Fairfield, given run around on double charge
Aug 29, 2023, 7:21 am
#17
Join Date: Jun 2012
Location: MD, usually fly BWI
Posts: 28
It's not like everyone can get a credit card. I live in Denmark and I am a staying home parent. Despite I own half a house no one is giving me a credit card.
Almost all banks here charge annual fee for credit card unless you have 150000Eur deposit or a mortgage that is 2x that. On top of that you get zero cash back and 2% exchange fee on top.
That's why a lot of Danes have issues when they rent cars abroad because most people have debit cards that come with their bank account (not all banks provide them for free).
How fast they refund also depends on the bank. One bank took 30 days to refund my $ while the others took a week.
Almost all banks here charge annual fee for credit card unless you have 150000Eur deposit or a mortgage that is 2x that. On top of that you get zero cash back and 2% exchange fee on top.
That's why a lot of Danes have issues when they rent cars abroad because most people have debit cards that come with their bank account (not all banks provide them for free).
How fast they refund also depends on the bank. One bank took 30 days to refund my $ while the others took a week.
Aug 29, 2023, 8:01 am
#18
Join Date: Aug 2020
Location: Somewhere in the Mid-Atlantic
Programs: Hilton Honors Diamond
Posts: 619
As a random FYI, no such thing as an accounting department at a limited service hotel of this size. All on property accounting matters/questions will run through the GM.
Aug 30, 2023, 9:36 am
#19
FlyerTalk Evangelist
Join Date: Aug 2010
Location: CPH
Programs: UAMP S, TK M&S E (*G), Marriott LTP, IHG P, SK EBG
Posts: 11,095
Norway has some credit cards so they are better than Denmark - Denmark has NO AMEX presence (they only issue corporate cards). A Danish bank has a reputation that they don't even allow people who are not born in Denmark to open a bank account with them (I tried and they turned it down as I am a naturalized Danish citizen).
A company called Betalingsservice (BS - literally) monopolizes the whole payment system for many years. They issue Dankort (like the EC cards in Germany - basically debit card system), that was THE ONLY payment method available apart from cash 20 years ago. They also provide auto pay services and some companies force their customer to use this to pay their bills - it costs $1.5 per bill per time, and it has to be taken from your bank account so no card churning.
As of today I only know 2 fee free credit cards that give you something in Denmark. One of them only give you bonus on getting gas and the other one is 0.5% bonus on everything except a bunch of things including flight tickets.
I have a debit card from a Fintech bank from Sweden that has 0% forex fee (the only free card without forex fee in Sweden), I used that to pay for my hotel stay, and the hotel double charged me. The bank kept it hostage for 30 days before releasing the funds. We didn't think it was like that but for CAD $400 and no forex fee we thought we could save some $.