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Old 02.02.2015, 20:27
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charges in Visa/train 1/2 price card..

Hi there,
I really don't understand these charges on this card ..
I was late paying the 150CHF francs.. (for the 1/2 card bonus rail card)
but I'm not sure why they charged 2CHF after I paid the 150CHF (via internet banking) ..

so I went to interenet banking and paid a further 2CHF, now I got some "interest" (?) charge, and another 2CHF charge..

so I assume they charge me 2CHF for internet banking? so how am I suppose to pay for this?? I have to pay 2 CHF plus each time I have a payment to make??
Thank God I haven't been using this card as a Visa card..
can someone let me know if this is correct?..
thank you so much!!

charges-visa-train-1-2-price-card-visacard.jpg
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Old 02.02.2015, 21:52
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Re: charges in Visa/train 1/2 price card..

I gather it like that:

1.34 is interest for not paying the 150 on time.
2.00 is charged for "reloading" - it´s per reload.

You currently owe them 3.35 - if you want to pay up to have a zero-balance, you should pay 5.35 now. Actually, I´d add a few Rappen, as they will charge interest for the currently outstanding balance.

Why not get a free Migros and/or Coop credit card?
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Old 02.02.2015, 22:55
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Re: charges in Visa/train 1/2 price card..

that is so ridiculous to be charged every time I pay..
I must call and ask if there is another way to pay.. cash at the post office??
it's just annoying that I have to pay 2Fr each time...

I only have this card for the 1/2 price bonus, I don't use it for any purchases.. but I had to top it off right in December and I was away..

thanks for your help!
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Old 02.02.2015, 23:00
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Re: charges in Visa/train 1/2 price card..

Put a decent deposit on it and then you will only pay the 2 CHF once, the details are clearly specified in their T&Cs or pay it at an SBB office
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Old 02.02.2015, 23:01
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Re: charges in Visa/train 1/2 price card..

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Put a decent deposit on it and then you will only pay the 2 CHF once, the details are clearly specified in their T&Cs
If they don´t charge negative interest, this might become the way to go
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Old 02.02.2015, 23:03
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Re: charges in Visa/train 1/2 price card..

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Why not get a free Migros and/or Coop credit card?
Or a normal VISA card from SBB?

The problem is the pre-pay, and not paying it 'pre'.

Tom
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Old 03.02.2015, 14:39
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Re: charges in Visa/train 1/2 price card..

it's a card for the Halb price abo (not sure if that's the exact name)..but I'm supposed to put 150 every year.... that's why I have this card, I don't use it for anything else other than to have this 1/2 price abo,
last time I tried to put the 150CHF at the train station and they said I couldn't... I needed to print the Rechnung and go to post office, but at the Post office they said I'll have to pay 5CHF more..
how complicated!
oh well, going back to the UK (sadly) soon, so it's the last time I have to pay for this..

thanks for your replies!
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Old 03.02.2015, 14:57
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Re: charges in Visa/train 1/2 price card..

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it's a card for the Halb price abo (not sure if that's the exact name)..but I'm supposed to put 150 every year....
The exact name is "Half-Fare travelcard with Visa prepaid card"
There is a CHF 2 / 1% charge fee.

GTC
http://www.sbb.ch/content/sbb/en/des...r.download.pdf

Fees:
http://www.sbb.ch/content/sbb/en/des...r.download.pdf
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