I will travel to the US and I have two choices for payment of usual touristic activities while there ("usual touristic activities" = renting a car (booking and payment), booking and paying for a hotel, shopping in a supermarket, restaurants, museums):
- I can use my current VISA or Mastercard (debit card with deferred payment). It is linked to a French bank and the primary currency is EUR. Using it means going through conversion and whatnot charges.
- I have the opportunity to get a "VISA Debit" card which is linked to an account in USD and directly draws money from that account (1 USD paid in the US = 1 USD drawn from the account. No charges whatsoever (except an initial fee to get the card))
The answer to another question (especially the bottom part) discusses in details the difference between "debit" and "credit" applied to US and EU cards. It does not state, though, if the "VISA debit deferred from EU" is accepted or not.
My question is about the practical (from experience) acceptance level for such cards. The areas of interest are the touristic one I mentioned above.
Are there known cases where the card has to be credit? (1)
(1) for instance in France there is the case of tolls, where a "debit card with immediate account checking" will be automatically rejected (this is mentioned in bod when getting the card). Same for most parking, and in general places which do not check your account, taking the risk of a faulty one