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Old 17.01.2021, 22:02
freeburgh freeburgh is offline
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Join Date: Jul 2018
Location: Fribourgh
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Re: Credit card with good online functions

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I think nothing beats Amex. They solve everything so quickly and with a smile.

I have the Coop Supercars Visa (Topcard) and the Cumulus MasterCard (Cembra).

Both fine and free but no chance to email or live chat, only phone or letters. A chargeback claim will also require a form to be filled and mailed.

Switzerland is in general quite paper based still.

AMEX in Switzerland is not very good. .

1. very high fees 2.5-3% for foreign transactions.
2. vendor screwed me over, filed claim in SEPT 2020, got
refunded in JAN 2021 so its min 3-4 months to get a refund from AMEX SWISS. They are giving the vendor 45 days to contest your charge back.
Taking forever to refund to your credit card, they did refund the interest
charges but the 4 months of no payments to your credit score can do a huge damage.

My experiences is not good for AMEX SWISS. I am and the fees are
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