 7K.

True, you can do most holidays on very little. But if you want nice hotels and stuff, 7K for 13 nights and including flights, is not that insane. The Maldives is also very pricey, but that can be a good thing. Keeps all the rif raf away.

Seriously though a £1400 on flights, £1500 on accomodation in Maldives for a week, quick check on tripadvisor states Kurumba is the best.

Malaysia is very cheap, but let's say we budget a grand there for 5 days (that's £200 a night!!) and the last 2 days in the best hotel on tripadvisor in dubai for say, £500

That totals up to £4.4k!

Dear god, I ought to become a travel agent with that kind of profit for 15 minutes work.

That's also assuming they are travelling in the middle of July, peak period.

Sic · 7 May 2008 at 16:50

platypus said:
£7k, eek. Here's hoping any potential bride of mine has a rich father.

drop in the ocean for you, isn't it?

Lord-Jaffa · 7 May 2008 at 17:31

jamoor said:
Yeah I guess so, although £7k seems a lot, unless he's going for a few months, or first class, especially for two people.

To be fair anywhere exceptional in the maldives you are looking at around 2500 for all inclusive at least.

Not everyone travels to fleapits on some greek island and lives on fry ups