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hidden credit card commission in spain
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tuts1230
Posts: 11 Forumite
in Credit cards
took the best advice and acquired a liverpool vitoria credit card for use abroad in spain but have been ripped off twice by retailers.When I ask do you charge commission on this transaction they answer no but when the print out is presented there is a 3% commission charged and say it is my card who is applying the charge.I tried to refuse the goods and not sign but was told I had to take the goods as the transaction had gone through,not knowig where I stood I signed.Liverpool Victoria say I consented to the rate and that is all they could say but told me to contact Visa direct.How do I get round this problem in future.
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I think refusing to sign a slip can be an option, as you can dispute transaction with CC company later and retailer does not have any proof of your autorisation. However, this involves temporary loss of credit (if retailer does not cancell transaction) and some hassle after coming back to UK.
The only other option is not to use credit card abroad at all and always pay in cash withdrawn with Nationwide debit/cash card.
You are not the first with this new problem. It was discussed many times. I'll use this oppotunity to bring some of these links together:
Nationwide Credit Card Scam
credit card exchange rate in Spain
DCC- an innovative service tool to cater to your personal needs (!!)
overseas credit card
Visa exchange rate information
Wealth Warning - Visa abroad
Something interesting on nationwide.co.uk
Credit Cards Abroad
Problems Using Nationwide Credit Card Abroad
Using debit card abroad0
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