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  #21  
Old 24.05.2011, 14:23
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Re: Swiss credit card - tired of paying international fees

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I'll see those and raise you France, Spain, Portugal, Greece, Croatia, Cezch Rep, UK, Belgium, Sweden, Norway, Finland, Denmark, Poland, Thailand and USA.

I've had problems in one or two places, but as you point out, usually related to the outlet rather than the card. Sometimes, it was the machine... (i.e. tried another one in the same shop and it worked fine).



So what's the problem?
Two main reasons to use credit in the US: Credit card security (not your money) and tons and tons of miles (or other points). I have not paid for a flight for five years thanks to my credit card use. Surely, it was mainly for business expenses but I was thankful for it. I guess perks like that don't exist here.
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  #22  
Old 24.05.2011, 14:27
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Re: Swiss credit card - tired of paying international fees

My UBS maestro is often refused in the UK, Israel and Southern Italy. I also can't use it to withdraw cash from several French bank's ATMs.

I have a UK bank debit card that I use for most of my 'foreign spending' with no problems, but I also tend to take cash.
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  #23  
Old 24.05.2011, 15:41
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Re: Swiss credit card - tired of paying international fees

It's actually very embarrassing taking out your Swiss bank account card for a £35 shirt and it being declined
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  #24  
Old 24.05.2011, 16:20
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Re: Swiss credit card - tired of paying international fees

The maestro card didn't work for me in Canada.

Combine that with a silly limit of $200 withdrawal per day and you end up with a headache in your holidays.

Why do people say: "it must be your problem, it has always worked for me!" ? I don't get it, the world is a big place and some things don't always work as expected.

It doesn't matter if it works 99.99% of the times. The only thing I remember is that the stupid card didn't work when I needed it the most. Now I make sure I bring more than one card when I go abroad.

I am not very happy with the charges either. I have seen coop and migros offer credit cards without the yearly fee and with lower interest (if you do use the credit), I will probably ask for one of them. I don't know which one is better and suggestions are always welcomed.
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  #25  
Old 24.05.2011, 16:45
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Re: Swiss credit card - tired of paying international fees

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You are wrong!
I have a UBS debit card and I used it in more than 5 countries at different times without any problem.
That's probably because you have a UBS Mastro card... try doing this with a real debit (ATM) card...
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  #26  
Old 24.05.2011, 18:02
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Re: Swiss credit card - tired of paying international fees

I'm vacationing in Canada and can attest to the fact that the UBS Maestro Debit Card does not work in 99% of the places across Canada. The only place that you can use it (i've tried almost all the big banks) to draw money is BMO (Bank of Montreal) which accepts Maestro. Same story with Diners Club. Every one else accepts Visa and Master Card in Canada.

Safe bet is to carry different types of cards when you travel.
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  #27  
Old 24.05.2011, 18:06
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Re: Swiss credit card - tired of paying international fees

get a postfinance credit card and you get cashback on your purchases.

that should offset the % you're getting hit with.

oh and I live free of unstructured debts and have 3 credit cards
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  #28  
Old 24.05.2011, 18:13
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Re: Swiss credit card - tired of paying international fees

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Can anyone recommend better Swiss Credit card. My current card not only charges me an annual fee but everytime I travel abroad I have to pay 1.5% fee on every purchase.

Also it doesn't really act as Credit card since at the end of each month it automatically withdrawals funds from my bank account to pay the balance.

There has to be something better out there?
I obtained and used an American Express card for most of my out of Suisse purchases. My Credit Suisse Chip and Pin card didn't work in the UK even though it did work in France and Italy, sometimes.

As far as charges go, the AMEX card costs the business a bit more but there are no charges to the card holder for use internationally. And believe me those charges add up rapidly.

Of course, I also had a US bank account as well as my Suisse account.
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  #29  
Old 24.05.2011, 20:09
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Re: Swiss credit card - tired of paying international fees

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To the OP, I think one of the supermarket credit cards (Migros or Coop) have pretty good deals on fees. Haven't got time to dig up the info but check out their websites.
I don`t use a credit card, but a friend of mine does, and found the Migros Budget Card fantastic .... NO charges!... Nada!...Nothing! He uses it only when travelling, for flights, hotels, etc, ..... its a Master Card.

Not so pretty looking... all green and "Migros"-y looking, but still a Master Card.
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  #30  
Old 24.05.2011, 20:34
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Re: Swiss credit card - tired of paying international fees

They charge a 1.5% foreign currency fee within the exchange rate.
http://www.gemoneybank.ch/de/karten/...Rechnung_D.pdf
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  #31  
Old 24.05.2011, 20:37
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Re: Swiss credit card - tired of paying international fees

Yeah, I just checked their terms and conditions and the same 1.5% fee applies. I guess American Express is the only card I heard of without such fees.
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  #32  
Old 24.05.2011, 20:49
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Re: Swiss credit card - tired of paying international fees

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Yeah, I just checked their terms and conditions and the same 1.5% fee applies. I guess American Express is the only card I heard of without such fees.
UK Post Office credit card is the only one (assuming it still is totally free!). I got one once the Nationwide changed their fees. Then when Nationwide changed the Debit card fees I opened a Metro Bank account and now use that for ATM withdrawals. Again, totally free.

Of course, this isn't really possible unless you live(d) in the UK.
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