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Europe trip without credit card?
Posted on 7/29/16 at 12:07 pm
Posted on 7/29/16 at 12:07 pm
Is it possible to take a Europe trip and not use a credit card? Are there any pre loaded cards one could use that do not have overseas transaction fees?
6
Posted on 7/29/16 at 12:10 pm to DeltaHog
travelers checks
Posted on 7/29/16 at 12:16 pm to DeltaHog
My debit card worked overseas just fine
Posted on 7/29/16 at 12:43 pm to tduecen
quote:
My debit card worked overseas just fine
And the ATM's usually have a better exchange rate than your local places. This biggest issue is if you have a daily limit on the card.
Posted on 7/29/16 at 1:20 pm to DoUrden
quote:
And the ATM's usually have a better exchange rate than your local places. This biggest issue is if you have a daily limit on the card.
As long as you use a major bank and not Travelex or Europnet ATMs.
Posted on 7/29/16 at 5:55 pm to Sisyphus
I have run into several places that don't take cash, only CCs with chips. Cash is disappearing over here.
Posted on 7/29/16 at 8:03 pm to Zappas Stache
Going through bank ATMs you will get market exchange rates less your bank's international fees. I found it good to pull out a bunch of cash and use cash where they didn't take Amex.
To answer your question everyone takes cash, but in some countries/cities credit is a 50/50 proposition. How you get the cash is up to you, travelers cheques are acceptaed at banks and hotels but they will hit you with an exchange fee. Getting cash at your bank in the states will leave you holding a lot of cash and susceptible to theft.
I would recommend a debit card and withdraw cash in country.
To answer your question everyone takes cash, but in some countries/cities credit is a 50/50 proposition. How you get the cash is up to you, travelers cheques are acceptaed at banks and hotels but they will hit you with an exchange fee. Getting cash at your bank in the states will leave you holding a lot of cash and susceptible to theft.
I would recommend a debit card and withdraw cash in country.
Posted on 7/29/16 at 9:43 pm to SM6
I'll add that most hotels want a credit card for reservations.
Posted on 7/30/16 at 12:55 am to DeltaHog
quote:
Are there any pre loaded cards one could use that do not have overseas transaction fees?
Pre loaded cards are always loaded with fees. Stay away from them. And forget about travelers checks. No one in Europe wants those anymore.
The Capital One 360 account has a Mastercard debit card with no foreign purchase fees or foreign ATM fees. Also there is no minimum balance requirement or monthly fee.
If I didn't have a credit card and was going overseas, I would bring two debit cards from different banks as a backup.
Posted on 7/30/16 at 4:45 am to 62Tigerfan
Traveling around with a debit card in another country puts you at more of a risk than other methods. Make sure you have pictures of the phone numbers you need to call should you lose it, it gets stolen or fraudulent charges be made. With a debit card, once the funds are withdrawn from your account the bank has your money while it's being investigated. So, make sure you know how you will dispute these charges and who to call if you don't have your card.
Posted on 7/30/16 at 6:03 am to LSUfan4444
A security deposit on a rental car will also tie up actual cash instead of a portion of a credit line.
Posted on 7/30/16 at 8:15 am to DeltaHog
Why not just get a credit card?
Posted on 7/30/16 at 8:25 am to Napoleon
quote:
Why not just get a credit card
I saved a significant amount of money that's higher than my cred limit. I realize I could just apply for another card but I'm just trying to review all of my options.
Posted on 7/30/16 at 9:58 am to DeltaHog
Call you credit card company and ask them to increase your limit because you are taking a trip to Europe. 99% of the time they will do it.
If you don't already have one with no foreign transaction fees, get one. Europe trip would be a great time to get a new credit card and earn bonus points.
Plus, most of the good credit cars offer rental car insurance, travel insurance and other trip protections that may come in handy.
If you don't already have one with no foreign transaction fees, get one. Europe trip would be a great time to get a new credit card and earn bonus points.
Plus, most of the good credit cars offer rental car insurance, travel insurance and other trip protections that may come in handy.
Posted on 7/31/16 at 5:08 am to DeltaHog
quote:
I'm just trying to review all of my options.
Do your diligence for sure, but IMO a credit card is the way to go. Especially when you factor in the sign up rewards you can get with something like the Chase Sapphire
Posted on 7/31/16 at 5:07 pm to LSUfan4444
When I go the only thing I actually use is a debit only, but I use a CC as a back up and as what I use to book stuff online like train tickets, hotel, rental car, etc.
Posted on 7/31/16 at 5:42 pm to DeltaHog
Honestly I would use cash over a debit card
Posted on 7/31/16 at 6:06 pm to DeltaHog
Side track will I be ok with a debit card without a chip? I have a CC with one but prefer to spend money out of my checking account
Posted on 7/31/16 at 7:50 pm to tween the hedges
quote:
Side track will I be ok with a debit card without a chip? I have a CC with one but prefer to spend money out of my checking account
No, well most likely not. Europes been using chips for years so I would not take a card there without one that you plan on using regularly.
Posted on 7/31/16 at 10:11 pm to tween the hedges
quote:
Side track will I be ok with a debit card without a chip? I have a CC with one but prefer to spend money out of my checking account
No chip, no sale.......and cash is not king. Many places dont take cash anymore.
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