Overseas Travel
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- Colonnade
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Re: Overseas Travel
I do remember the article saying that one US bank did offer the new cards, but I can't remember which one it is.
My Austrian friend who lives in the US keeps a bank account in Austria so he can have a European ATM.
My Austrian friend who lives in the US keeps a bank account in Austria so he can have a European ATM.
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- City Center Square
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Re: Overseas Travel
I remember reading this too but I think they quit doing it unless it has made a recent return.mlind wrote: I do remember the article saying that one US bank did offer the new cards, but I can't remember which one it is.
Its quite a step back - the globalization of credit and debit cards the last 10-15 years had really done a nice job of doing away with the need for fucking around with a pile of travler's checks, cash, and screwy currency brokers; you could go most anywhere in the developed world and get around on your CC confidently just like at home. Now we are back to having to screw around with piles of cash and travlers checks just in case the waiter can't figure out your CC.
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- Oak Tower
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Re: Overseas Travel
My AMEX has had a chip since I got it three-plus years ago. I frequently pay at merchants such as Petco by tapping the card against the POS terminal instead of swiping it. But when I was in Seoul several months ago, I don't recall ever seeing a terminal that wasn't strictly for magstripe cards.
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Re: Overseas Travel
I have one of those too - its not the right kind of chip for the international machines.KC0KEK wrote: My AMEX has had a chip since I got it three-plus years ago.
- dangerboy
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Re: Overseas Travel
Some merchants simply refuse to accept magnetic stripe cards because the processing fees are higher than the new chip and PIN cards.
- cknab1
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Re: Overseas Travel
Good luck. I guess no Grunauer for you for a while.DaveKCMO wrote: leaving for paris and barcelona today!
I'll have what the gentleman on the floor is having.
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- New York Life
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Re: Overseas Travel
Huh. Interesting... I had no problems withdrawing cash or making purchases with magnetic stripe cards in Dubai, The Netherlands, or Italy this year.
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- Broadway Square
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Re: Overseas Travel
Yeah I just got back from three months in Europe (Netherlands, Spain, France, Switzerland) and I never ran into a place that wouldn't take my card just because it didn't have a chip in it (but I did frequently get asked if it had a chip -- when I said no, they just swiped it). My only real problem was the lack of places, especially in the Netherlands, that took credit at all. Amsterdam is generally fine but anywhere else is a crap shoot, even places like the train station or McDonald's won't take credit. Luckily my ATM card worked at every single ATM I encountered. The other countries take credit much more frequently, although still not as much as in the US. Definitely got in the habit of looking for the credit card stickers in the window before going in somewhere.
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- Western Auto Lofts
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Re: Overseas Travel
i just got back from Barcelona a few weeks ago. I absolutely loved it. I'd recommend taking a day trip to Sitges, it's maybe 30 minutes away by train. The beaches are gorgeous, much better than those in Barcelona.
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- Colonnade
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Re: Overseas Travel
Some countries like Mexico are mostly a cash economy, especially outside of the big tourist areas. Since I travel to Mexico yearly, I use my ATM at banks and carry cash to pay for everything.
It just depends on where you go.
It just depends on where you go.
- Highlander
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Re: Overseas Travel
Gorgeous but the water is so cold, even on a summer day.ColumbusParkian wrote: i just got back from Barcelona a few weeks ago. I absolutely loved it. I'd recommend taking a day trip to Sitges, it's maybe 30 minutes away by train. The beaches are gorgeous, much better than those in Barcelona.
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Re: Overseas Travel
I respectfully disagree....I was in the water constantly, and thought it was one of the warmer bodies of water i'd ever been in (which granted is a small list)
- DaveKCMO
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Re: Overseas Travel
we also ran into no issues using our cards, except one card on a day trip to sitges, spain. we had not alerted that bank about travel outside of barcelona and paris, but another card worked fine.phuqueue wrote: Yeah I just got back from three months in Europe (Netherlands, Spain, France, Switzerland) and I never ran into a place that wouldn't take my card just because it didn't have a chip in it (but I did frequently get asked if it had a chip -- when I said no, they just swiped it). My only real problem was the lack of places, especially in the Netherlands, that took credit at all. Amsterdam is generally fine but anywhere else is a crap shoot, even places like the train station or McDonald's won't take credit. Luckily my ATM card worked at every single ATM I encountered. The other countries take credit much more frequently, although still not as much as in the US. Definitely got in the habit of looking for the credit card stickers in the window before going in somewhere.
withdrawing cash from ATMs, however, was expensive. we paid about a 25% premium in fees each time... not expected!
in short, all of the advice i read in travel guides was accurate: use your credit cards when you spend your money as much as possible. get cash or travelers checks in advance for the rest. we bought some euros at commerce bank, but only 105. in retrospect we should have bought more and only carried what we needed for the day.
- Highlander
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Re: Overseas Travel
Must be something new, did you forget a decimal? We never had that issue with ATM's in all the years we lived overseas, it averaged between a 1 and 2% charge and a few grocery stores had ATM's without fees. Our main bank was in the US and that's the way we got our cash, ATM's.DaveKCMO wrote: withdrawing cash from ATMs, however, was expensive. we paid about a 25% premium in fees each time... not expected!
Credit cards are a good way to go but be aware that when the bill comes, you will pay somewhere around 3% for currency conversion fees.
Last edited by Highlander on Sun Sep 12, 2010 10:44 am, edited 1 time in total.
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Re: Overseas Travel
I've never had big problems with the ATM fees. Usually the European bank whose ATM I'm using only has a really small fee, then Bank of America also charges me like five bucks per withdrawal. My own bank is the one that screws me over, not Santander or Caixa or whoever. I usually just take out like a hundred euros at a time to minimize the damage.
- DaveKCMO
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Re: Overseas Travel
i am retarded. that isn't a fee, but the "exchange rate".
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Re: Overseas Travel
25% is about right for the exchange rate, the euro was at like $1.26 last I looked a few days ago. It got as bad as about $1.32 while I was there this summer (but was as low as $1.18 when I first got there). Reuters has it at $1.2678 right now.
- chrizow
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Re: Overseas Travel
the exchange rate isn't so bad in barcelona, where you can drink pretty good cava for 1-2 euros almost everywhere! local red wines were very reasonable as well - i.e. you can drink what would be a $50 bottle in the US for about $20 USD in barcelona. my memory might be fading, but i actually found barcelona to be quite affordable in general, even with the exchange rate. cabs were cheap, hotels were cheap (using online deal-finders), food was quite reasonable aside from a couple of touristy places.
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- Colonnade
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Re: Overseas Travel
Sometimes banks will look at what they consider to be unusual charges and freeze your card in case it's be stolen or whatever. If you don't usually travel or make larges purchases, it's a good idea to let them know in advance. Better safe than sorry.DaveKCMO wrote: we also ran into no issues using our cards, except one card on a day trip to sitges, spain. we had not alerted that bank about travel outside of barcelona and paris, but another card worked fine.
Also, if you are traveling in areas where you need to carry cash, get a money belt that you can wear under your shirt.
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- Colonnade
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