![]() ![]() Current member of Amazon Prime, Costco, Sam’s Club, or a Verizon postpaid customer?:.Number of personal credit cards approved for in the past 24 months: 1Įstimate average monthly spend in the categories below.ĭo you plan on using this card abroad for a significant length of time?: No, for about 2 weeks for this current tripĪny other categories or stores with significant, regular credit card spend :Īmazon: can vary wildly, but bounces between $50-150 per monthĪny other significant, regular credit card spend you didn’t include above?: NoĬan you pay rent by credit card? If yes, list rent amount and if there’s a fee for paying by credit card: No Number of personal credit cards approved for in the past 12 months: 0 Number of personal credit cards approved for in the past 6 months: 0 Oldest credit card account age with you as primary name on the account: 4 years FICO Scores with source (see note on FICO score sources below):.I’m going to be traveling abroad, but both of my current cards have foreign transaction fees, so I’m looking for a card without any that I’ll still find useful once I’m back:Ĭurrent credit cards you are the primary account holder of:Ĭhase Freedom Unlimited, $8,600 limit, opened (use for dining and as a catch all)īOA Custom Cash Rewards Preffered, $5,400 limit, opened July 2018 (having trouble finding exact date) (mainly used for 3% online purchases and groceries) We may make an exception if it's truly unique and helpful. Self-promotional posts must be pre-approved by a mod. ![]() Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different.CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars before it is entered into the Visa or Plus Networks, the conversion rates and fees of the company that did the conversion will apply. If a transaction initially in a foreign currency is converted to U.S. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and MAY BE HIGHER THAN THE RATE YOU COULD HAVE GOTTEN IF YOU HAD CONVERTED U.S. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. The currency conversion rate that Visa typically uses is either a government mandated rate or a wholesale rate provided to Visa. dollar currency by a currency conversion rate. dollar amount by multiplying the transaction amount in the non U.S. dollar transaction amount is converted into a U.S. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollars using its currency conversion procedure. dollars, Visa will convert the transaction amount into U.S. Mine is very good, but pay attention to the line in all caps:įoreign Transactions - If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. This is from the fine print (in surprisingly easy to understand English) on my credit union's website regarding my cashpoints/ATM debit card, you might want to delve into your bank or credit union's fine print - it really varies from card to card. Wallethub link on withdrawing money abroad: Consolidate your withdrawals so you're not making one every day, but you also don't want to carry too much cash. When you make a withdrawal from an ATM/cashpoints you may be charged a fee (just like you might in the US, depending on your bank and the machine you use). You really need to read the fine print on your account. Some Chase cards have no foreign transaction fees and some do. You earn double frequent flyer miles on it for any travel related purchases like airline tickets, train tickets, and eating in restaurants. We got a Chase Sapphire credit card especially for our trip. Definitely don't want to use a credit card to get money out of an ATM, but for purchases if you have one with no foreign fees they are better than debit cards. Do you have a credit card? We used a credit card with no foreign fee for purchases and just used our debit card for withdrawing money from ATMs.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |