Tom=E1s =D3 h=C9ilidhe wrote:

> I'm getting the info here that the banks are reluctant to provide =

> up-front. Also I'm getting other people's own personal experience, which =

> really is invaluable.

Fair enough.  I'm just sayin'... be careful.

In the end, all I'm warning against is that it's your contract with your =

bank that counts, and no one else's, because the terms and conditions =

vary WILDLY on these things.

I understand your reasoning for asking for examples and ideas, that's =

good -- but the terms of YOUR card are likely different (depending on =

legal jurisdiction, bank that issued the card, and a number of other =

things) than anyone else who doesn't have that EXACT same card.

Relying on hearsay on a mailing list is bound to get you into trouble in =

the long-run in contractual business relationships about money.  Just be =

cautious.

Ask the bank.  Get it in writing.

Then you don't have to worry about it.  If they're "reluctant" to tell =

you the terms and conditions of their product, don't buy/use it.

Well, even then, that's no guarantee.

The issuer often puts wording in the contract that says they can change =

the terms and conditions at ANY time, INCLUDING the interest rate and/or =

fees.

In the U.S. they only have to notify you 14 days in advance to make such =

changes by law, and you have no choice but to accept the terms and =

conditions, or find another card.

Someone else also mentioned the "convenience" of having a credit card do =

the international rate conversion for you.  If you look very CAREFULLY, =

most credit card issuers convert the money at a VERY favorable rate to =

THEM and pocket the difference at the time of the transaction.

"Convenience" with money and bank services, is NEVER free.  That's =

probably the one thing to remember at all times.

Nate
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