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Traveling to Europe
Posted on 6/29/11 at 6:40 am
Posted on 6/29/11 at 6:40 am
I will be traveling to Europe this summer and I'm looking for a "no charge" fee for using a credit card of some sort while over there. I plan on buying everything I can over the internet before I go (train passes, car, etc) and of course will have some cash but would also like to have the ability to use a credit card and not get slapped with the over sees fee.
TIA
I currently bank with Chase if that matters
TIA
I currently bank with Chase if that matters
5
Posted on 6/29/11 at 8:00 am to trident
Capital One
Posted on 6/29/11 at 8:58 am to trident
Just got back from two weeks in Europe. I used my Capital One cards to get cash out of the ATMS. They will charge you a $2 fee for using another ATM, but there is no fee for getting the cash. I bought a few Euros here before I left just to have some when I got there. A service fee of 6 cents per Euro was added when I purchased them. That was not done when I got them from the ATM.
I have a GM credit card and there were no fees for anything that I purchased with it. It's run by HSBC, which is really big over there.
I have a GM credit card and there were no fees for anything that I purchased with it. It's run by HSBC, which is really big over there.
Posted on 6/29/11 at 9:49 am to HuhBruh
You might want to check out using your iPhone to buy items directly using your bank account. Many Europeans are going away from credit cards.
Posted on 6/29/11 at 11:50 am to GoDucks349
quote:
Europeans are going away from credit cards
why?
Posted on 6/29/11 at 11:59 am to trident
Probably because new technology (like using phones directly linked to bank accounts) enables businesses to bypass fees that the credit card companies charge.
But I have no idea if such a sweeping statement is true.
But I have no idea if such a sweeping statement is true.
This post was edited on 6/29/11 at 12:00 pm
Posted on 6/29/11 at 1:03 pm to LSUtoOmaha
quote:
Traveling to Europe
Probably because new technology (like using phones directly linked to bank accounts) enables businesses to bypass fees that the credit card companies charge.
But I have no idea if such a sweeping statement is true.
This is exactly why. I'd be sure and at least verify that my credit cards would be accepted in Europe. I don't know exactly how far they are into the transition, but it is in process.
Posted on 6/29/11 at 4:28 pm to GoDucks349
quote:Last month on vacation saw no evidence of it at all. Credit Cards/ATMs were about as good/useful there as they are here.
This is exactly why. I'd be sure and at least verify that my credit cards would be accepted in Europe. I don't know exactly how far they are into the transition, but it is in process.
Posted on 6/29/11 at 6:54 pm to trident
quote:
I will be traveling to Europe this summer and I'm looking for a "no charge" fee for using a credit card of some sort while over there. I plan on buying everything I can over the internet before I go (train passes, car, etc) and of course will have some cash but would also like to have the ability to use a credit card and not get slapped with the over sees fee.
a capital one CC will save money in fees compared to a chase card. look into HSCB as well.
also, if you buy a Eurail pass online, compare the cost of purchasing it in euros and USD. i bought mine in euros and the bank automatically converted the currency at a more favorable rate than if I would have selected USD from the site. hope that makes sense.
Posted on 6/30/11 at 10:04 am to LSUtoOmaha
quote:
But I have no idea if such a sweeping statement is true.
CC's issued in Europe have smart chips instead of just the magnetic strip US issuers use. The US industry is just beginning to test the newer technology with big spenders. Due to fraud many merchants are not taking the magnetic stripe cards....or so numerous articles claim.
I am very leery of phone enabled deposit acct access. Thieves are thieves, many are quite bright. I don't make portfolio transactions on a smart phone for the same reason, encrypted or not.
Posted on 6/30/11 at 10:47 am to trident
Just got back from Europe.
Capital One is the only one I know of with no fees. I dont care for them but used my Citi card and the fees were not that bad.
If you can get a card with a smart chip here do so.
Almost any machine besides an ATM over there required a smart chip CC. Restaurants and most merchants we visited took both types though it was mostly ticket machines.
BTW the smart chip usage SUCKS! SLOOOOOOOOOOOOW pissed me off everytime I got behind a person using a CC with a smart chip. It was worse than waiting on someone to write a check. If the US ever goes that route they will need to speed up the networks 100x over what they have in Europe.
Capital One is the only one I know of with no fees. I dont care for them but used my Citi card and the fees were not that bad.
If you can get a card with a smart chip here do so.
Almost any machine besides an ATM over there required a smart chip CC. Restaurants and most merchants we visited took both types though it was mostly ticket machines.
BTW the smart chip usage SUCKS! SLOOOOOOOOOOOOW pissed me off everytime I got behind a person using a CC with a smart chip. It was worse than waiting on someone to write a check. If the US ever goes that route they will need to speed up the networks 100x over what they have in Europe.
Posted on 6/30/11 at 10:51 am to GoDucks349
In no way shape or form would I say Europe is going away from CCs.
They use smart chips and thats about it. Almost 100% of places I visited in London, Paris and Belgium took Visa or MC.
Only issue was at a clothing store where my wifes card wouldnt swipe and she didnt have the smart chip did I have to pay in cash.
BTW there were a lot of ATMs with no fee over there (forgot the bank name) you would only get charged a fee by your bank back here. (My bank didnt charge for using an ATM overseas either)
BTW I dont recommend going with Euro Rail pass unless you are backpacking accross Europe. Its much cheaper to get individual tickets depending on how many countries you visit.
I paid 25 Euro to go from Paris to Brussels on the Thalys. Eurostar from London to Paris was higher at about 98USDpp.
Paris metro was cheap got 1 carnet(karnay) that lasted for 3 days of metro use for 12 euro. (Its a pack of 12 passes)
They use smart chips and thats about it. Almost 100% of places I visited in London, Paris and Belgium took Visa or MC.
Only issue was at a clothing store where my wifes card wouldnt swipe and she didnt have the smart chip did I have to pay in cash.
BTW there were a lot of ATMs with no fee over there (forgot the bank name) you would only get charged a fee by your bank back here. (My bank didnt charge for using an ATM overseas either)
BTW I dont recommend going with Euro Rail pass unless you are backpacking accross Europe. Its much cheaper to get individual tickets depending on how many countries you visit.
I paid 25 Euro to go from Paris to Brussels on the Thalys. Eurostar from London to Paris was higher at about 98USDpp.
Paris metro was cheap got 1 carnet(karnay) that lasted for 3 days of metro use for 12 euro. (Its a pack of 12 passes)
This post was edited on 6/30/11 at 10:58 am
Posted on 6/30/11 at 5:34 pm to trident
Bank of America partners with Barclay's, so you only pay a 1% fee at ATMs.
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