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Old 14.01.2021, 13:30
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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

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.
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Old 14.01.2021, 13:41
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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.
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Old 14.01.2021, 14:36
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Re: Credit card with good online functions

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...
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Old 14.01.2021, 15:20
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Re: Credit card with good online functions

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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.

Last edited by HickvonFrick; 14.01.2021 at 15:47.
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Old 14.01.2021, 22:35
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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
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Old 14.01.2021, 22:55
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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.
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Old 17.01.2021, 23:02
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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.

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.
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