레이블이 Banks That Do Currency Exchange인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Banks That Do Currency Exchange인 게시물을 표시합니다. 모든 게시물 표시

2013년 12월 2일 월요일

About 'banks that exchange foreign currency'|Foreign Currency Rates Play an Important Part in Foreign Exchange Market







About 'banks that exchange foreign currency'|Foreign Currency Rates Play an Important Part in Foreign Exchange Market








Banks               and               credit               card               companies               are               wonderfully               inventive               in               thinking               up               new               ways               to               charge               you               to               use               your               own               money.

One               of               the               classic               and               most               annoying               of               these               is               the               currency               conversion               or               foreign               transaction               fee.

This               is               a               fee               charged               for               simply               using               your               credit               or               debit               card               in               a               foreign               country,               and               can               be               in               addition               to               the               exchange               rate               .

I               hate               the               fees               and               think               they               are               unfair,               and               upon               return               from               a               recent               cruise               to               Mexico               we               were               quite               surprised               to               see               all               the               fees               adding               up               on               our               monthly               credit               card               statement.

Citibank               charged               us               several               dollars               just               to               use               our               card,               each               time.
               I               was               glad               to               read               in               the               New               York               Times               that               Citibank               and               American               Express               will               begin               to               waive               certain               foreign               transaction               fees,               after               Chase               did               the               same.

These               three               companies               control               many               more               branded               cards               from               airlines               and               other               providers,               so               the               impact               is               big.
               Smart               travelers               know,               if               you               travel               abroad,               you               can               simply               use               your               credit               card               for               a               transaction               and               receive               the               benefit               of               the               bank's               currency               conversion               rate               when               the               transaction               is               processed.

But               just               because               they               can,               they               add               an               additional               fee               amount               or               percentage               to               each               transaction.

Also,               the               best               way               to               get               local               currency,               and               pay               the               lowest               exchange               rate,               is               also               to               use               your               ATM               card               in               a               local               ATM               to               withdraw               local               currency               from               your               US               bank               account               or               credit               card               account.

The               foreign               currency               and               foreign               exchange               fee               can               negate               the               exchange               rate               savings               and               just               add               to               confusion,               so               I               am               glad               to               see               them               start               to               disappear.
               While               we're               on               the               subject               of               traveling               abroad               and               using               your               credit               or               debit               cards,               here               are               a               few               key               tips               we've               learned               to               prevent               problems.
               Call               your               issuer               in               advance               
               Card               companies               have               rigorous               security               procedures               and               may               decline               sudden               charges               from               a               foreign               country.

Simply               contact               customer               service               before               your               trip               and               let               them               know               of               your               plans.
               Change               your               PIN               to               numbers               only               
               Some               foreign               ATM               machines               have               only               numeric               key               pads               and               it               can               be               almost               impossible               to               translate               a               PIN               code               that               includes               letters.

Also               do               you               know               the               PIN               for               your               credit               cards?

This               can               allow               you               to               access               funds,               even               in               an               emergency               or               if               other               cards               don't               work.

Check               with               your               issuer               to               confirm               or               obtain               a               PIN.
               Check               about               chip-PIN               cards               
               Many               countries               now               use               debit               and               credit               cards               with               a               chip               embedded               as               an               extra               layer               of               security.

Check               with               your               card               issuer               to               see               if               they               offer               such               cards               for               international               travelers.

Check               with               your               hotel               or               other               local               sources               to               see               if               chip-PIN               cards               are               necessary               for               that               area.
               Ron               Lieber               "More               Cards               Waive               Foreign               Exchange               Fees"               The               New               York               Times               via               nytimes.com
               More               from               this               contributor:               
               Basic               Tax               Tips               For               Independent               Contractors               and               Freelance               Workers               
               What               Does               A               Cheap               Euro               Mean               For               The               Rest               of               The               World               
               How               To               Choose               The               Best               Mobile               Phone






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