Using credit card oversea

[Pinobii]

  On 6/28/2017 at 2:27 PM, Enye said:

if want to count until like that, then better full cash yo....

 

i simply consider that few dollars every transaction a convenience fee for me to bring less cash

 

scared lose the cash overseas or tio robbed

 

 

[Tianmo]

  On 6/28/2017 at 2:27 PM, Enye said:

if want to count until like that, then better full cash yo....

 

i simply consider that few dollars every transaction a convenience fee for me to bring less cash

 

scared lose the cash overseas or tio robbed

 

 

[Enye]

  On 6/28/2017 at 2:31 PM, Pinobii said:

Think 165x165 de, robbers wont target ð

恶犬 also won't get targetted one

 

 

[Mcf777]

  On 6/28/2017 at 2:19 PM, w7_lee said:

I believe that when they say 'enable', they meant enable the magnetic strip for swiping.

 

I think the strips are more prone to being clone.

 

But I am not exactly certain. I travel about 6 times each year around SEA (for work) and have not enable my strips. Only using the smart chips.

You are right.

 

"Enable" means : Can using the OLD school type of machine for swiping.

[Enye]

  On 6/28/2017 at 2:31 PM, Tianmo said:

Elite is usually always kiasi one, unlike peasant me, they rob me also get nothing, just they unlucky.

they shouldn't try to rob you after your ktv outing

 

all the cash with the xmm already

 

 

Edited June 28, 2017 by Enye

[Pinobii]

  On 6/28/2017 at 2:33 PM, Enye said:

恶犬 also won't get targetted one

 

 

[Fcw75]

Yes, enable means enabling the magnetic stripe of your credit card.

 

Your CC can be used with the smart chip overseas.

[Enye]

  On 6/28/2017 at 2:34 PM, Pinobii said:

Ya lor, later tio bite bite how, insurance bo bao ð¤£ð¤£ð¤£

insurance bo bao is small matter

 

later tio 疯狗症 become like chief how?

 

 

[Jman888]

  On 6/28/2017 at 2:22 PM, Thaiyotakamli said:

Since on this topic

 

Any idea how to check the exchange rate of credit card?

 

I last went to dubai to buy some clothing and bought a handbag.

 

The clothing i used citibank, and the rate very jialat, its like $3-4 dollar lost in $70 transaction

 

But i used amex for few k transaction and to my dismay the exchange rate is good, similar to money changer.

 

Any way to check before qe swipe?

Cannot check if you charge in local currency cos the exchange rate is base on the issuing bank.

 

However if you want to charge in SGD, some of them (not all) allow to do so and give you the exchange rate on the spot, if you agree with the rate then they will. proceed.

  On 6/28/2017 at 2:39 PM, Fcw75 said:

Yes, enable means enabling the magnetic stripe of your credit card.

 

Your CC can be used with the smart chip overseas.

mean better activate if going to less developed country.

[Blueray]

  On 6/28/2017 at 2:22 PM, Thaiyotakamli said:

Since on this topic

 

Any idea how to check the exchange rate of credit card?

 

I last went to dubai to buy some clothing and bought a handbag.

 

The clothing i used citibank, and the rate very jialat, its like $3-4 dollar lost in $70 transaction

 

But i used amex for few k transaction and to my dismay the exchange rate is good, similar to money changer.

 

Any way to check before qe swipe?

 

iirc, the exchange rate is for Visa and Mastercard is determined by Visa and Master themselves.

 

not sure about Amex.

 

in any case, all cannot check before swiping one. 

Edited June 28, 2017 by Blueray

[RH1667]

  On 6/28/2017 at 2:27 PM, Enye said:

if want to count until like that, then better full cash yo....

 

i simply consider that few dollars every transaction a convenience fee for me to bring less cash

 

scared lose the cash overseas or tio robbed

 

 

[Volvobrick]

I avoid using Visa/Master overseas - exchange rate sucks.

 

Try Union Pay - fair FX.

[Thaiyotakamli]

  On 6/28/2017 at 3:28 PM, RH1667 said:

Those very rich ones really don't care about those few dollars ð

Yes i am not rich thats why ask lol

[Ben5266]

  On 6/28/2017 at 6:10 PM, Thaiyotakamli said:

Yes i am not rich thats why ask lol

Wah! Got Amex. Signed a few k bill.

Still not rich?

 

Btw, I kena con by HSBC card.

A hotel double charged me on my stay. Then they reversed one charge. I can see on the statement, the euro amount is the same. But when changed to sgd, it was a shortfall of $50.

I called in to complain. HSBC said, they can waive the 1.5%. But 2.5% is by Visa. I have to LL pay the shortfall.

Then I request to speak to the manager. They said will call me back. But two weeks over. No sound.

Haiz. Have to stop driving for one week to save $50.

 

HSBC bank. Shitty bank.

[Jman888]

  On 6/28/2017 at 11:41 PM, Roadrunner2029 said:

Why stop driving for one week will save $50? COE burning at $15/day even park at home.

that one is sunk cost so LLST, but money not spent is saving.

[Enye]

  On 6/28/2017 at 3:28 PM, RH1667 said:

Those very rich ones really don't care about those few dollars ð

those very rich ones really don't care about 80k coe price

[Thaiyotakamli]

  On 6/28/2017 at 10:12 PM, Ben5266 said:

Wah! Got Amex. Signed a few k bill.

Still not rich?

 

Btw, I kena con by HSBC card.

A hotel double charged me on my stay. Then they reversed one charge. I can see on the statement, the euro amount is the same. But when changed to sgd, it was a shortfall of $50.

I called in to complain. HSBC said, they can waive the 1.5%. But 2.5% is by Visa. I have to LL pay the shortfall.

Then I request to speak to the manager. They said will call me back. But two weeks over. No sound.

Haiz. Have to stop driving for one week to save $50.

 

HSBC bank. Shitty bank.

Ahh hsbc, also ever bad experience with them but bopian still stick with hsbc for gv ticket haha

  On 6/28/2017 at 11:41 PM, Roadrunner2029 said:

Why stop driving for one week will save $50? COE burning at $15/day even park at home.

Somemore got 2 car le haha

[Arogab]

  On 6/28/2017 at 10:12 PM, Ben5266 said:

Wah! Got Amex. Signed a few k bill.

Still not rich?

 

Btw, I kena con by HSBC card.

A hotel double charged me on my stay. Then they reversed one charge. I can see on the statement, the euro amount is the same. But when changed to sgd, it was a shortfall of $50.

I called in to complain. HSBC said, they can waive the 1.5%. But 2.5% is by Visa. I have to LL pay the shortfall.

Then I request to speak to the manager. They said will call me back. But two weeks over. No sound.

Haiz. Have to stop driving for one week to save $50.

 

HSBC bank. Shitty bank.

 

Bro, Charge in SGD then will not have this issue liao. I also ken double charge in Korea and another one donno what they charge only $3.......I dispute and told I not paying. Finally they waive it.