28° Mastercard Cash Advances while overseas [No more free cash advances from 1/1/14]

[Mr_Gimlet]

Not strictly cash advances, but I am getting a lot more 'not authorised' events these days. I understand security, and I'm happy to be contacted by the fraud guys, but I have had two instances in the past couple of weeks where they weren't going to contact me at all - just decline the transaction. After several kafkaeque discussions, it has got to the point where they are not going to let through a transaction outside their working hours. Pretty annoyed by it all.

 

[Shanye2233]

if your 28 degrees card had arrived you would have saved around $65 in your pocket on that transaction!!

I thought I better get some cash just in case. I didn't get any USD the rate seems to be dropping fast !

Thank you so much for the SYD BKK CAI CDG I wouldn't be going without you

 

[MEL_Traveller]

I thought I better get some cash just in case. I didn't get any USD the rate seems to be dropping fast !

Thank you so much for the SYD BKK CAI CDG I wouldn't be going without you

no worries just enjoy the trip!

 

[Chicken]

You should always have multiple cards anyway.

I was in Belgium few months ago, and there were a few places where the EFTPOS sat there for years waiting for approval, then timed out. Ended up using Citibank.

And this included easyJet inflight shopping.

There are also merchants in Europe who take Visa but not MasterCard, so you need another card anyway.

 

[greenfrog86]

Hmm, Portugal and Spain where we are going might have the same issue. I noticed several of our cards are now Mastercard and not Visa, the Banks switched from Visa for some reason.

No issues likely in Spain - all good when I was there and used my card. The only thing to take note of is that it will often give the option of Dynamic Currency Conversion where you can pay in AUD... Obviously of no use when using the 28 Degrees card as you will get a better deal by paying in Euros.

I'm surprised that you are having so many issues... I've never had them call me re a transaction (i.e. a false alarm) and have never had them stop my account.

 

[Pushka]

I know, I just had a batch of them but after my complaint about the 4am text they have since stopped. I've used it a whole lot on booking and holding overseas hotels etc due to the exchange rate and no further problems. So happy again now. We leave in just under 2 months and the card is in credit and won't be using it until we hit Paris. I'm making the occasional purchase as a credit card but paying off everything I bought in full during the month plus adding a regular deposit of $200 a week and will top that up before we leave. Will probably just use it for paying hotels, some small cash withdrawals as we have pre paid a lot of tours etc. With this and our nab gold card we will be right.

 

[Shanye2233]

I got my card in the mail today so 3 business days to Sydney metro. I rang and let them know I'm traveling to what countries and I also used the automated service to get my pin number . I don't know what else to do . I went to post #1 and a few links doesn't take you to the right post.
I think all I need now is the biller code and transfers over some money . I was also reading you can not take out more than your limit in cash within 24hours is that correct ? Is there anywhere I can test the card in Sydney I.e take cash out before I go at any ATM .

 

[Flashback]

I got my card in the mail today so 3 business days to Sydney metro. I rang and let them know I'm traveling to what countries and I also used the automated service to get my pin number . I don't know what else to do . I went to post #1 and a few links doesn't take you to the right post.
I think all I need now is the biller code and transfers over some money . I was also reading you can not take out more than your limit in cash within 24hours is that correct ? Is there anywhere I can test the card in Sydney I.e take cash out before I go at any ATM .

Any Westpac ATM.

 

[Mr_Gimlet]

Your cash withdrawal limit is per few days- basically, until it appears on your statement - but it varies depending where you are withdrawing. Mongolia will take longer to appear than London.

You can test your card by withdrawing at any Westpac ATM (fee free) or any ATM (fee charged)

 

[Fifa]

I got my card in the mail today so 3 business days to Sydney metro. I rang and let them know I'm traveling to what countries and I also used the automated service to get my pin number . I don't know what else to do . I went to post #1 and a few links doesn't take you to the right post.
I think all I need now is the biller code and transfers over some money . I was also reading you can not take out more than your limit in cash within 24hours is that correct ? Is there anywhere I can test the card in Sydney I.e take cash out before I go at any ATM .

I suggest you look at Post # 137 which contains all the information you need!

 

[Shanye2233]

thank you for the post #137 i have a brief look . I transferred $1,000 into the 28 degrees account. I used my card number as a reference and the biller code shown in post 137. I have logged into the account and it does not show the $1,000 i have just transferred only my limit of $2,000?

 

[Mr_Gimlet]

thank you for the post #137 i have a brief look . I transferred $1,000 into the 28 degrees account. I used my card number as a reference and the biller code shown in post 137. I have logged into the account and it does not show the $1,000 i have just transferred only my limit of $2,000?

It will take a few days

 

[Chicken]

I transferred $1,000 into the 28 degrees account. I used my card number as a reference and the biller code shown in post 137. I have logged into the account and it does not show the $1,000 i have just transferred only my limit of $2,000?

1: It's 8PM eastern time. You have well past the cut off time of interbank transfer for tonight.

2: You are moving money from your bank to GE. Different organizations, so rely on interbank settlements on banking nights. It's not live.

3: You used card number as reference, which is incorrect. You should be using your GE account number. Your money won't be lost from past posts by other people, but it will delay your money from arriving into your GE account correctly.

 

[Shanye2233]

So what will happen to the $1k I transferred ? Where do I find my account number when I don't have any statements ??

 

[Chicken]

So what will happen to the $1k I transferred ? Where do I find my account number when I don't have any statements ??

From posts earlier in the thread, GE will eventually process it, and find your card number, and credit your payment. Sometimes they manage to do it quickly, sometimes a few more days.

Your account number is printed on statement (remember this is a credit card, you are not supposed to put money in it until you get the bill, we are all cheating here). If not? Call them and ask.

 

[Shanye2233]

So nobody knows where to find my G.E account information on the log in website ?

 

[Fifa]

So nobody knows where to find my G.E account information on the log in website ?

If you read the post as I suggested, you will find all the answers to the questions you are asking...

 

[DeKa]

Why didn't you just get Citibank Plus which is designed for this purpose?

 

[MEL_Traveller]

So nobody knows where to find my G.E account information on the log in website ?

when you log in you can go to my account --> paying my account - but the only information it gives is that the mastercard account number will be provided on your first statement.

the $1000 you have paid will not be lost, as other have already pointed out. It will simply take longer for GE to process. This is also explained under the paying my account tab.

Your options... either ring the customer service line tomorrow morning and ask them if they have it handy (I don't know if they will already have it - they should).

If not, the other option is that once you take out some cash, log on and transfer over some money the next day to cover the cash you have just taken out. It may take a few days (as they say) - but the interest you pay is not worth worrying about.

If you took out $1000, you would be paying about 55c a day in interest. So even if it took them three days, you'll be out of pocket about $1.65 in interest charges. This is compared to the saving of about $30 you would have paid on fees and transaction charges if you were using most other credit cards, or going in to a bank or money changer to exchange your cash.

 

[Shanye2233]

I called them and i have got my account number. Its the same as the credit card number except the last two digit are different for security purposes. When i transfer money from my westpac bank into the 28 degree account my bank sends me a sms confirmation number to my phone. How when im overseas will this happen as i will be using a pre-paid sim card. My westpac bank will send a sms confirmation code to my australian number which i wont get , and therefore the money will not transfer so i can not top it up.

The agent also said the money i transferred with my card number will show up in a couple of days. This is not convenient if i use all my funds on the hotel and need more money i have to wait a few days before the money transfers , what do i use to spend in the mean time ??