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I don't think I'd be inclined to pay an allergy, high class or otherwisesome of the ... more upscale allergies will sometimes take credit
Many credit card no longer require you give them the heads up when travelling. That is the case with TD.If you are planning to use your credit cards to even ATM card in Europe, make sure your bank is aware of this, so they don't accidentally lock your accounts.
I have travelled across most of Western Europe and about the only credit card problem I had was with the Real Madrid Club store in Madrid - who would not accept my AMEX card, but they were happy to accept the Master Card so it may have been an issue with the AMEX fees rather than a general credit card ban. (BTW when I posted on a similar subject a year ago the pro-AMEX/con-AMEX responses were about even).I am curious if you can use any type of credit card. I will have cash and use cash machines, but I know there are some places that do take credit cards. Do they have to be a certain type? Like with a chip or only from Europe?
MMMM - a chip but no PIN. Would you mind explaining how this works?I used my credit cards from a US bank while on the Camino. Mine have a chip, but don't have a PIN.
Tee heeI don't think I'd be inclined to pay an allergy, high class or otherwise
Most places still won't take American Express, so it will be good to stick with Visa or Mastercard. And - I don't know if this has changed at all - we once used our credit cards - instead of our debit cards - to withdraw cash from an ATM in Europe. Big mistake! We didn't know it but the bank started charging interest right away on our "loan", and we received a large credit card bill later that month. We vowed never to do that again.
MMMM - a chip but no PIN. Would you mind explaining how this works?
Here in Oz (Australia) we went the other way - about 12-15 months ago it became mandatory for all credit card purchases (and I think Debit cards as well) to be completed via the use of a PIN - 4 or 6 digits. We also have "pay-wave" for those that like it (not me) for purchases up to $100.
Cheers
It would have been the same if you had used your credit card at an ATM in the US. It's considered a cash advance, and they begin charging interest the minute you take out the money
No auto correct on Camino or is there???I don't think I'd be inclined to pay an allergy, high class or otherwise
I spent 3 1/2 weeks in spain last May and no one ever asked me for ID. Nor did they ask me if I had a pin. They seemed to just know that American CC are chip and signatureMost places still won't take American Express, so it will be good to stick with Visa or Mastercard. And - I don't know if this has changed at all - we once used our credit cards - instead of our debit cards - to withdraw cash from an ATM in Europe. Big mistake! We didn't know it but the bank started charging interest right away on our "loan", and we received a large credit card bill later that month. We vowed never to do that again.
Also, in Spain, if you use your credit card at a vendor (store, restaurant, etc) they will ask you if it's PIN or "firma" (signature). If your card doesn't have a PIN, you'll say "firma" and then they'll ask to see your ID (passport should be fine). They are very consistent about checking your ID here, so you can be prepared for that.
Buen Camino!
My credit card must be special. I took money out of an ATM on my credit card by accident. I got distracted and pulled it out instead of my Schwab debit card. I realized as soon as I was done. I paid the card the same day (or maybe it was the next day) and never saw an interest charge. Or any fee given I don't incur foreign transaction fees. I have no intention of testing it again, though.It would have been the same if you had used your credit card at an ATM in the US. It's considered a cash advance, and they begin charging interest the minute you take out the money
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Many credit card no longer require you give them the heads up when travelling. That is the case with TD.
Well maybe they have not updated their website because now when you call to let them know you are leaving the voice tells you it is no longer necessary to so. So even if you do call, they don't want to speak to you telling you that their new IT system is so great you don't need to warn them.This is from TD's Help section on their website
https://www.tdbank.com/faqs/faqs_intl_indiv.html#traveling
Well maybe they have not updated their website because now when you call to let them know you are leaving the voice tells you it is no linger necessary to so. So even if you do call, they don't want to speak to you telling you that their new IT system is so great you don't need to warn them.
Must be a TD bank thing. But you are correct
https://www.tdcanadatrust.com/m/credit-acc-mgmt/setup-a-travel-notification.jsp
My Canadian bank capped the withdrawals limits to my account even after I told them I would be in Europe. They apologized and even paid for the long distance phone calls I had to make to get my accounts unlocked.'
What about the allergies.?hotels and some of the casa reals or more upscale allergies will sometimes take credit, but for the other 89% of the time it is all cash based. smaller bills are ideal due to the cheapness of everything...5-7 euros for municipals 10-13 for albergues and cafe con leches! i used an atm whenever i could find one took out 250 euros and then walked on. it will last for 10 days so plenty of time to walk through another bigger town that has an atm.
Its a long and complicated story but it comes down to whether the banks or card issuers have to pay for fraud. The long and complicated story is told at https://www.theatlantic.com/busines...east-secure-credit-cards-in-the-world/473199/MMMM - a chip but no PIN. Would you mind explaining how this works?
Its a long and complicated story but it comes down to whether the banks or card issuers have to pay for fraud. The long and complicated story is told at https://www.theatlantic.com/business/archive/2016/03/us-determined-to-have-the-least-secure-credit-cards-in-the-world/473199/ I have only one card that was setup with a PIN but it is one that I don't use so I haven't seen a credit card PIN in action.
Well maybe they have not updated their website because now when you call to let them know you are leaving the voice tells you it is no longer necessary to so. So even if you do call, they don't want to speak to you telling you that their new IT system is so great you don't need to warn them.
I assume if they've made the switch here at home that they will eventually get to making it down there.This reflects the difference between TDbank in the States and TDCanadaTrust in Canada
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