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  #21  
Old 14.08.2011, 16:05
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Re: What do you need a credit card for in Switzerland?

You need one to rent a car. I haven't had one for 3 years, but when I went on vacation & couldn't rent a car I almost went into melt down.
A car is essential in many parts of the US.

Get one & keep it just in case.
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  #22  
Old 14.08.2011, 17:58
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Re: What do you need a credit card for in Switzerland?

I've linked my SBB mobile account to a credit card so I can purchase tickets on my mobile phone.
And also for a little bit (... ) of online shopping
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  #23  
Old 16.08.2011, 11:24
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Re: What do you need a credit card for in Switzerland?

For everything else there is Mastercard...
... For JD Sports Minority Card is Priceless

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  #24  
Old 16.08.2011, 11:36
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Re: What do you need a credit card for in Switzerland?

my existing CC is now cancelled. now just need to decide if i will apply for the new one or not. right now, i can't be bothered, but i figure i might curse myself later on
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  #25  
Old 16.08.2011, 11:42
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Re: What do you need a credit card for in Switzerland?

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The only reason I don't like credit cards is because they put up the price of goods by about 5% or so as that's how much the credit card companies charge retailers! But nothing we can do about it because I suspect there are rules and regulations against charging different prices depending on the method of payment, however I did manage to get discounts from retailers on big purchases as long as I said I was going to pay by a debit card
More like 1% (for Mastercard and Visa, I believe Amex are more) and in the EU and Switzerland this can be passed on - try buying something from Digitec and you'll see.

Of course this is then abused by companies like Ryanair who charge vastly more than the credit card fee as their charge for CC payment.
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  #26  
Old 16.08.2011, 11:50
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Re: What do you need a credit card for in Switzerland?

Hotels, restaurants, Italian highway tolls, Italian supermarkets, internet shopping...

Tom
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  #27  
Old 16.08.2011, 11:51
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Re: What do you need a credit card for in Switzerland?

Sigh...and here I am without a credit card. PostFinance just refused my application, I still wonder why!
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  #28  
Old 16.08.2011, 12:00
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Re: What do you need a credit card for in Switzerland?

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More like 1% (for Mastercard and Visa, I believe Amex are more) and in the EU and Switzerland this can be passed on - try buying something from Digitec and you'll see.
Merchant fees are much higher than 1% for sure! Whether Mastercard or Visa get just the 1% is entirely possible as they have to pay the rest of people in the pyramid scheme to get that 1%.

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Of course this is then abused by companies like Ryanair who charge vastly more than the credit card fee as their charge for CC payment.
Well this is likely to vanish or be included in the price just like airport surcharges, I think they still quote flight tickets without airport fees and taxes in north america!
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  #29  
Old 17.10.2011, 16:16
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Re: What do you need a credit card for in Switzerland?

hit my first credit card snafu today - tried to buy an android app - credit card was refused (not surprising since i cancelled it) and google doesn't offer an option other than credit cards to buy apps.
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  #30  
Old 17.10.2011, 16:35
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Re: What do you need a credit card for in Switzerland?

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take two credit cards.. purchase something with the first ..near the end of interest free period of the first ..pay the first's bill off with the second....then near the end of interest free period of the second pay the second's bill off with first... repeat as necessary
rrrright... and you don't think someone has thought of doing that before?

paying a CC bill with another is treated as a cash advance. usually attracts a 5% fee. how do you think banks get rich??
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Old 17.10.2011, 16:54
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Re: What do you need a credit card for in Switzerland?

For those without credit cards, how do you purchase airline tickets? Is Maestro accepted by some airlines/websites? Do you use paypal?
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  #32  
Old 18.10.2011, 00:54
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Re: What do you need a credit card for in Switzerland?

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For those without credit cards, how do you purchase airline tickets? Is Maestro accepted by some airlines/websites? Do you use paypal?
for business travel, i get work to arrange it. for personal travel, i fly swiss and they accept postfinance as a payment method.
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  #33  
Old 20.10.2011, 14:47
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Re: What do you need a credit card for in Switzerland?

for online shopping pay pal is a good alternative
for car rentals, hotels, etc a CC is usually needed as guarantee
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  #34  
Old 20.10.2011, 15:11
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Re: What do you need a credit card for in Switzerland?

I have a Coop Mastercard and a Coop Visa card. No annual charges. Credit charged at 9% per annum.

Essential in my opinion if you intend to travel. Just don't buy anything you can't afford to repay within a few days.
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  #35  
Old 20.10.2011, 15:40
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Re: What do you need a credit card for in Switzerland?

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I have a Coop Mastercard and a Coop Visa card. No annual charges. Credit charged at 9% per annum.

Essential in my opinion if you intend to travel. Just don't buy anything you can't afford to repay within a few days.
I was looking at the Coop card - I was wondering what kind of limits they give, however. Could I, for example, buy 2 international plane tickets with a bit of room to spare (almost the only reason I want a CH credit card)? We have a US credit card that's fine (no international transaction fees), but paying it is a pain (transferring money to our US bank account, etc.)
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  #36  
Old 20.10.2011, 16:21
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Re: What do you need a credit card for in Switzerland?

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I was looking at the Coop card - I was wondering what kind of limits they give, however. Could I, for example, buy 2 international plane tickets with a bit of room to spare (almost the only reason I want a CH credit card)? We have a US credit card that's fine (no international transaction fees), but paying it is a pain (transferring money to our US bank account, etc.)
The limit/acceptance depends on your income and possible debts, but on the Coop card you typically get a rather low limit (2000 CHF or so) esp. if it is not your only credit card. However if you call them and ask for a higher limit, it's not a problem (as long as your financial situation allows it).

Last edited by Wakey; 20.10.2011 at 16:23. Reason: typo
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  #37  
Old 20.10.2011, 17:31
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Re: What do you need a credit card for in Switzerland?

For getting your money back when the merchant goes bankrupt without providing the goods.
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  #38  
Old 20.10.2011, 18:03
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Re: What do you need a credit card for in Switzerland?

I have a miles and more cornercard creditcard. I pay most of my bills with it, petrol, groceries, booking anything onnline (hotel reservations, flights etc all require credit card) and try to have the "swiss mentality" of only purchasing things when needed (as opposed to living on credit). My husband and I have already been on 2 long haul trips with those miles. Not only that, but when you fly with the same airline, they also give you miles. So it's almost like double. So instead of credit card companies using you, you can also use them! I even know of someone who bought land with theirs. Got plenty of air miles! It's a handy tool if you're planning on using it sensibly, and you travel frequently.
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  #39  
Old 20.10.2011, 18:19
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Re: What do you need a credit card for in Switzerland?

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Just cancelled by old expensive UBS credit card and got the BonusCard application in the post. Since I have the effort of photocopying various IDs and posting the application off, I wondered what I actually needed a credit card for and whether I could avoid having one completely.

I remember using one for kitag.com but other than that i haven't used credit cards much here. Anyone here had problems from not having one here in Switzerland? Or know of a reason why it is good to have one?
Umm you did not mention Debit Card, that can be used in most instances as opposed to Credit Card when cash is not an option, on-line etc, but from comments here believe CC is necessary for Car-hire, I personally would not like to be without a CC for back up, but if your partner has ones then ok.
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  #40  
Old 20.10.2011, 18:23
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Re: What do you need a credit card for in Switzerland?

you definetly need it to book the hotels so you can show the hotel booking and get the Visa. Doesn't matter if you cancel the booking later or pay in cash when you arrive at the hotel.
Also some time to buy stuff from Amazon when they are shipping it to Switzerland.
And many other cases ... mostly when you do buy things outside switzerland i.e. online .
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