U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Travel
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 04-08-2014, 09:18 AM
 
Location: North West Northern Ireland.
20,695 posts, read 19,505,116 times
Reputation: 3107

Advertisements

Ok, So I am going to USA for 5 weeks. I have a master card debit card. I was wondering do they have Chip & Pin over there? My card is Chip & pin so maybe it won't work?

Are you charged every time you purchase goods and if so is there a way of going past the charge?
Reply With Quote Quick reply to this message

 
Old 04-08-2014, 09:25 AM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,129,667 times
Reputation: 9980
Almost NO merchants in the US use Chip&Pin. Just about all of them are Swipe Card, and pin Pad.

Does your Card have the MagStrip on the back?

Also Tell your bank you are going to the US, so fraud alert does not kick in and shutdown your card.

Its against MasterCard/Visa Merchant agreement for them to charge you a Fee to use the card. They can impose minimum debit/charge amounts for you to use you card. Most are around $5-10USD.

Honesty if you are buying something less then $5-10USD you should use cash.
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 09:40 AM
 
Location: Phoenix, AZ > Raleigh, NC
15,069 posts, read 18,997,066 times
Reputation: 24167
Yes, but they will charge an international exchange fee each time you use the card. Often, the best thing is to stop at an ATM, withdraw the maximum you are allowed, and use cash for most purchases. You'll also get the best exchange rate by using the ATM.
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 09:43 AM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,129,667 times
Reputation: 9980
Also.... Another thing to check on, are you going to get hit with a "Exchange Fee" on each transaction? and/or a "International Transaction Fee"

From USD to GBP on each transaction?

On some Credit/Debit cards the fee (from your bank) can be 50cents to $1USD on each transaction. But your transaction fee would be in GBP's
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 10:42 AM
 
Location: North West Northern Ireland.
20,695 posts, read 19,505,116 times
Reputation: 3107
Yes thats what I want to know.

I don't mind if its 25p per transaction but if its like 3 each time then I will!!

The only worry is that I don't know how many pounds i'm spending.
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 10:47 AM
 
Location: North West Northern Ireland.
20,695 posts, read 19,505,116 times
Reputation: 3107
My bank says i'm charged a transaction fee of 2.35 and then 2.75 percent of each transaction.

Hmmm thats not what I want. Think I will just use the card for emergencies. Rip off
We shouldn't be charged anything.
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 10:48 AM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,129,667 times
Reputation: 9980
... There's a App for that...

1USD equals about 60p

But to make the math easy. Just divide all USD in half to get the Apx GBP

So $10 = 5
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 12:30 PM
 
Location: Phoenix, AZ > Raleigh, NC
15,069 posts, read 18,997,066 times
Reputation: 24167
Quote:
Originally Posted by Mac15 View Post
My bank says i'm charged a transaction fee of 2.35 and then 2.75 percent of each transaction.

Hmmm thats not what I want. Think I will just use the card for emergencies. Rip off
We shouldn't be charged anything.
That's nonsense, but I still say the most cost effective thing is to withdraw the max from the US ATM, then pay cash. Some banks do not charge the transaction fee - maybe you need to change banks. Yours does seem to be charging a high percentage of each transaction fee.
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 01:00 PM
 
6,387 posts, read 5,426,389 times
Reputation: 11015
Will you be staying in hotels? If so, do you have a credit card to use against incidentals? If you give them a debit card when you check in, the hotel will "freeze" a certain amount of cash as a deposit (usually a portion of your whole stay, or the cost of 1-2 nights) and it usually takes a few days for the funds to be released back to you after checking out.

Much better to use a credit card for this, even if you pay the actual hotel bill with the debit card (or even in cash).
Reply With Quote Quick reply to this message
 
Old 04-08-2014, 01:34 PM
 
Location: MMU->ABE->ATL->ASH
9,126 posts, read 17,129,667 times
Reputation: 9980
The O/P is 18, he is staying with his parents in FL on a holiday (They will be paying for the hotel/major food) .

He looking to use his debit card for Incidentals.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Travel
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top