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  #21  
Old 02.09.2007, 22:46
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Re: Swiss Credit Cards

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Anyone know of a credit card I can get to use over here with an L visa??? Transferring money back to NZ and currency exchange fees are getting expensive.
you can have a master card UEFA 2008 at UBS with an L permit . with L permit i noticed is kind of hard to get a credit card...but seems Swiss are very pround of the UEFA thing and it is easier to get it

i didn't try that but i have an indian friend with L permit that got the card in 10 days

Last edited by archie; 02.09.2007 at 23:00.
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  #22  
Old 06.09.2007, 21:51
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Re: Swiss Credit Cards

I was in the Orange Mobile store the other day and saw a credit card being advertised. I think it's 2 or 3 points for Orange payments and 1 point for all other purchases. I assume you redeem points for free minutes.
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  #23  
Old 06.09.2007, 22:42
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Re: Swiss Credit Cards

Between Visa and Mastercard
Im currently have Visa and thinking of switching to Mastercard.
Why? I spent most of my cash in Coop or Migros and sadly both of them dont accept Visa but the do accept Mastercard (because they have their on Mastercard credit card i guess).

By the way.. the usage of credit card here is not as much as in UK. People here still prefer cash for daily shopping.
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  #24  
Old 06.09.2007, 23:07
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Re: Swiss Credit Cards

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Why? I spent most of my cash in Coop or Migros and sadly both of them dont accept Visa but the do accept Mastercard (because they have their on Mastercard credit card i guess).
Are you sure about that? Here in Zurich even my small neighborhood Coop has been accepting Mastercard, VISA and even Amex ever since Coop introduced its own credit card. The Migros stores at Limmatplatz and Zurich main station have been accepting Mastercard only for a while, but I recently noticed that they also accept VISA and Amex now.

But maybe things are different in Berne...
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  #25  
Old 06.09.2007, 23:10
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Re: Swiss Credit Cards

Huh.really? not here in Bern yet. As usual Bern ist immer langsam. (Bern is always slower than the rest)
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  #26  
Old 06.09.2007, 23:45
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Re: Swiss Credit Cards

L=Loser. sorry.
dunno why but with L-permit you get nothing at all if you dont
flush over some dosh for the deposit-> sucks.
i think its because the bank reacts with that politics against
losing money/having stress getting it back from foreigners
that out of a sudden return to their country/leave CH. of course one can do it even though he has an permanent contract, b-permit etc. but its not likely...?!

i do have visa from suisse account, visa from lufthansa miles n ore (1mile for 1 euro or 2 swiss franc)that can be ordered at www.miles-and-more.com) and a visa from my german bank.

what i have heard about most amex-users...that they had several times problems in acceptance etc. dunno, but it seems to be a card to leave out...
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  #27  
Old 07.09.2007, 02:21
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Re: Swiss Credit Cards

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Between Visa and Mastercard
Im currently have Visa and thinking of switching to Mastercard.
Why? I spent most of my cash in Coop or Migros and sadly both of them dont accept Visa but the do accept Mastercard (because they have their on Mastercard credit card i guess).

By the way.. the usage of credit card here is not as much as in UK. People here still prefer cash for daily shopping.
I can confirm I had no trouble using my UK Visa credit card in Migros and Coop last month.
I did visit Bern, but not to food shop, so you might be right, but it seems unlikely.
Correct that credit and debit card usage is lower than in the UK, as it also is in Germany.
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  #28  
Old 28.04.2008, 19:05
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Which credit card?

Hello!

I just opened a bank account today. While I was doing so I was offered a credit card (from Credit Suisse).

I generally don't want a credit card (a Maestro should be more than enough?)

But a friend (who lives in the US) said it's a good idea: he gets $700-$800 back every year, and various other benefits.

So which one should I get? I'd rather not have to pay a yearly fee...
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  #29  
Old 28.04.2008, 19:09
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Re: Which credit card?

also read this thread:
Credit cards - without annual charges
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  #30  
Old 28.04.2008, 19:11
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Re: Swiss Credit Cards

I don't know about the Credit Suisse card but try COOP or Migros credit card as there are no annual fees for these. I have both COOP and Migros card with me the only negative point is that you cannot check the balance online.
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  #31  
Old 28.04.2008, 19:24
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Re: Swiss Credit Cards

Do you think it's necessary to have a Swiss credit card?

So far I have US Mastercard and a UK Visa, so between the two of them, I think I can cover most of my online shopping done abroad.

Is Maestro enough for the rest, within Switzerland?
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  #32  
Old 28.04.2008, 21:05
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Re: Swiss Credit Cards

To reply to my own question, I asked around some colleagues today, and they told me that you need both a debit and a credit card.

You need a debit card for supermarkets and shopping in person, as some places don't accept debit cards.

You need a credit card for things like shopping online, renting a car.


Any opinions on this?
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  #33  
Old 28.04.2008, 21:26
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Re: Swiss Credit Cards

Can't you use your existing Visa, Mastercard, Maestro credit cards from whatever country you come from? Or do they have to be Swiss? Do these cards need to have pins? Or can you sign for them?

Can you use these credit cards to pay daily items such as groceries and gasoline for your car? In other countries, they require the "debit" card with pin to immediately deduct it out of your bank account.
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  #34  
Old 28.04.2008, 21:29
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Re: Swiss Credit Cards

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Can't you use your existing Visa, Mastercard, Maestro credit cards from whatever country you come from? Or do they have to be Swiss?
You probably can, but you pay extra since you are using them outside of their domain.

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Do these cards need to have pins? Or can you sign for them?

Can you use these credit cards to pay daily items such as groceries and gasoline for your car? In other countries, they require the "debit" card with pin to immediately deduct it out of your bank account.
Your card doesn't necessarily have to have a chip (=> pin) to pay in Switzerland, but there might be exceptions (e.g. supermarkets)
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  #35  
Old 11.05.2008, 09:23
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Re: Swiss Credit Cards

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You probably can, but you pay extra since you are using them outside of their domain.


Your card doesn't necessarily have to have a chip (=> pin) to pay in Switzerland, but there might be exceptions (e.g. supermarkets)
so far I have been able to use any of my Canadian cards anywhere I have shopped in the last two months. I now do have a maestro card, that every store I've gone into has accepted, and I've noticed most people pay cash here anyways. I would say if you have a maestro for your major shopping and a credit card from somewhere else for online shopping your probably just fine.
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  #36  
Old 11.05.2008, 09:55
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Re: Swiss Credit Cards

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Can't you use your existing Visa, Mastercard, Maestro credit cards from whatever country you come from? Or do they have to be Swiss? Do these cards need to have pins? Or can you sign for them?

Can you use these credit cards to pay daily items such as groceries and gasoline for your car? In other countries, they require the "debit" card with pin to immediately deduct it out of your bank account.
I don't use CC's that often, but when I first moved here, I had no trouble using my US credit/debit cards (Visa/MC) anywhere in Zurich, and that included shopping for groceries at COOP/Migros. But, in the smaller towns outside of Zurich, COOP/Migros wouldn't accept them. You either have to pay with cash or the debit card with PIN from a Swiss bank. For other local shops, it's mixed; some will accept them, some not.

Of course, there are also conversion rates to be concerned about, plus your creditor will charge you fees for using them here (3% on mine, IIRC).

Last edited by latigresse; 11.05.2008 at 10:07.
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  #37  
Old 11.05.2008, 11:10
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Re: Swiss Credit Cards

I haven't gotten a credit card yet, but I did some research into the ones available.

In the US, one of the reasons people get credit cards is for the benefits (e.g. 2% of your money back, or some point scheme, etc). Some Swiss cards have this, but they're not really worth it.

The exception is the Post credit card that gives you from 0.5% to 1.5% of your money back. They also have only a 0.9% surcharge for buying stuff in other countries. I was about to get one but you need a post account (and the staff was kinda rude).

The card that I liked the most were the ones from Cornèr (http://www.cornercard.ch ) The reason is that it only has 0.9% surcharge for using it with other currencies and they also offer some kind of legal insurance for stuff you buy on your card. They also have the prettiest cards :-)
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  #38  
Old 12.06.2008, 14:26
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Miles and More still in the last decade

Have just been to use my new Miles and More Visa card for the first time, and noticed it isn't chipped! which means can't be used in CooP etc .(

Does anyone have a Miles and More credit card with a chip?

Dave
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  #39  
Old 12.06.2008, 14:29
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Re: Miles and More still in the last decade

The Coop supercard does not have a chip either. You do know Coop EFT machines read magnetic strips too, right?
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  #40  
Old 12.06.2008, 14:39
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Re: Miles and More still in the last decade

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The Coop supercard does not have a chip either. You do know Coop EFT machines read magnetic strips too, right?
Well the one in Crissier apparently doesn't. at least that was what I was told But anyway why the hell issue a credit card without a chip in this day and age
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