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Author Topic: Credit / Debit Cards  (Read 9467 times)

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Offline David_CA

  • Member
  • Posts: 3,246
  • Joined: March 2006
Credit / Debit Cards
« on: August 11, 2008, 08:52:52 am »
I called my bank the other day about exchanging US Dollars to Peso's.  The lady I was talking to said that she would note in my account that I was going to be in Mexico.  Otherwise, it's likely that my cards would have been disabled or locked or whatever you call it.  It might be a good idea for those going to the AMG to contact their banks about this.

David
Logged
Black Friday 03-03-2006
03-23-06 CD4 359 @27.4% VL 75,938
06-01-06 CD4 462 @24.3% VL > 100,000
08-15-06 CD4 388 @22.8% VL >  "
10-21-06 CD4 285 @21.9% VL >  "
  Atripla started 12-01-2006
01-08-07 CD4 429 @26.8% VL 1872!
05-08-07 CD4 478 @28.1% VL 740
08-03-07 CD4 509 @31.8% VL 370
11-06-07 CD4 570 @30.0% VL 140
02-21-08 CD4 648 @32.4% VL 600
05-19-08 CD4 695 @33.1% VL < 48 undetectable!
08-21-08 CD4 725 @34.5%
11-11-08 CD4 672 @39.5%
02-11-09 CD4 773 @36.8%
05-11-09 CD4 615 @36.2%
08-19-09 CD4 770 @38.5%
11-19-09 CD4 944 @33.7%
02-17-10 CD4 678 @39.9%  
06-03-10 CD4 768 @34.9%
09-21-10 CD4 685 @40.3%
01-10-11 CD4 908 @36.3%
05-23-11 CD4 846 @36.8% VL 80
02-13-12 CD4 911 @41.4% VL<20
You must be the change you want to see in the world.  Mahatma Gandhi

Offline Miss Philicia

  • Member
  • Posts: 24,793
  • celebrity poster, faker & poser
Re: Credit / Debit Cards
« Reply #1 on: August 11, 2008, 12:40:26 pm »
Good idea, thanks.
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"I’ve slept with enough men to know that I’m not gay"

Offline aztecan

  • Member
  • Posts: 5,530
  • 36 years positive, 64 years a pain in the butt
Re: Credit / Debit Cards
« Reply #2 on: August 11, 2008, 01:50:39 pm »
I did that this morning. I didn't when I went to Montreal and had a very difficult time paying for my room or getting money.

See you in Mexico City!

Logged
"May your life preach more loudly than your lips."
~ William Ellery Channing (Unitarian Minister)

Offline Lou-ah-vull

  • Member
  • Posts: 1,029
Re: Credit / Debit Cards
« Reply #3 on: August 11, 2008, 05:05:41 pm »
Great advice...just took care of this!  I would have forgotten....

Gary
Logged
Diagnosed Oct. 2005
10/05:  367 (26.2%), 24556 VL
01/06:  344 (24.6%), 86299 VL
04/06:  374 (22.0%), 87657 VL
05/06:  Began HAART 05/15/06, Combivir/Kaletra
07/06:  361 (27.8%), 1299 VL
10/06:  454 (32.4%), 55 VL
01/07:  499 (38.4%), UD
02/07:  Switched to Atripla 2/8/07
04/07:  566 (37.7%), UD
08/07:  761 (42.3%), UD
06/08:  659 (47.1%), UD
01/09:  613 (43.8%), UD
07/09:  616 (47.4%), UD
01/10:  530 (44.2%), UD
07/10:  636 (48.9%), UD
01/11:  627 (48.2%), UD
07/11:  840 (52.5%), UD
01/12:  920 (51.1%), UD
07/12:  857 (50.4%), 40
10/12:  UD
01/13:  710 (47.3%), UD
07/13:  886 (49.2%), UD
01/14:  985 (46.9%), UD
06/14:  823 (47.2%), UD
01/15: 1366 (45.2%), UD
07/15: 1134 (50.7%), UD
02/16: 1043 (55.1%), UD
08/16:  746  (55.4%), UD
08/16:  Switch from Atripla to Genvoya

Offline Curtis

  • Member
  • Posts: 44
  • Smooth seas do not make skillfull sailors
Re: Credit / Debit Cards
« Reply #4 on: August 11, 2008, 05:15:11 pm »
I did this last week too and I'm still hoping to check activity online MYSELF while we're down there. 
Logged
Probable infection: 1993
Tested poz: 10/4/1995

Much time passes.....

Worst labs in 2009: CD4 20, CD4% 3, VL 9000.
10/1/09: Ziagen, Icentress, Intelence.
11/30/09: CD4 42, CD4% 6, VL undetectable.

Hooray! :-)

Offline Lou-ah-vull

  • Member
  • Posts: 1,029
Re: Credit / Debit Cards
« Reply #5 on: August 11, 2008, 05:20:13 pm »
I will do the same. It is very important to keep track of your card.  Do not surrender it in restaurants (I do that here) but always keep it in sight.  I plan to only use it at the hotel.  Also, it is best to use debit cards only when you keep the card in your hand the whole time and at a safe ATM location (a bank...not a freestanding machine.)  The banking industry is able to detect fraud pretty quickly...but everything we can do to help can prevent problems.

Gary
Logged
Diagnosed Oct. 2005
10/05:  367 (26.2%), 24556 VL
01/06:  344 (24.6%), 86299 VL
04/06:  374 (22.0%), 87657 VL
05/06:  Began HAART 05/15/06, Combivir/Kaletra
07/06:  361 (27.8%), 1299 VL
10/06:  454 (32.4%), 55 VL
01/07:  499 (38.4%), UD
02/07:  Switched to Atripla 2/8/07
04/07:  566 (37.7%), UD
08/07:  761 (42.3%), UD
06/08:  659 (47.1%), UD
01/09:  613 (43.8%), UD
07/09:  616 (47.4%), UD
01/10:  530 (44.2%), UD
07/10:  636 (48.9%), UD
01/11:  627 (48.2%), UD
07/11:  840 (52.5%), UD
01/12:  920 (51.1%), UD
07/12:  857 (50.4%), 40
10/12:  UD
01/13:  710 (47.3%), UD
07/13:  886 (49.2%), UD
01/14:  985 (46.9%), UD
06/14:  823 (47.2%), UD
01/15: 1366 (45.2%), UD
07/15: 1134 (50.7%), UD
02/16: 1043 (55.1%), UD
08/16:  746  (55.4%), UD
08/16:  Switch from Atripla to Genvoya

Offline David_CA

  • Member
  • Posts: 3,246
  • Joined: March 2006
Re: Credit / Debit Cards
« Reply #6 on: August 11, 2008, 11:36:55 pm »
I plan on using the debit card for cash (ATM's) and credit cards for other purchases.  If I'm not mistaken, there is a 'cash advance' fee for getting cash from an ATM using a credit card.  Plus, using the credit card for most purchases will cut down on the handling of my debit card.  If there's going to be any fraud, I'd rather it be on a credit card.
Logged
Black Friday 03-03-2006
03-23-06 CD4 359 @27.4% VL 75,938
06-01-06 CD4 462 @24.3% VL > 100,000
08-15-06 CD4 388 @22.8% VL >  "
10-21-06 CD4 285 @21.9% VL >  "
  Atripla started 12-01-2006
01-08-07 CD4 429 @26.8% VL 1872!
05-08-07 CD4 478 @28.1% VL 740
08-03-07 CD4 509 @31.8% VL 370
11-06-07 CD4 570 @30.0% VL 140
02-21-08 CD4 648 @32.4% VL 600
05-19-08 CD4 695 @33.1% VL < 48 undetectable!
08-21-08 CD4 725 @34.5%
11-11-08 CD4 672 @39.5%
02-11-09 CD4 773 @36.8%
05-11-09 CD4 615 @36.2%
08-19-09 CD4 770 @38.5%
11-19-09 CD4 944 @33.7%
02-17-10 CD4 678 @39.9%  
06-03-10 CD4 768 @34.9%
09-21-10 CD4 685 @40.3%
01-10-11 CD4 908 @36.3%
05-23-11 CD4 846 @36.8% VL 80
02-13-12 CD4 911 @41.4% VL<20
You must be the change you want to see in the world.  Mahatma Gandhi

Offline Miss Philicia

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  • Posts: 24,793
  • celebrity poster, faker & poser
Re: Credit / Debit Cards
« Reply #7 on: August 11, 2008, 11:39:52 pm »
I think there's just a currency conversion fee tacked on when you use an ATM, not a huge cash advance fee.  That's how it is in Europe or when I've gone to the Caribbean.  It's not much, but yeah you should withdraw more than $20 each time.
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"I’ve slept with enough men to know that I’m not gay"

Offline Basquo

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  • Posts: 3,385
Re: Credit / Debit Cards
« Reply #8 on: August 11, 2008, 11:58:27 pm »
Quote from: philly267 on August 11, 2008, 11:39:52 pm
I think there's just a currency conversion fee tacked on when you use an ATM, not a huge cash advance fee.  That's how it is in Europe or when I've gone to the Caribbean.  It's not much, but yeah you should withdraw more than $20 each time.

What I found in Montreal was that there was an ATM fee for the local ATM, a currency enchange fee from my bank (which was miniscule) and then the non-bank ATM fee charged by my bank,which is up to $2.50 here but was $5.00 per transaction in Montreal (Wells Fargo.) I was very pleased to use ATMs in SF, where there's a Wells Fargo on every corner.
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Offline Miss Philicia

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  • Posts: 24,793
  • celebrity poster, faker & poser
Re: Credit / Debit Cards
« Reply #9 on: August 12, 2008, 12:07:15 am »
Yeah, that sounds about right -- I knew about the ATM machine fees.  You encounter that when you travel in the US and have to use a bank that isn't yours.  You just need to get used to carrying around larger bits of money, or using a credit/debit card at the point of sale.

It's really not that big of a deal.
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"I’ve slept with enough men to know that I’m not gay"

Offline minismom

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  • Posts: 2,660
  • Quocumque jeceris stabit
Re: Credit / Debit Cards
« Reply #10 on: August 12, 2008, 07:22:51 am »
I guess I'm the odd one out - we'll be traveling with cash and exchanging money as we need it.  Our debit cards are linked and we're only allowed so much money withdrawn / day.  I don't want to leave Hubby home with 5 kids unable to use his card and vise versa. 

Later today, we'll be off....See you in just over 24hours!

Mum and Mini
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