Question Author
Sunny-Dave, so sorry, I missed your thread regarding cards abroad.
I have been using my Halifax card for about 3/4 years now without any problems.
We travel to France quite regularly and have always had the full exchange rate on purchases. Quite small amounts of interest on cash taken out.
This year I topped up the card account £1k before we went, I have just received the statement with a slight overspend, no comments or charges from Halifax thus far.
Anyway, they have your cash before you take it out, and I guess they are making a profit on it by loaning it to someone else at a high rate of interest.
If I do have any problems, I'll certainly re post an answer to you.
Hope that helps. BT