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Old 06-23-2013, 03:43 PM   #11611
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I've heard the Capital One card has great perks. Do they rebate the out-of-country ATM fees? Charles Schwab debit card does, it's one of the few that does that world-wide.
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Old 06-23-2013, 03:59 PM   #11612
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Originally Posted by Dawgluver View Post
I've heard the Capital One card has great perks. Do they rebate the out-of-country ATM fees? Charles Schwab debit card does, it's one of the few that does that world-wide.
Our debit cards are with a credit union and they refund ATM fees in the US. I've never used a debit card outside the country. The Capital One cards are credit cards. We use them in Aruba and Canada. They do not charge a currency conversion fee. Many credit cards do.

I wouldn't use a credit card for cash, as cash advance fees are steep. When we travel, we use the credit card as much as possible. Restaurants, groceries, rental car, jewelry and souvenirs in established stores. Cash is for casinos and little vendor stalls where cash is the only option. That way we have a record of everything and accumulate even more points on the vacation paid for by points.

That leaves us with all that unused cash in the bank to pay off the CC balance so we don't have to pay interest.
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Old 06-23-2013, 04:10 PM   #11613
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Our debit cards are with a credit union and they refund ATM fees in the US. I've never used a debit card outside the country. The Capital One cards are credit cards. We use them in Aruba and Canada. They do not charge a currency conversion fee. Many credit cards do.

I wouldn't use a credit card for cash, as cash advance fees are steep. When we travel, we use the credit card as much as possible. Restaurants, groceries, rental car, jewelry and souvenirs in established stores. Cash is for casinos and little vendor stalls where cash is the only option. That way we have a record of everything and accumulate even more points on the vacation paid for by points.

That leaves us with all that unused cash in the bank to pay off the CC balance so we don't have to pay interest.
That's why I like Schwab debit. No fees to get cash from the ATM machines in Mexico, or anywhere else, and they refund the currency conversion. Using a CC to get cash from an ATM is ridiculously expensive.

We got 3 free trips to Hawaii with our Marriott points, including airfare and hotels, though it was a royal pain to book them. That was in the pre-internet days.
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Old 06-23-2013, 04:35 PM   #11614
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I was just drooling over these
Mouthwatering steaks with an unusual twist
If I weren't already full this would have made me hungry.
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Old 06-23-2013, 04:56 PM   #11615
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Can I add a few things to the list?

PF, do you have the Costco Amex card? The perks look great. I usually write a check there, as they don't take Visa.
Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada. :(
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Old 06-23-2013, 05:18 PM   #11616
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Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada. :(
Thanks Bunny! I think I'll do it. We always pay off our balance each month too. Auto-pay is a marvelous thing!
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Old 06-23-2013, 05:34 PM   #11617
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I have a credit union debit card and a Capital One cc. My credit union covers my first ten cash withdrawals at a foreign atm. And I get cash back on my Cap. One cc. When it reaches $25 I have it applied to the balance. I can't remember the last time I withdrew cash from an atm. I usually get cash back when I use the debit card to pay for a purchase. I still have the ten dollar bill that I got back April 4th when I went grocery shopping. Along with the ten dollar bill for May and June. Spike runs all my errands for me, so I don't know why I keep getting cash back. I guess mostly to buy coffee when I go for a medical appointment. There will be no cash back in July when I go grocery shopping.

I also have a Sears and JCPenney charge card. I never use them. Every five years I get a notice from Sears that if I fail to use my card in the next 30 days they will close my account. So Spike and I put our heads together to think of something he wants for himself or Teddy and I order it. Then he or I pay it off when the bill comes in. I bought him his Soda Stream the last time. I use my JCP card to order special clothing items for a special event. That too gets paid off when the bill comes in. I think the next purchase I make with my Sears card will be a new iron. I have a Euro Pro with a separate water tank. It has become just too heavy for me to lift anymore. So a simple iron will do now. The Euro Pro will go to The Pirate when he gets his new apartment.

On a fixed income, I really have to pick and choose wisely how I use my credit.
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Old 06-23-2013, 05:40 PM   #11618
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Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada. :(
What, no...I got back hours ago and posted my answer...
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Old 06-23-2013, 05:42 PM   #11619
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What, no...I got back hours ago and posted my answer...
Yes, I saw it! Thanks PF!

How the heck did you not spend longer at Costco? You were like, in and out. Must be because ours is 45 minutes away, we spend hours.
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Old 06-23-2013, 06:22 PM   #11620
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okay kids, still chuckling over this afternoons adventure....went to a free greatest hits of opera arias, started out with 1700's arias, then for something completely different switched to a 1900 aria...didn't really get what was completely different LOL...really beautiful voices but not my genre

going to a free folk concert tonight at a bar, thinking this will be more my style
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