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-   -   Any Way to Avoid Foreign Credit Card Fee? (https://www.flyertalk.com/forum/china/1404263-any-way-avoid-foreign-credit-card-fee.html)

Mavatar Nov 5, 2012 7:34 am

Any Way to Avoid Foreign Credit Card Fee?
 
A while back, I booked a on Ctrip (the flight was the same price on eLong and Travelzen so I guess I booked on Ctrip by random). At the end, there was a 3% (+/- a few basis points) charge for using a credit card issued by a bank outside of China. This will be on top of the 2.5% (or so) foreign exchange fee I'm sure my bank will charge. Do any of the other travel sites not charge this fee or is there another way of avoiding it?

jiejie Nov 5, 2012 8:15 am

Travelzen does not charge the foreign credit card fee. Elong, like Ctrip, does. For this reason, when using a foreign credit card to purchase air tickets via online transaction, travelzen tends to be my go-to company. I have had no problems with them in many past transactions over the last 3-4 years.

Jiatong Nov 5, 2012 4:19 pm

credit cards
 
Some credit cards do not charge the foreign fee, Amex plat, & Visa premier signature are the two i use. IMO, C-trip may be worthy of the 3% as they also will deliver a fapiao, (receipt) .

mnredfox Nov 9, 2012 1:11 am

Unfortunately only way I know is via Chinese CC, or check out the latest paypal options.

moondog Nov 9, 2012 10:07 am


Originally Posted by mnredfox (Post 19652162)
Unfortunately only way I know is via Chinese CC, or check out the latest paypal options.

Have you forgotten about cash, Mr. Fox? No matter where I leave it, the ctrip couriers seem to take it.

mnredfox Nov 10, 2012 2:11 am


Originally Posted by moondog (Post 19654281)
Have you forgotten about cash, Mr. Fox? No matter where I leave it, the ctrip couriers seem to take it.

I thought YOU were the king of milking CC's for free points? :p

Mavatar Nov 26, 2015 7:49 am


Originally Posted by jiejie (Post 19627074)
Travelzen does not charge the foreign credit card fee. Elong, like Ctrip, does. For this reason, when using a foreign credit card to purchase air tickets via online transaction, travelzen tends to be my go-to company. I have had no problems with them in many past transactions over the last 3-4 years.

The Travelzen website appears to be dead (or, at least, no longer offering travel to the general public?). What other websites would be usable for booking travel?

Also, are Ctrip, Elong, and (Travelzen) still the go-to sites for booking airfare and hotels these days in China?

jiejie Nov 26, 2015 12:12 pm


Originally Posted by Mavatar (Post 25774969)
The Travelzen website appears to be dead (or, at least, no longer offering travel to the general public?). What other websites would be usable for booking travel?

Also, are Ctrip, Elong, and (Travelzen) still the go-to sites for booking airfare and hotels these days in China?

Well, you revived a 3-year old thread, and yes travelzen seems to have abandoned their retail booking interface. For domestic air tickets, you can see if this site charges the foreign cc fee: http://ticket.9588.com/FlightTicket/Main_E.aspx

For hotels, you need to be aware of this ongoing thread. http://www.flyertalk.com/forum/china...15-beyond.html

These days, I personally would use elong for domestic hotels, or book directly. I would avoid ctrip due to unfavorable policies they have adopted. If you are trying to book hotels in major cities in the 4*, 5* category then using one of the international sites like expedia, booking.com, or similar could also work out for you.

889 Nov 26, 2015 3:19 pm

If you're living in China or spending enough time there, consider opening a Chinese bank accoount and getting a Chinese debit card, which you can then use for online purchases.

This is a bit easier said than done, not so much opening the account which is easy enough but getting familiar with online banking, which can seem quirky or even quirkier at first, depending on your bank. But it'll make life easier, since some domestic hotel chains, for example, only accept Chinese cards for prepayments.

vincepoy Mar 16, 2016 8:45 pm

For credit cards, HSBC, Capital One and Discover (which can be used on Diners Clubs network) don't charge a foreign exchange fee. Otherwise, just open a Charles Schwab Bank High Yield Investor Checking Account which has no fees and no minimum balance. It requires a Schwab Brokerage account which also has no fees and no minimum balance. The Platinum Visa Debit Card it comes with provides for no fees of any kinds including ATM and Foreign Transaction Fees worldwide as they will rebate/refund any fees you get charged. When you get money from the ATM, you get the best rates for currency exchange as it's based on the wholesale rate, the same rate the banks get directly and what you see on financial news and not the lower rates that includes the bank or whoever does the exchange that collects their share if it.

There are other cards as well but these are off the top of my head. For things that deal with money, check out the forums at fatwallet.com.

moondog Mar 16, 2016 9:37 pm


Originally Posted by vincepoy (Post 26343921)
For credit cards, HSBC, Capital One and Discover (which can be used on Diners Clubs network) don't charge a foreign exchange fee. Otherwise, just open a Charles Schwab Bank High Yield Investor Checking Account which has no fees and no minimum balance. It requires a Schwab Brokerage account which also has no fees and no minimum balance. The Platinum Visa Debit Card it comes with provides for no fees of any kinds including ATM and Foreign Transaction Fees worldwide as they will rebate/refund any fees you get charged. When you get money from the ATM, you get the best rates for currency exchange as it's based on the wholesale rate, the same rate the banks get directly and what you see on financial news and not the lower rates that includes the bank or whoever does the exchange that collects their share if it.

There are other cards as well but these are off the top of my head. For things that deal with money, check out the forums at fatwallet.com.

Ctrip (along with many other OTAs) charges its OWN fee, Vince, and that is the primary topic of this thread.

889 Mar 17, 2016 1:14 am

For a while, at least, ctrip or elong was waiving foreign card fees for air tickets bought through their mobile app.

And HSBC in Hong Kong certainly imposes a surcharge on overseas credit card purchases.

jiejie Mar 17, 2016 5:50 am


Originally Posted by vincepoy (Post 26343921)
For credit cards, HSBC, Capital One and Discover (which can be used on Diners Clubs network) don't charge a foreign exchange fee. Otherwise, just open a Charles Schwab Bank High Yield Investor Checking Account which has no fees and no minimum balance. It requires a Schwab Brokerage account which also has no fees and no minimum balance. The Platinum Visa Debit Card it comes with provides for no fees of any kinds including ATM and Foreign Transaction Fees worldwide as they will rebate/refund any fees you get charged. When you get money from the ATM, you get the best rates for currency exchange as it's based on the wholesale rate, the same rate the banks get directly and what you see on financial news and not the lower rates that includes the bank or whoever does the exchange that collects their share if it.

There are other cards as well but these are off the top of my head. For things that deal with money, check out the forums at fatwallet.com.

As moondog says, you are not on-track with this line of discussion on this thread. You are talking about best home-country-based vehicles for traveling. This thread is about Chinese vendors (particularly travel agents) charging their own fees when you use a foreign credit card---in addition to flat or percentage fees or surcharges, and related area of discussion is DCC (dynamic currency conversion) practiced by many Chinese vendors and/or THEIR bank acquirer.

moondog Mar 17, 2016 8:50 am


Originally Posted by 889 (Post 26344553)
For a while, at least, ctrip or elong was waiving foreign card fees for air tickets bought through their mobile app.

And HSBC in Hong Kong certainly imposes a surcharge on overseas credit card purchases.

Whether or not ctrip still refunds the cc surcharge when booking via its mobile app (I would tend to doubt it, but who knows), my advice is avoid it like the plague:
-partial (as in 1/3 on popular routes) list of flights
-extremely finicky about credit card input (e.g. my expiration date is 6/16, and the closet it can get is 8/16)
-I had it on two different phones, and I swear it made them "sick"

The Chinese app is less buggy than the English app, but still suffers from the same atrocious UI.

889 Mar 17, 2016 12:18 pm

Whichever site it was, it wasn't a case of refunding anything but simply accepting foreign cards without tacking on a fee of its own.

I do admit that I install most Chinese apps only when needed and then uninstall till needed again. I just don't trust them always whirring away in the background.


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