Questions tagged [payment-cards]

Covers questions about all kinds of plastic cards used like money: ATM cards, charge cards, credit cards, debit cards, EFTPOS, etc.

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81
votes
7answers
80k views

Is there a ZIP code I can enter when paying-at-the-pump in the USA with a foreign credit card?

In the USA, many pay-at-the-pump fuel dispensers that accept credit cards require a 5-digit numeric zip code that corresponds to the billing address of the credit card. In Canada, for instance, we ...
77
votes
6answers
29k views

My hotel “blocked” 5,000 dollars when I arrived and now is taking again the money

I'm staying in San Francisco for 2 weeks. When I arrived I gave my European debit card to the hotel, and they (at least, I thought so) withdrew the 5,000 dollars I owed them for the whole stay. ...
69
votes
3answers
18k views

Job interview in London requires me to wire money to the travel agent. Is this a scam?

I was told that I can have a visitor visa to UK, is this legitimate? I have received an invitation letter and a job offer, and I was contacted by the appointed travel agent to prepare all related ...
59
votes
11answers
19k views

How do I insist that American hotels accept my employer's credit card for payment, instead of asking for personal credit card upon check-in?

I work for a state government body in the United States. As a part of my work, I occasionally have multi-day travel. My hotel stays are paid by my employer and are tax-exempt. I frequently run into a ...
50
votes
11answers
7k views

How to get a large amount of cash abroad if a debit card stops working?

I live in France and I was recently traveling to Ireland. During the trip, my debit card stopped functioning. I discovered the problem when I arrived in a hotel and wanted to check in. The card was ...
42
votes
16answers
7k views

Preparing in case ATM/debit cards might go missing during a long trip

I've been pickpocketed twice and had debit cards swallowed by ATMs twice over the past decade or so. I've also had cards expire during a long trip. For my upcoming trip which I envision will last ...
42
votes
7answers
20k views

What's the right answer to “Check, Savings or Credit” for an overseas card in Australia?

A few days ago, rather jetlagged, I was very stumped when the person serving me in a cafe at the airport asked "Cheque, Savings or Credit" when I handed over my (overseas / foreign card) to pay for a ...
41
votes
10answers
57k views

Do all American ATMs charge an extra fee for cash withdrawals on a foreign card?

I've just gone to take some cash out of an ATM (Cash Machine) in Seattle. I visited about half a dozen in the end, and every single one wanted to charge me an extra fee (typically about $3) for the ...
35
votes
5answers
16k views

What happens when an ATM in a country you're travelling through eats your card?

So you're travelling in some exotic land far from home. You go to withdraw money from a local ATM so you can have some local currency. But the ATM swallows your card! If you're lucky you might get a ...
34
votes
5answers
8k views

Sending money to a friend stuck abroad without a debit card?

A friend of mine is stuck in Spain without a debit card, and I'm trying to send her some cash by whatever means available from here in the US. None of the bank branches near her are American, they're ...
33
votes
5answers
8k views

Paying by credit card while overseas cheaper in US dollars or in the local currency?

Recently I had to pay for a hotel in a foreign country using credit card, and the guy at the hotel asked me if I wanted the bill to be paid in the local currency or in US dollars. I didn't even know I ...
32
votes
11answers
11k views

Using US “chip & signature” Credit Cards abroad in “chip & PIN” countries

I am currently living & working in the USA and as such, I have credit cards with "chip & signature" security. When I use one of these cards, I either insert it into the chip-reader in the ...
31
votes
9answers
11k views

Cashless visit to the USA?

I've been living virtually entirely cashless in Sweden for the past 10 years. I'm visiting USA at the end of this month for a weekend (primarily just attending a conference); can I manage cashless if ...
30
votes
6answers
17k views

Tipping in Europe when paying by credit card?

I've been traveling in Europe for the past few months and I'm still confused about this! In most countries, it seems the common courtesy (according to tipping websites and the locals that I've talked ...
30
votes
5answers
18k views

Credit card name mismatch because of long name

I recently got my first credit card. Now I want to buy a flight ticket. As far as I know airline may want to check my credit card at the airport. Here is my problem. My passport name: Seyedmajid Azimi ...
30
votes
2answers
3k views

Recourse against bank ATM fraud in China

While in Beijing recently I had an ATM belonging to the largest bank in the world (the Industrial and Commercial Bank of China) issue me with a sheaf of nice crisp new counterfeit notes. I noticed ...
28
votes
5answers
9k views

Do North American banks have a key phrase that allows customers to disable all security checks for using the card internationally?

My Canadian bank has an extremely sensitive anti-fraud mechanism that treats all foreign transactions as "suspicious". I do not need those anti-fraud measures (I'm okay with taking the risk) and want ...
27
votes
11answers
19k views

Are there any issues with using credit cards in Germany?

On my last trip to Germany my credit cards (chip-based Visa and MasterCard) were declined more than usual. I've been there like 10 times and haven't noticed this before but on this trip train ticket ...
27
votes
6answers
12k views

Acceptance of Credit Cards in Japan

I know that Japan is primarily a cash society but I've heard that they've become more accepting of credit cards lately. Question is 3 parts: How common is credit card acceptance in major cities? ...
26
votes
4answers
6k views

Gift of Travel: Way to get a gift card that works for any airline, but only airlines?

I would like to get a family member a gift card or something similar that they can use to help pay for an airplane ticket to visit. Certainly I could get a gift card for any given airline, but ...
23
votes
5answers
7k views

Is it safe to travel with only a prepaid Mastercard?

As said in the question, is it safe to only have a prepaid Mastercard as a mean of financing my travel? The amount on the card is not a problem since it is linked to my bank account and can be ...
23
votes
2answers
5k views

What are the hidden fees for using booking.com

Trying to book a hotel using booking.com it states that "Additional charges may apply" What are those charges? How to calculate them? Do I have to Pay them in cash?
22
votes
4answers
6k views

Can you use a virtual credit card to withdraw money from an ATM in the UK?

I'm contemplating getting a virtual credit card from a provider with more competitive exchange rates & fees for visiting the UK. The provider does support the popular smartphone payment apps, so ...
21
votes
11answers
16k views

Booked a room 5 months ago, now hotel lowers the price, what can I do?

About 5 months ago, I booked a room in a hotel for my honeymoon (via the hotel website). During the booking process, I was notified that there were only 3 rooms left and that the price provided was ...
21
votes
8answers
16k views

Is it possible to recharge an OV-chipkaart without a Dutch banking card?

I have an anonymous OV-chipkaart (Dutch public transport electronic card). I don't have a Dutch banking card. (In other words, I'm a foreigner who goes to the Netherlands occasionally.) What are my ...
20
votes
1answer
3k views

Why do tourist businesses in Mexico give a big discount when paying in cash?

I'm staying in Cabo San Lucas and have noticed that businesses here tend to either be cash-only or provide big discounts when paying in cash. For example a whale-watching company mentions that: We ...
19
votes
9answers
12k views

Are credit cards prevalent in Denmark?

In the next days I'll spend a working period (few weeks) in Denmark (Aalborg). I would like to know if credit cards are frequently used in Denmark, are them more or less accepted everywhere in ...
19
votes
5answers
8k views

Is American Express widely accepted in France?

I'm going to be in France — mainly cities, especially Paris and Brest — for about a month this summer and the only credit card I have without ridiculous foreign fees is AMEX. How much can I count on ...
19
votes
8answers
9k views

Does Mastercard or American Express have more worldwide acceptance?

I've always used Visa but after seeing some useful travel cards from Mastercard & American Express; I was wondering whether they would be useful at all if they aren't accepted widely. Out of the ...
19
votes
6answers
4k views

US debit/ATM card with lowest fees for travel

For a US citizen traveling worldwide, what is the best major debit/ATM card (on the Visa or MasterCard networks) to take in terms of lowest fees for withdrawing international currency from ATMs? ...
19
votes
3answers
9k views

What to use instead of credit cards in Iran?

I've read that it's not possible to pay for stuff by international credit card like debit cards. What do you recommend to do in such a situation? As far as carrying a lot of money is not safe at all.
19
votes
2answers
8k views

Is Visa's Emergency Cash Disbursement reliable?

I have read the benefits page of Visa credit card, and it says they offer Cash Disbursement in case the card is stolen and they have a Global Customer Care number people can call and they will offer ...
18
votes
7answers
3k views

Which credit cards have global coverage?

While traveling I ran into two situations where my credit card was not accepted. I mainly use MasterCard. In China (although 10 years ago) Visa was accepted in most stores, but MasterCard was not. In ...
17
votes
4answers
4k views

Can a friend borrow my U.S. Debit Card with my consent?

I have a U.S. bank account with debit card and everything. Right now, I'm not in the U.S. but a friend of mine is going there for holidays. Can he borrow my Debit Card with pin so he can withdraw ...
17
votes
3answers
2k views

Will TfL's plan to close all Tube ticket offices affect (US) tourists?

Transport for London are trying to close all Tube ticket offices and move staff into ticket halls—whether or not that is a good idea is another question. Ticket offices, however, are obviously staffed—...
17
votes
2answers
1k views

Book flight with virtual credit card. Airline requires me to present the physical card prior to checking

I booked a flight for myself using my virtual credit card. It is a totally legit VISA card to my name from a bank in the departure country. However, it is totally virtual. Now, after the payment, ...
16
votes
9answers
2k views

How to avoid credit card fee gouging in foreign countries?

I'm leaving (the US) for the Dominican Republic tomorrow and I only just discovered that credit cards charge a 3% fee on every transaction. I haven't been out of the country lately, but this isn't how ...
16
votes
5answers
20k views

Is American Express widely accepted in UK?

I'm travelling to Wales (Snowdonia) and England (Cotswolds) this year and have no other credit card than an AMEX. I know that for example in eastern europe, the AMEX is not widely accepted. How ...
16
votes
9answers
7k views

German credit card in the US

I will be travelling to the US soon and for that I obviously need a proper credit card, because Americans love their plastic money. I already own a credit card but I am a little bit confused, because ...
16
votes
2answers
2k views

Why do restaurants and cafes in Ukraine make a transaction on each food separately?

I'm now in Kiev and found that some restaurants and cafes make a transaction on each plate separately. For example, yesterday I ordered a slice of Napoleon cake and a cup of hot chocolate. When I ...
16
votes
3answers
1k views

In Bulgaria do fast food chains, convenience stores, or petrol stations typically accept credit cards for small purchases?

In some countries such as Japan it's almost unheard of for a fast food chain or convenience store to accept credit cards. In others like Australia all convenience stores will and some fast food ...
16
votes
5answers
9k views

How can an American get a Maestro Debit Card?

I am an American and I plan on traveling to the Netherlands periodically over the next few years. I was recently there and had to use a hodgepodge of credit card, debit cards, cash and worst of all ...
15
votes
4answers
5k views

How can I buy an e-ticket for Netherlands train if I don't have a Dutch bank account?

I wanted to buy a train ticket today from the Dutch railroad website. It all worked fine, but when checking out, I was asked for my bank details and it seems that you can only pay if you have a Dutch ...
15
votes
3answers
6k views

Renting car without owning credit card

I have a credit card in my name, but no driving licence. My wife has a driving licence but no credit card. How do I get a rental car in Iceland? Is it possible to rent one? For example, in this link, ...
15
votes
2answers
2k views

Credit cards being charged more than once in Japan

When I gocto a shop in Japan, whenever I pay for something with a credit card, I am always asked if I want to charge my purchase more than one. My Japanese isn't very good, so I may be ...
15
votes
8answers
15k views

Can I use a VISA debit card in the Netherlands?

It seems that most debit cards issued in the Netherlands are on the Maestro network. Will places that only accept debit cards take my US-issued VISA debit card? From what I could tell, many places ...
15
votes
1answer
2k views

What car rental insurance should I get if my credit card provides some coverage?

I don't own a car and want to rent one in the US (California). I will be renting for 3 days. I am enrolled in the American Express Premium Car Rental program (the card is also issued in the United ...
14
votes
3answers
6k views

What if you don't bring your credit card or debit for incidentals?

Usually I never bring my card out, that's what I ask. Will not bringing my credit or debit card be a problem to a hotel such as The Park Ave North?
14
votes
7answers
16k views

Which ATMs offer no-fee cash withdrawals in Chile?

Which ATMs in Chile offer cash withdrawals without charging a fee? I am using a Visa Debit card. My bank will not charge me fees for withdrawals, but I am concerned that the ATM's bank might.
14
votes
6answers
4k views

Which major US bank chains have the lowest ATM fees for foreign cardholders?

I'm in the USA right now and would like to get some more cash with my non-US ATM card. However, a random sampling of ATMs at large banks (Wells Fargo, Citibank) has shown ATM fees in the $5-6 range, ...

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