Win £100 “One 4 All’ Gift Card from the Post Office

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THIS COMPETITION IS NOW CLOSED

- Content / Article provided by Experian – links to Experian CreditExpert are placed for promotional purposes

Many of us are planning our summer holidays now, and working out how much we can afford. From changing currency to eating out abroad, going on holiday can prove an expensive minefield for the unwary traveller.

We’ve teamed up with Experian CreditExpert to offer one lucky Quidco member the chance to win £100 “One 4 All' Gift Card from the Post Office, which can be redeemed at over 17,000 retailers nationwide so one lucky winner can update their Holiday wardrobe.

Simply answer the following question in the comment section:

What's your favourite way to stretch your budget?

This competition closes at midnight Sunday 31 May, 2014 and we'll announce the winner soon after.

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1. If you book your hire car at the last minute…

Hiring a car at the airport means you’ll almost certainly be paying through the nose. To get the best rates, you need to book as far in advance as possible, preferably online. This also gives you the chance to check through the fine print for hidden charges, such as exorbitant excess waiver cover – and find a separate, cheaper policy.

2. If you buy currency at the airport…

These days you can order your currency online and have it delivered to your door or even pick it up at the airport – and you are likely to get a better deal than if you get it at the eleventh hour. Research suggests that the average family loses £13 by buying holiday cash just before they fly – enough for lunch in the Costa del Sol [1].

3. If you use your everyday debit card abroad…

There are often charges for using an ordinary debit card once you’re outside the UK. While many credit cards charge up to 3 per cent per transaction if you use them abroad, some others are specifically aimed at being suited more to spending in other countries, often offering 0% foreign purchase fees. If you do get one of those cards though, make sure you pay the bill off in full when the bill arrives. It’s also advisable to let your lender know you are going abroad, so as to prime them in case it raises suspicion when they see you make large purchases in duty free!

4. If you need credit for your holiday…

Make sure your credit report is up to date and that the information on it is accurate. If you do use a credit card to help spread the cost of a holiday, it’s best to stay within the agreed credit limits and always make your repayments on time, paying more than the minimum off your credit cards each month if you can, as this could help pay off your debts quicker. Missed payments stay on your credit report for at least six years. You can get help finding finance deals that suit your credit profile, and see your credit report and  Experian Credit Score whenever you want, with CreditExpert [2] membership. Getting it right could help you to understand, protect and take steps to improve your finances, and improve your chances of getting the credit card you want.

5. If you pay to enter museums and take tours…

Many attractions offer free entry one day a week and most towns provide leaflets that you can use to create your own tour. Doing your research before you go could leave you surprised at the free events on offer. Eating on the hoof can cost an arm and a leg, so drop in to a local shop and get the ingredients for a picnic.

6. If you use your smartphone as though you were at home…

The cost of some calls may have come down, but downloading data can still be painfully expensive when you’re abroad. The best option is simply to switch off your phone – and turn your kids’ phones off too. Alternatively, switch off data roaming or investigate special travel packages. You could also try an app that locates cafés and other areas that provide free wifi.

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[1]. http://www.dailymail.co.uk/travel/article-2616993/Airport-currency-exchange-rip-British-tourists-waste-21million-year-buying-currency-airport.html

[2]. New members only. Monthly fee applies after free trial. Free trial period starts on registration – further ID verification may be required to access full service, which may take up to five days.

THIS COMPETITION IS NOW CLOSED

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Terms and conditions

  • Entry is open to residents of the UK except employees (and their families) of Quidco and any other companies associated with the competition.
  • The entrant(s) must be aged 18 or over.
  • Proof of identity and age may be required.
  • All entries must be made directly by the person entering the competition.
  • The prizes are as stated, are not transferable to another individual and no cash or other alternatives will be offered.
  • Prizes are subject to availability and the prize suppliers' terms and conditions.
  • The promoters reserve the right to amend or alter the terms of competitions and reject entries from entrants not entering into the spirit of the competition.
  • Unless stated otherwise the winner(s) will be drawn at random from all correct entries received by the closing date.
  • Reasonable efforts will be made to contact the winner(s). If the winner(s) cannot be contacted, or are unable to comply with these terms and conditions, the Promoter reserves the right to offer the prize to the next eligible entrant drawn at random, or in the event that the promotion is being judged the Promoter reserves the right to offer the prize to the runner(s)-up selected by the same judges.
  • Failure to respond and/or provide an address for delivery, or failure to meet the eligibility requirements may result in forfeiture of the prize.
  • Where applicable, the decision of the judges is final based on the criteria set out in the promotion and no correspondence will be entered into over this decision.
  • Competitions may be modified or withdrawn at any time.
  • Thorntons reserves the right to award an alternative prize of equal or greater value should the advertised prize become unavailable due to unforseeable circumstances.