The CC card is from Frizzell as is the CSMA equivalent. While you get a good rate of exchange, from March 1st there is an interest charge at 17% APR on cash advances, from time of advance to time of settlement. If this is true for the CC card, then you need to time cash withdrawl as near to your statement date as possible.Kate I have a Caravan Club credit card, (if this is the one you mean), and you cannot use it on automatic French pumps, even though it is chip and pin this system does not work in france, you still sign your slip. The CC card is worth having thogh because there is no commission at all charged on overeas transactions. If used abroad you dont have any hidden charges to pay when you get your statement.