Rare oskidunker Posted September 2, 2022 #1 Share Posted September 2, 2022 Just inquiring so ai know which credit card to use. Have some good cash back cards but all have transaction fees. Link to comment Share on other sites More sharing options...
Cliff-FLL Posted September 2, 2022 #2 Share Posted September 2, 2022 1 minute ago, oskidunker said: Just inquiring so ai know which credit card to use. Have some good cash back cards but all have transaction fees. All on-board transactions are in US dollars, regardless of the ship's location, so foreign transaction fees wouldn't apply. 1 Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 2, 2022 #3 Share Posted September 2, 2022 Find a card with NO FTF in case you need to use it outside of the USA Link to comment Share on other sites More sharing options...
Rare oskidunker Posted September 2, 2022 Author #4 Share Posted September 2, 2022 20 minutes ago, LHT28 said: Find a card with NO FTF in case you need to use it outside of the USA I have several but I use the cash back cards usually. Will use my Chade aunited card. No fees. Link to comment Share on other sites More sharing options...
Guest ldtr Posted September 2, 2022 #5 Share Posted September 2, 2022 (edited) 1 hour ago, Cliff-FLL said: All on-board transactions are in US dollars, regardless of the ship's location, so foreign transaction fees wouldn't apply. Unless you are from a country other than the US Edited September 2, 2022 by ldtr Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 2, 2022 #6 Share Posted September 2, 2022 1 hour ago, ldtr said: Unless you are from a country other than the US it is still billed in USD If you CC charges a FTF that is the CC company Link to comment Share on other sites More sharing options...
Rare Host Jazzbeau Posted September 3, 2022 #7 Share Posted September 3, 2022 Oceania used to process credit cards through a foreign bank. Even though the fees were billed in US dollars, the banks charged an interchange fee that resembled an FTF. Don't know if they still do this. Link to comment Share on other sites More sharing options...
Jancruz Posted September 3, 2022 #8 Share Posted September 3, 2022 19 minutes ago, Host Jazzbeau said: Oceania used to process credit cards through a foreign bank. Even though the fees were billed in US dollars, the banks charged an interchange fee that resembled an FTF. Don't know if they still do this. No Jancruz1 3 1 Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 3, 2022 #9 Share Posted September 3, 2022 10 hours ago, Host Jazzbeau said: Oceania used to process credit cards through a foreign bank. Even though the fees were billed in US dollars, the banks charged an interchange fee that resembled an FTF. Don't know if they still do this. I am sure if they do there would be the same uproar here as when they did years ago 😉 1 Link to comment Share on other sites More sharing options...
Cliff-FLL Posted September 3, 2022 #10 Share Posted September 3, 2022 19 hours ago, ldtr said: Unless you are from a country other than the US The OP indicated that he's in San Bruno, CA, so I made the reasonably-safe assumption that his credit cards were using US dollars. Link to comment Share on other sites More sharing options...
Guest ldtr Posted September 3, 2022 #11 Share Posted September 3, 2022 4 minutes ago, Cliff-FLL said: The OP indicated that he's in San Bruno, CA, so I made the reasonably-safe assumption that his credit cards were using US dollars. He is but others also read the posts. Link to comment Share on other sites More sharing options...
zalusky Posted September 3, 2022 #12 Share Posted September 3, 2022 Lots of FTF cards: Chase Sapphire, Chase Amazon, Costco Citi. I will probably use the Costco Citi since I will get 3% cash back in February. Link to comment Share on other sites More sharing options...
Rare Host Jazzbeau Posted September 4, 2022 #13 Share Posted September 4, 2022 5 hours ago, zalusky said: Lots of FTF cards: Chase Sapphire, Chase Amazon, Costco Citi. I will probably use the Costco Citi since I will get 3% cash back in February. That's my favorite for cruises and travel in general. You can't beat 3% cash back with no FTF. 1 Link to comment Share on other sites More sharing options...
PhD-iva Posted September 4, 2022 #14 Share Posted September 4, 2022 13 hours ago, LHT28 said: I am sure if they do there would be the same uproar here as when they did years ago 😉 I gotta tell you I was upset when US-based Emerald cruises changed me a FTF when I made my final payment earlier this year for a Danube river cruise! I don’t remember getting charged a FTF in Jan 2020 when we placed a deposit. Link to comment Share on other sites More sharing options...
Rare Host Jazzbeau Posted September 4, 2022 #15 Share Posted September 4, 2022 25 minutes ago, PhD-iva said: I gotta tell you I was upset when US-based Emerald cruises changed me a FTF when I made my final payment earlier this year for a Danube river cruise! I don’t remember getting charged a FTF in Jan 2020 when we placed a deposit. Is Costco a presence where you live [they seem to have a bunch in what I would consider 'Central Texas']? We get back the annual membership fee just on Gas savings alone. Being a member makes the credit card free, and then we get the benefits of money back on Gas, Restaurants, and Travel. Link to comment Share on other sites More sharing options...
PhD-iva Posted September 4, 2022 #16 Share Posted September 4, 2022 Just now, Host Jazzbeau said: Is Costco a presence where you live [they seem to have a bunch on what I would consider 'Central Texas']? We get back the annual membership fee just on Gas savings alone. Being a member makes the credit card free, and then we get the benefits of money back on Gas, Restaurants, and Travel. Thx but that’s gotta wait for the next husband! 😜 This one “don’t do” Costco. You gotta pick your battles! 3 Link to comment Share on other sites More sharing options...
Rare Host Jazzbeau Posted September 4, 2022 #17 Share Posted September 4, 2022 9 minutes ago, PhD-iva said: Thx but that’s gotta wait for the next husband! 😜 This one “don’t do” Costco. You gotta pick your battles! We don't shop there, much [they have good deals on nutritional supplements and a few things like that – no food items] – but at home and on road trips they always have the cheapest gas in the area [as confirmed by Gas Buddy]. And the Costco Gas Station doesn't require setting foot in the store. Tell your husband 'money talks' ! Link to comment Share on other sites More sharing options...
PhD-iva Posted September 4, 2022 #18 Share Posted September 4, 2022 15 minutes ago, Host Jazzbeau said: We don't shop there, much [they have good deals on nutritional supplements and a few things like that – no food items] – but at home and on road trips they always have the cheapest gas in the area [as confirmed by Gas Buddy]. And the Costco Gas Station doesn't require setting foot in the store. Tell your husband 'money talks' ! We get our gas at H‑E‑B, it has similar low prices. And Costco is across I-35. Its like a “moat” that divides our town, which we don’t want to cross. We don’t go there unless a trip to Loews is required….. But thx for the good suggestions…. Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 4, 2022 #19 Share Posted September 4, 2022 10 hours ago, PhD-iva said: I gotta tell you I was upset when US-based Emerald cruises changed me a FTF when I made my final payment earlier this year for a Danube river cruise! I don’t remember getting charged a FTF in Jan 2020 when we placed a deposit. It is your CC that charges you With Oceania that had switched to a Bank in Ireland so CC companies were processing the charges for a foreign country Maybe Emerald has an office in the USA but aren't they in Australia part of Scenic cruises group? Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 4, 2022 #20 Share Posted September 4, 2022 9 hours ago, PhD-iva said: We get our gas at H‑E‑B, it has similar low prices. Love H E B & the samples Link to comment Share on other sites More sharing options...
PhD-iva Posted September 4, 2022 #21 Share Posted September 4, 2022 (edited) 7 minutes ago, LHT28 said: It is your CC that charges you With Oceania that had switched to a Bank in Ireland so CC companies were processing the charges for a foreign country Maybe Emerald has an office in the USA but aren't they in Australia part of Scenic cruises group? I get charged a foreign transaction fee because they use a bank outside the US. They have offices in California if I recall. anyway, Scenic’s pre-cruise customer service sucks so I will never give them another dollar. Edited September 4, 2022 by PhD-iva Add Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 4, 2022 #22 Share Posted September 4, 2022 7 minutes ago, PhD-iva said: I get charged a foreign transaction fee because they use a bank outside the US. They have offices in California if I recall. anyway, Scenic’s pre-cruise customer service sucks so I will never give them another dollar. Yes hard to know where some companies will bank when they have offices in your Country When we did a Scenic cruise they have an office in Canada but we did not have any problems with the FTF at that time Link to comment Share on other sites More sharing options...
PhD-iva Posted September 4, 2022 #23 Share Posted September 4, 2022 Just now, LHT28 said: Yes hard to know where some companies will bank when they have offices in your Country When we did a Scenic cruise they have an office in Canada but we did not have any problems with the FTF at that time I was so surprised by the foreign transaction fee earlier this year, because I don’t recall being charged anything in January 2020 when I made the deposit. Link to comment Share on other sites More sharing options...
Rare LHT28 Posted September 4, 2022 #24 Share Posted September 4, 2022 1 minute ago, PhD-iva said: I was so surprised by the foreign transaction fee earlier this year, because I don’t recall being charged anything in January 2020 when I made the deposit. yes that would be annoying for sure Link to comment Share on other sites More sharing options...
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