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Exchange rate if in credit?

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Was going to apply for new CC for using abroad. As i have paid off my current CC but forgot to stop Direct Debit (for paying it off). I am now in Credit over £100. Should i just get a refund & apply for best exchange rate CC or b/. Continue my direct debit & have about £400 already on card as credit before I go. Will that reduce any charges I get? It is a Tesco Finest CC.
can anyone provide easy to understand examples of exchange rate cards? It says on them Loading = 0% free, But Interest = 12.9% & that Interest is added even if paid in Full.
tesco Card fee = 2.75% exchange fee
Can someone tell me what i would pay back if i was to use $1000, thanks. I have enough cash saved but I would like to use my card for sightseeing trips, keep as much cash as possible. If i have any left over i will use that to repay trips.

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