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-   -   Credit card with good online functions (https://www.englishforum.ch/finance-banking-taxation/302166-credit-card-good-online-functions.html)

NewInTownForever 14.01.2021 13:30

Credit card with good online functions
 
Hello,
could you please recommend a credit card (possibly free) with good painless online banking features?

I just discovered that my UBS credit cards require, if you want to contest a bill
- Do it max in 30 days (that's not the end of the world, although it could be better)
- Send a paper letter to their office :msnshock:

My AMEX in another EU country required a phone call in max 90 days to contest charges. I thought that was backward...until I had to deal with UBS.

I have an eye on the Cumulus credit card, and on the Cashback cards, but I'd like to know first-hand experiences, before signing up and then realizing that they too are stuck in the 20th century.

Axa 14.01.2021 13:41

Re: Credit card with good online functions
 
I guess I'm old, but the AMEX offer than the one that answers your call solves the problem is still unbeaten by other companies. Also, since I use the AMEX outside of the country charges go automatically to 6 month with zero interest. A nice parachute in case of need.

Also, the 30 and 90 day deadlines are OKish because it's possible to active email notifications for every payment.

AbFab 14.01.2021 14:36

Re: Credit card with good online functions
 
Iím very happy with https://www.viseca.ch/en. All in English. Great App. Mine is set to inform on my phone as I pay - even works instantly in Australia.

They work on the phone or through the App as needed.

I have it through my bank ZKB...

HickvonFrick 14.01.2021 15:20

Re: Credit card with good online functions
 
Quote:

Originally Posted by AbFab (Post 3263309)
I’m very happy with https://www.viseca.ch/en. All in English. Great App. Mine is set to inform on my phone as I pay - even works instantly in Australia.

They work on the phone or through the App as needed.

I have it through my bank ZKB...

Perhaps good if value for money is no concern whatsoever. Which it must not be if you ever pay FX fees (I certainly don't) and if you bank with a cantonal bank. I'm a millenial, and thus a cheapskate when it comes to banking:

OP:
I use Amex cashback card, migros cumulus or coop card is best for mastercard spend. Admittedly the coop app sucks.

Use Revolut for spending abroad (or Neon - if you bank with them) to avoid FX fees. The Neon current account app isn't the most expensive feeling, but its functional and reasonably well ergonomically designed.

kri 14.01.2021 22:35

Re: Credit card with good online functions
 
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.

K

Gravity 14.01.2021 22:55

Re: Credit card with good online functions
 
I'll attach to this question.



Does anyone recommend a hassle-free provider of one-time disposable Swiss credit cards? I use Revolut premium for that, but maybe there's something local.

HickvonFrick 15.01.2021 02:48

Re: Credit card with good online functions
 
Quote:

Originally Posted by Gravity (Post 3263536)
I'll attach to this question.



Does anyone recommend a hassle-free provider of one-time disposable Swiss credit cards? I use Revolut premium for that, but maybe there's something local.

What do you mean by one time and disposable?

eyebeebe 15.01.2021 08:33

Re: Credit card with good online functions
 
Quote:

Originally Posted by HickvonFrick (Post 3263574)
What do you mean by one time and disposable?

The app generates a single use credit card number/expiry date/security code to use for a purchase. Once you have used it, the combination is cancelled. Itís so that even if someone steals the card details from the website youíve used it on (not sure if they work physically via your phoneís wallet and in any case I donít believe that your phone shares the card details with the merchant) they are useless to the thief.

Gravity 16.01.2021 00:11

Re: Credit card with good online functions
 
Disposable cards are good not only to protect yourself against Man-In-The-Middle and spyware thefts, but also to protect you against accidental purchases. Many providers insist on giving them valid credit card to open the account where you can consume free content as well as paid content. Games with in-app purchases are most often designed in a way so that it's very easy to accidentally purchase additional content while playing.



In general I leave my credit card details only with trusted providers. I know there's an insurance protection on the card but I prefer not go into that hassle of filing the complaint.

freeburgh 17.01.2021 23:02

Re: Credit card with good online functions
 
Quote:

Originally Posted by kri (Post 3263528)
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.

K

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
outrageous.

HickvonFrick 18.01.2021 01:49

Re: Credit card with good online functions
 
Quote:

Originally Posted by freeburgh (Post 3264577)
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.

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

I'm not sure this is good advice, tbh I think rather than it being a bad product it's a good product that you've been misusing:

1. Don't use it abroad. Heck just don't ever pay FX fees ever. Use revolut, transferwise or Neon when abroad. It upsets my inner cheapness when I see all the Swiss saving money by cross border shopping then paying totally unnecessary FX fees.

2. There is no credit score in Switzerland. In any case I don't understand why contesting a bill means you have incurred interest charges. I've contested a bill before and just paid my monthly bill as usual.

3. There are no fees for the Amex cashback card (Unless you pay interest or FX fees - both of which are totally unnecessary as per the above).


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