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Jan 2, 17, 9:14 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

Last time I went to Japan was October and AMEX...

Last time I went to Japan was October and AMEX gave me the same pending rate as MC did.

However, the AMEX one took two weeks to post, and the MC one took four weeks to post...

At that time USD...
Dec 25, 16, 7:06 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

I had the opposite experience in Japan, both...

I had the opposite experience in Japan, both before and after Amex switched currency conversion provider.

I can dig some more data for you, and I've been comparing it to my Citi Prestige and...
Dec 6, 16, 8:47 am
Replies: 499
Views: 94,682
Posted By zyxlsy

As I said before, I think Schwab uses FX rate to...

As I said before, I think Schwab uses FX rate to calculate the amount that is more than the nearest reasonable amount, like 20, 50, 100, etc. The amount is calculated, not directly read from an...
Oct 25, 16, 8:22 pm
Replies: 2,718
Views: 436,917
Posted By zyxlsy

It's done on a monthly basis. The refund is...

It's done on a monthly basis. The refund is roughly calculated, so you may lose a few cents or gain a few. It's because they have to deduce from the total amount how much fee you are charged, using...
Oct 23, 16, 12:10 pm
Replies: 27
Views: 9,108
Posted By zyxlsy

I think unfriendly is true for all big cities....

I think unfriendly is true for all big cities. NYC, LA, Chicago, you name it.
Oct 19, 16, 8:43 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

The results are here finally. Don't know why the...

The results are here finally. Don't know why the transaction on Barclay can take two weeks to post. We all know JPY is declining, so maybe Barclay wanna save me some USD???

Because of the big gap...
Oct 19, 16, 8:35 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

You can't in the app or on the website. The only...

You can't in the app or on the website. The only way is to have the notification on, either through the app or ApplePay. Can't say about Android because I only use iPhone.

If you delete the...
Oct 2, 16, 7:29 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Remember Amex switched conversion vendor in Aug?...

Remember Amex switched conversion vendor in Aug? I just did two transactions in Sapporo back to back on the same machine, and the pending amounts show that Amex's 101.38 is slightly better than MC's...
Sep 21, 16, 11:09 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Second to that. Visa and MC and Amex take...

Second to that.

Visa and MC and Amex take care of the FX using their own system. I haven't seen any of my 20 cards from Chase, Citi, Barclay, Amex used rates other than the ones posted on their...
Sep 14, 16, 11:09 am
Replies: 499
Views: 94,682
Posted By zyxlsy

If you use MC issued by Chase, your statement...

If you use MC issued by Chase, your statement would be my Chase MC is consistently offering lower rates than my Chase Visas...
Aug 8, 16, 3:37 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Do you think that the instances of MC and Amex...

Do you think that the instances of MC and Amex are different, are caused by weekends, and by the fact that MC and Amex use different dates (purchase vs posting) in determining rates?
Jul 9, 16, 1:51 am
Replies: 2,718
Views: 436,917
Posted By zyxlsy

+1 for the courtesy slip in HK, usually for...

+1 for the courtesy slip in HK, usually for higher-end places where they are patient enough to do this for you.
Jul 5, 16, 6:14 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Wonder why some of your MC rates are worse than...

Wonder why some of your MC rates are worse than Visa.

I had good experience with Amex for JPY/USD as well.

Don't know whether that'll continue after August 2016 when AE switch its conversion...
Jun 24, 16, 1:57 am
Replies: 2,718
Views: 436,917
Posted By zyxlsy

I can personally concur that HK is not like it...

I can personally concur that HK is not like it was 10 years ago. Back then, it was still a little like Japan, with its own sense of luxury, and a good hospitality sector.

Now, going to Tsui Hwa is...
Jun 22, 16, 8:08 pm
Replies: 2,718
Views: 436,917
Posted By zyxlsy

Good one... So this forced-DCC in Hong Kong...

Good one...

So this forced-DCC in Hong Kong is still there?

My experience a week ago is that like MTR or other eateries, they just press the HKD button for you and I don't even receive the slip...
Jun 22, 16, 9:10 am
Replies: 2,718
Views: 436,917
Posted By zyxlsy

Just went to the IFC Greyhound Café for a look....

Just went to the IFC Greyhound Café for a look. Really crowded, offers fusion food.

Why you guys always go there even though it DCCs you?
Jun 22, 16, 9:09 am
Replies: 499
Views: 94,682
Posted By zyxlsy

If the JPY was falling, 3 weeks I mean, you wanna...

If the JPY was falling, 3 weeks I mean, you wanna kill that merchant for posting that late...
Jun 21, 16, 12:05 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Visa is as good, if not better than the rest, in...

Visa is as good, if not better than the rest, in China, strangely. China is the only place I'd find that Visa does better. In all other places I've been to, Visa is terrible.

Discover (JCB) is...
Jun 20, 16, 9:09 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Dead last... Sorry Visa I'd use whatever...

Dead last... Sorry Visa

I'd use whatever gives me the most rewards in Japan. For this, it's either Amex SPG or A+. Most of the time it's A+ now.

We'll see what Amex's rates are going to be...
Jun 13, 16, 7:40 pm
Replies: 2,718
Views: 436,917
Posted By zyxlsy

Mainly department stores where the card reader is...

Mainly department stores where the card reader is stationary.

I forgot the acquirer's name but I think lots of shops at Highpoint Mall use that boxy silver machine with a blue-tone back light.
...
Jun 13, 16, 1:29 am
Replies: 2,718
Views: 436,917
Posted By zyxlsy

Several days in Melbourne Australia and I noticed...

Several days in Melbourne Australia and I noticed that there are more DCCs now than in 2014.

The machine of interest if a silver boxy one with a chip reader insert on the top and a much lowered...
Jun 13, 16, 1:22 am
Replies: 499
Views: 94,682
Posted By zyxlsy

Got some cash using my HSBC Premier MC in...

Got some cash using my HSBC Premier MC in Melbourne and for AUD200, it deducted USD144.68 from my account.

I went through the history of those dates on XE.com and the best rate to convert AUD200...
Jun 7, 16, 7:32 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

+1 for Citi Premier

+1 for Citi Premier
May 17, 16, 9:48 pm
Replies: 499
Views: 94,682
Posted By zyxlsy

The JPY part contradicts my experience of over...

The JPY part contradicts my experience of over 500 JPY transactions. For me, MC were 100% better.

Also, my VISA transactions always used the rates of the posting dates...

The only thing that is...
May 16, 16, 5:14 am
Replies: 2,718
Views: 436,917
Posted By zyxlsy

I think that's for the old days. My ICBC...

I think that's for the old days.

My ICBC Global Travel card has 10 currencies and I've been charging JPY natively in the last month when JPY/USD was terribly high (near 106). That way I can pay...
Showing results 1 to 25 of 637
 

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