Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Uk Bank Accounts and Credit Cards

Uk Bank Accounts and Credit Cards

Old Feb 2nd 2012, 12:37 pm
  #1  
Forum Regular
Thread Starter
 
Joined: Jul 2011
Posts: 72
bobbedford is an unknown quantity at this point
Default Uk Bank Accounts and Credit Cards

Hi there.

Moving in about a month and want to keep my credit card and existing bank account.

Do I need to tell them that I am moving?

I realise my address will change, but was planning on using the Royal Mail re-direct service thingy.

My one concern is calling up the credit card company, them finding out I am moving then losing my credit card. I have plenty of stuff I could liquidate for cash, but I don't really want to. Plan is to spend on credit card, then claim back from company (I have an agreed allowance for bits and pieces).

Any thoughts here?

Ta,
Bob
bobbedford is offline  
Old Feb 2nd 2012, 1:02 pm
  #2  
BE Forum Addict
 
rpjs's Avatar
 
Joined: Sep 2010
Location: Sleepy Hollow, New York
Posts: 2,514
rpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond reputerpjs has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Originally Posted by bobbedford View Post
Hi there.

Moving in about a month and want to keep my credit card and existing bank account.

Do I need to tell them that I am moving?

I realise my address will change, but was planning on using the Royal Mail re-direct service thingy.

My one concern is calling up the credit card company, them finding out I am moving then losing my credit card. I have plenty of stuff I could liquidate for cash, but I don't really want to. Plan is to spend on credit card, then claim back from company (I have an agreed allowance for bits and pieces).

Any thoughts here?

Ta,
Bob
It'll depend on the bank / cc company. We had no problem with both First Direct (bank and cc) and Halifax (cc) allowing us to keep our accounts. In fact when we moved we still had balances on some of our ccs outstanding which we made minimum payments on until the proceeds of our house sale came through.

The only issue we had was that FD don't like you to use your overdraft facility once regular deposits (i.e. salary by BACS) cease. They won't block a transaction that takes you into overdraft but they will contact you to ask you to restore a credit balance.
rpjs is offline  
Old Feb 2nd 2012, 1:08 pm
  #3  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,103
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

As rpjs said it depends who you have accounts with. We are with the Halifax/M&S/Nat West and for the last 16 years they have sent mail (including new cards) to our US address. Some members have reported having problems and have used a relative's address in the UK. I seem to remember Barclay's was one of the problematic banks.
Jerseygirl is offline  
Old Feb 2nd 2012, 1:19 pm
  #4  
BE Enthusiast
 
Southy_SWFC's Avatar
 
Joined: Dec 2011
Location: Port St Lucie, Florida
Posts: 548
Southy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Tell them that you're abroad and to expect foreign transactions otherwise its possible that the fraud team will suspend your account until you contact them. Its not 100% but worth a try.
Southy_SWFC is offline  
Old Feb 2nd 2012, 1:24 pm
  #5  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,103
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Originally Posted by Southy_SWFC View Post
Tell them that you're abroad and to expect foreign transactions otherwise its possible that the fraud team will suspend your account until you contact them. Its not 100% but worth a try.
Good point. The credit card company in particular may suspend your account if there are several overseas transactions...so make sure you inform them that purchases will be made from the US.

Make sure you keep at least 1 credit card account and your bank account...because once you're no longer a UK resident you will not be able to open a new one.
Jerseygirl is offline  
Old Feb 2nd 2012, 1:39 pm
  #6  
BE Enthusiast
 
Southy_SWFC's Avatar
 
Joined: Dec 2011
Location: Port St Lucie, Florida
Posts: 548
Southy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Originally Posted by Jerseygirl View Post
Good point. The credit card company in particular may suspend your account if there are several overseas transactions...so make sure you inform them that purchases will be made from the US.

Make sure you keep at least 1 credit card account and your bank account...because once you're no longer a UK resident you will not be able to open a new one.
Finally, after 62 posts I've finally contributed something positive to this site.
Southy_SWFC is offline  
Old Feb 2nd 2012, 2:42 pm
  #7  
Septic Sprout
 
tonrob's Avatar
 
Joined: Aug 2004
Location: Singapore
Posts: 7,990
tonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond reputetonrob has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Can report that HSBC was fine too. Even kept our (generous) overdraft limits on current accounts for 3-4 years before they removed them through lack of account use. GBP10K credit card limit remained though, even though I only use the thing for an average of 2-3 weeks per year while I'm visiting.
tonrob is offline  
Old Feb 2nd 2012, 2:58 pm
  #8  
 
Weeze's Avatar
 
Joined: Jun 2010
Location: Houston, TX
Posts: 2,262
Weeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond reputeWeeze has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Tesco and Santander fine too with moving overseas. Well obviously in the case of Santander I mean they will continue to cock up your account in the same way in which the did when you still lived in the UK
Weeze is offline  
Old Feb 2nd 2012, 5:56 pm
  #9  
BE Enthusiast
 
Southy_SWFC's Avatar
 
Joined: Dec 2011
Location: Port St Lucie, Florida
Posts: 548
Southy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond reputeSouthy_SWFC has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Originally Posted by Weeze View Post
Tesco and Santander fine too with moving overseas. Well obviously in the case of Santander I mean they will continue to cock up your account in the same way in which the did when you still lived in the UK
Southy_SWFC is offline  
Old Feb 3rd 2012, 4:20 pm
  #10  
Rootbeeraholic
 
Joined: Aug 2009
Location: Houston, Tx
Posts: 2,280
Bink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond reputeBink has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

I still use my LloydsTSB account. They seem to have no issue with it either and still send me cards, mail etc.
Bink is offline  
Old Feb 3rd 2012, 6:24 pm
  #11  
Wolf In Sheeps Clothing
 
Sheepdip's Avatar
 
Joined: Sep 2008
Location: San Antonio, TX
Posts: 946
Sheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond reputeSheepdip has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

Nat West, First Direct and Nationwide have no problems with it. Did have to close a credit card though but can't remember which one.
Sheepdip is offline  
Old Feb 4th 2012, 6:40 pm
  #12  
BE Enthusiast
 
Joined: Apr 2008
Location: On
Posts: 389
misplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond reputemisplacedheidi has a reputation beyond repute
Default Re: Uk Bank Accounts and Credit Cards

First direct bank accounts and Halifax credit cards were fine.

Halifax just closed down our credit cards after 8 years of pretty minimal use - didn't worry us as we are using other cards instead. Just use FD in the UK when visiting or our overseas credit cards.
misplacedheidi is offline  
Old Feb 5th 2012, 9:39 pm
  #13  
Just Joined
 
Joined: Jul 2010
Location: Cheshire
Posts: 10
paul_lynda is an unknown quantity at this point
Default Re: Uk Bank Accounts and Credit Cards

Originally Posted by Weeze View Post
Tesco and Santander fine too with moving overseas. Well obviously in the case of Santander I mean they will continue to cock up your account in the same way in which the did when you still lived in the UK
Good to know we're not the only ones who have struggled with the farce that is Santander!
paul_lynda is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.