The Childfree Life

When having it all, means not having kids
It is currently Wed Dec 11, 2019 8:47 pm

All times are UTC-07:00




Post new topic  Reply to topic  [ 593 posts ]  Go to page Previous 143 44 45 46 4760 Next
Author Message
PostPosted: Thu Jun 20, 2019 9:31 am 
Offline
Moderator
User avatar

Joined: Tue Jun 12, 2018 6:00 am
Posts: 693
Location: UK
Same in the UK, no one will touch Amex because of the merchant fees, whereas everyone will accept Visa and Mastercard.

Over here there was some regulation introduced a couple of years back forbidding the passing on of credit card charges to customers i.e. not making a separate charge for using a credit card, which some organisations did. Most notably Government ones, who would charge an extra £1.50 if you're paying by credit card.

I guess all it means really is any fee is included in the retail price, regardless of how you're paying. There are still some outlets/suppliers (very few) that will only accept debit cards. I've only really come across this when buying oil in bulk for my central heating or getting my hair cut.

I've worked for a couple of US companies that insisted that our corporate credit cards were Amex, what a stupid and pointless edict, no one accepts Amex in the UK, Ireland or most of continental Europe. We ended up having to use our own personal credit cards and claiming back on expenses, there was no point in having a corporate card at all.

_________________
Too bright to breed


Top
   
PostPosted: Thu Jun 20, 2019 4:12 pm 
Offline

Joined: Fri Aug 10, 2018 6:01 am
Posts: 96
Location: UK
The last time I went to the States (probably early 90's), we took travellers cheques. I remember having to sign every one in front of the agent and it took ages. We also used our credit card whilst there. The cards were still being placed on top of some carbon copy paper and an impression was taken with a slidey thing. I wonder if anywhere still does that?


Top
   
PostPosted: Thu Jun 20, 2019 4:59 pm 
Offline
Moderator
User avatar

Joined: Tue Jun 05, 2018 5:25 am
Posts: 1717
^^^ No to travelers' checks (I don't even think you can get those anymore), and very, very rarely I'll run across someone with the imprinters. Just a couple of years ago, I had a shoe repair done, and the repair guy used one.

_________________
"There is no bad weather, only bad clothes." - Unknown


Top
   
PostPosted: Thu Jun 20, 2019 6:04 pm 
Offline
Site Admin

Joined: Wed Jun 06, 2018 12:45 pm
Posts: 586
Travelers cheques were the worst invention ever. I had some on my trip to Italy in 2004. I had to wait until the bank was open (which was apparently never), line up and wait some more until they'd processed all the locals, and then go through the palaver of cashing them. Half a day's vacation I'll never get back. Yay for technology - rolling up to a bank machine in pretty much any country, sticking in your debit card, and getting local cash is the ticket.

The US banking system is also about ten years behind the rest of the world in banking technology. I went to the UK with a friend in 2011, when I'd had a chip and pin credit card for years. My friend had his US credit card, and it wouldn't work anywhere because it didn't have a chip (apparently he could have gotten one, but he had to go in and specifically ask for it back then). I lost count of the number of times I had to spot him, because he didn't have cash, and his card wouldn't work.

_________________
Some people meditate. Some people caffeinate and vegetate.


Top
   
PostPosted: Thu Jun 20, 2019 7:53 pm 
Offline
Moderator
User avatar

Joined: Tue Jun 05, 2018 5:25 am
Posts: 1717
^^^ Thankfully, we have those now, but even now, ours don't always work like true chip-and-PIN cards.

The last few trips to England, we had no issues at all with our cards, but we did run into a problem where one of the fuel stops in Ireland couldn't run any of our cards. That's why we always tuck away some extra cash wherever we go.

I just checked my wallet and I have €40, £80, and $200. I'm flush in three currencies!

_________________
"There is no bad weather, only bad clothes." - Unknown


Top
   
PostPosted: Thu Jun 20, 2019 10:17 pm 
Offline

Joined: Sun Jul 01, 2018 5:16 pm
Posts: 212
We just got some Canadian dollars for our trip in a couple of weeks. Shiny, colorful, plasticy with see-through windows. :) I'm sure we'll have some left, so we can add it to the stash of Pounds and NZ Dollars!!

DH just ordered a new VISA card from the United Nations Federal Credit Union. It's an actual, honest-to-goodness Chip and Pin from a US Bank (all our others are Chip and Signature). Chase cancelled my VISA card because I never used it (always used AMEX), so I needed one just in case. We'll have to see how it works.

One nice thing about Vegas - you can cash travellers checks at the Casino cage 24/7!!


Top
   
PostPosted: Fri Jun 28, 2019 5:37 pm 
Offline

Joined: Mon Jun 11, 2018 4:00 pm
Posts: 806
Location: Ontario, Canada
^^Canadian money being colourful is awesome. Americans like to make fun of it and call it “monopoly money”, but coloured money is super useful. I can glance into my wallet and see that I have a red, a green, purple, and 2 blues, and I know that means I have $90. And the polymer bills are awesome because they’re super durable, so if you find one in a puddle, it won’t be disintegrating.

My FWP for today is that I decided to do some gardening when I got home. Big mistake. I got eaten alive by mosquitoes. We’ve had a very wet, cool spring and the mosquitoes are the worst I can remember. There’s a billion of them out there. I’ve also already been bitten by a horsefly this year - those bites freaking hurt! They take a chunk out of you.


Top
   
PostPosted: Fri Jun 28, 2019 7:10 pm 
Offline
Site Admin

Joined: Wed Jun 06, 2018 12:45 pm
Posts: 586
Quote:
DH just ordered a new VISA card from the United Nations Federal Credit Union. It's an actual, honest-to-goodness Chip and Pin from a US Bank (all our others are Chip and Signature). Chase cancelled my VISA card because I never used it (always used AMEX), so I needed one just in case. We'll have to see how it works.
You'll be happy to have the VISA. There's lots of places in Canada don't take Amex.

We had biblical rain here last night, and our gym got flooded. They thought they could just clean it up and be back in business after the long weekend, but the sewer backed up and because of that, the building has to be remediated. Luckily the coaches arranged with another place for us to use their gym for the time being, which is cool, and it may yet work out well for them. They only have a few months left on their lease and were going to move anyway, as the gym is way too small for the number of members. So if the repairs are major they may just break the lease early and move.

The close on our company sale went through today. So now I spend all weekend working on moving data in our ERP system over to the new company. Then on Tuesday everyone will be back at work, and we'll find out what broke. Good times.

_________________
Some people meditate. Some people caffeinate and vegetate.


Top
   
PostPosted: Sat Jun 29, 2019 9:14 am 
Offline

Joined: Sun Jul 01, 2018 5:16 pm
Posts: 212
Well, the VISA has been approved, but we have no clue if it will show up before next Thursday, when we fly out.... so we'll have to rely on Amex and a Mastercard. Thankfully, we really haven't had much of an issue with AMEX when we've travelled overseas before, especially as it's both our Primary credit card (Blue) and our emergency card (Gold).

So this year, DH and I were actually due to get a refund from the IRS. Happens very rarely, but it was a nice surprise (his pay has been somewhat erratic, so we weren't sure how we'd be). We still haven't had the refund check, so DH was concerned and asked our accountant (who files for us and for DH's business) to contact the IRS and find out what was going on - had they sent the check and it got stolen??. . Turns out the IRS had put the refund on hold because there was a discrepancy between what our return said we should get back and what their system said we should get back - they thought we should get a much bigger refund. After the accountants asked, some investigating was done and... the IRS had credited SOMEONE ELSE'S CHECK TO OUR "ACCOUNT"! Out there, some poor b*stard has had a tax payment go missing and is out of pocket. It should also be noted that, at no point did the IRS contact us or the accountants to tell us there was a problem... :shock: So, now the check should be here in the next 4-6 weeks...


Top
   
PostPosted: Sat Jun 29, 2019 11:22 am 
Offline
Moderator
User avatar

Joined: Tue Jun 05, 2018 5:25 am
Posts: 1717
We've had so much rain (more than a foot over our norm) that all my herbs are washed out and pale yellow.

_________________
"There is no bad weather, only bad clothes." - Unknown


Top
   
Display posts from previous:  Sort by  
Post new topic  Reply to topic  [ 593 posts ]  Go to page Previous 143 44 45 46 4760 Next

All times are UTC-07:00


Who is online

Users browsing this forum: Bing [Bot] and 4 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
Powered by phpBB® Forum Software © phpBB Limited