Showing posts with label Visa. Show all posts
Showing posts with label Visa. Show all posts

Friday, June 14, 2013

No Visa for Hungary?

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American Express tells us not to leave home without out, but in Hungary, it is essentially a wallet stuffer. Other than higher class hotel and some expensive restaurants, the likelihood of getting to whip it out is close to nil. The only use for a Diners Club card without the MasterCard logo is for admission to the Diners Club lounge at the airport. Diners Club outside of the US is only a Diners Club card.

As the financial road narrows, it is causing more obstacles still. VISA is feeling Hungary troubles. According to Portfolio.hu, VISA is struggling along.  They claim that “Visa Europe has been constantly losing ground in Hungary every year; the number of Visa cards in circulation dropped by more than one million over the past three years. The company has found itself in an exceptionally difficult position on the Hungarian card market due to an agreement sealed with the European Commission earlier.”

The article does not make it clear how Hungary is different from the rest of the EU in regard to these regulations. However, the interview is with Mark Antipof, Managing Director Growth & Emerging Markets at Visa Europe. Mr. Antipof was asked if VISA could reasonably leave the Hungarian market? To this he responded

“We are unable to compete effectively and are losing market share as a result of factors which are not related to our performance, neither over which we have control. We thoroughly explained the issues we face in this regard to the ministry and related authorities, including the implications if nothing changed regarding Visa Europe's position.

In practice, the Hungarian banking card market is becoming monopolistic. We believe if the situation remains as it is, the lack of competition will be harmful for all parties in the banking card sector: banks, merchants and consumers. Competition on level-playing field is beneficial for the players and will also help the introduction of various payment innovations, such as contactless, e-commerce and mobile payment.”

My gosh, if you visit Hungary without a MasterCard, what will you do? Traveler’s checks are no longer used here. How will tourists survive? They actually have to figure out the zeros on Hungarian bills and use forints as a last resort. It figures, as of June 1st, Visa stopped charging the international exchange fees for purchases made in currencies other than the US dollar.

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Saturday, December 15, 2012

We Aren't Alone in Leaving

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Well we are not alone in leaving the country, although we are leaving for an Ecuadoran vacation. Visa the credit card company is threatening to leave permanently. It seems there is a banking issue that is not making them competitive. They want to collect their marbles and go home. 

Can you imagine the impact on businesses and tourism if an entire credit card company leaves the country? That would leave MasterCard as the sole beneficiary of reaping credit card debtors.

This was in the Hungarian news portal Portfolio.hu:
"Visa Europe’s spokesperson told Portfolio.hu on Thursday that there is a serious market distortion in Hungary’s bank card sector, which is causing grave problems for both the market and the consumers. The lower interchange fee applied by Visa (0.2%) led to a dramatic decline in Visa’s market share over the past few years (because this way co-operation with the bank card company is less advantageous for commercial banks)."

The entire article is here.

While we are gone, our apartment has been rented out to some lovely people. I will be blogging our trip as I get Internet access.
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Wednesday, November 03, 2010

Wasted Time Never to Receive Again

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I like the fact that credit card companies are being stringent with their security, but it can get so aggravating when they block my card every other month. In the last six weeks, I have had to call MasterCard, Visa, and American Express. The strangest thing with some of the cards is that I did not even use them, but no one else tried to either. 


"Hey, let's play around and block this guy's card for the fun of it. He have been a member for twenty-one years, but we work here and cannot get credit."


Tonight, it was a call to Chase Visa. This was prompted by a message from Bank of America stating they could no longer access my account; hence, they would not make automatic payments until I fixed the problem. I tried logging on the Chase website; "Sorry, we cannot find your account." Well you certainly can find it when I send you money. After four attempts, I gave up and called. They answered right away with NO phone tree to go through. I spoke immediately with a live person. 


When she heard the problem, it meant being transferred to the technical issues department. Oh, boy! Surprise, the call was answered immediately. BUT wait, we cannot help you, because your card has been blocked for fraud. Transfer over to security. 


Security answers just as quickly. I go through the problem yet again. She said to me "I cannot access your account." I said neither could I which is why I am calling you. If you can't access it, who do we call?


Then she is muttering that her computer is stuck, but what she verbalizes is "I can't move! I can't move! Nothing is moving." I wanted to ask if she wanted me to call 911 in her area code, but I was certain she meant the computer. 


Finally, it was fixed, but it will take 5 business days to be able to troll around the account online, though I can use the card immediately. 


Tomorrow night will be my 4th call to Bank of America about a savings account that was supposed to be transferred over a month ago. Each time the rep tells me the last one did not do it correctly. 


All wasted time that will never be retrievable.

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Sunday, December 27, 2009

Money Woes Is Me

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Thunderstorms this morning, making the air feel like we are swimming around the room. Humidity does not begin to describe it with the oppressive heat. Last night, we left the screened windows open for air; the ceiling fan was working overtime too. When I peeled myself from the sheets, it was obvious it had rained in. Luckily, my computer and camera were on the shelf under the closed window.




By the time, we made our way down our 2 flights of stairs, across the hotel and then 4 flights of stairs to the breakfast room, artificial resuscitation would have been welcomed. These stairs are not really stairs, they are like climbing Mount Kilimanjaro. Each one takes a contortionist movement of the legs to reach the next step. A Slinky going down them would give up in disgust and refuse to go further than 2 steps out of fear of heights. Though, the staff run up and down them like they were nothing, but the staff is mostly under 25 years old too. 

Armed with umbrellas that we never needed, we went to explore the city. A walking tour is offered, but we did not make it in time to book it, so we hoofed it on our own starting at the seaside and working our way through the maze of streets. With the electric problems, customers need to shop and plan out where to eat early in the day or there may not be as many options past 4pm. Sunset is at 6:15pm every day and by 6:45pm, it is dark. We were told this is because of the proximity to the equator. It was the same in Kenya, too. If you are looking for a glorious sunset, don't sneeze or you will miss out. 

One of the shops we came across has a number of batiked items, jewelry and hand woven scarves. Many of the products support the Masai Women's Collective to aid them in being financially independent. One of the things that attracted my attention were wonderful lounging pants, one size fits all. The skinny salesman/artist showed us how they work for keeping them in place. I had the idea of getting 2 sets for each of the bedrooms and one for each of us. Guests can use them for lounging or to come to breakfast before showering and then we just launder them when they leave us. They are wonderful 'hang-around' on a lazy day type pants; my kind of clothing. We picked out other things we wanted to buy as gifts, but without cash could only promise to return. Supporting a women's collective and young artists makes me feel like my money is well spent.

Our next venture was to the market. Stall after stall, it was not much different than Cairo or Morocco, but smaller. Everyone has a bargain; everyone wants to sell you something. The items of choice are vanilla beans and saffron. Both are dirt cheap here. In CA, the supermarkets used to keep both under lock and key due to the expense and theft. Here you can buy either for $2.00 a pod for vanilla or a packet of saffron. I will stock up before we leave. At the market and everywhere else people are hawking bags of cashews, spices, or DVDs of Swahili top ten hits. Not that I am interested, but I am curious if there really is a DVD of music in the wrapped cover they offer.

We decided we had better find an ATM and get some cash. What we had was wearisomely low. When we found the bank, there was a long a block long to use the machines. Where these due to the electrical problems or just a run on the bank? I stood in line for over thirty minutes while Ron tried finding another bank. When I finally found the machines in eye sight, I saw the Visa logo only. This was a concern since our bank ATM is a MasterCard. Sure as there is a death at the end of life, the machine would not accept my card. But, it did not inform me of this right out. We played cat and mouse with false hopes before it flashed "REJECTED, cannot make this transaction". Two blocks away was a Barclays Bank, so we went there. Suspiciously, there was no line. We went in the door, it was air conditioned. We could have stayed there for longer if the "We are sorry for the inconvenience, but this machine is currently not working. Please try again later" message flashing on the screen was not so discouraging. Now fear was creeping in. Most places do not take credit cards, but even if they could, without electricity then cannot run the cards. They have not learned or don't want to bother calling it in the old-fashioned way.

Diagonally from Barclays a half block down was another bank. I went there, but no machine at all. The bank had closed down.  With cash concerns, we returned  to our room to think things out. Some of my best ideas come when I am on the computer and sure enough, I remembered while uploading some posts that our other bank card was a Visa debit card. This is not the account I wanted to draw from, but if push came to possibly having to steal to get money, we would do it. First, we returned to Barclays. It did say to check back later and this was later. Now the damn machine was not even lit up. Someone must have shut off the generator. Back to the other bank, with fingers crossed, it swallowed my card and spit out cash. Hope of shopping trips returned, not to mention eating another meal after the provided breakfast. 

Now feeling flush, we went to the Old Fort where there is an old fort, hence the name, but also a tour booking service and tourism information. We booked the Spice Tour for tomorrow. As luck would have it, three Swedish people from our hotel arranged the same tour and requested an air conditioned van or they would  not go. Thank you Swedes.

Across the street from the fort and on the waterfront is a large park that was refurbished and reopened this year. By 6pm, it was filled with food venders cooking on grills and selling their foods. One such was grilling a root type vegetable which we had never seen before.  There was a young couple eating one nearby. I took a chance they were tourists and asked about it. It is called a maniok (we are not sure of the spelling). It is similar to a potato, but a bit different taste. We tried one and it was good, especially hot off of the grill, but not as good as it could have been slathered in butter. Another foodsmith nabbed us to show us all of his offerings. He could have been named Neptune; he had every type of sea creature ready to grill as well as potatoes, sweet potatoes (African are a bit different from what we are used to), chicken or beef on a stick, falafel, and coconut bread. After his whole speech, we turned him down and went to our cafe next to the hotel.

The soup of the day was pumpkin with coconut milk. Could I resist? No! It was delicious; so good in fact, I could have forgotten about a main dish, but I had a chicken fajita, also recommendable. Tomorrow night, we may just may attempt the food on the go, in the park, for dinner.
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Friday, December 04, 2009

Giving Credit Where Credit is Due

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Sometimes ex-pat living is more complicated than need be, but this is in part due to uncooperative credit card companies who refuse to believe that Americans live abroad. I have a Mastercard that I have had for years now with an A++ credit rating. Until recently I did not use it much because it did not accumulate airline miles per se. It does accrue points for gifts and discounts on airline tickets, though.

What has prompted me to use it more is that they do not charge the seemingly ubiquitous "Currency conversion fee" that my Amex, Diners Club, and Citibank Visa does. Because I pay all credit cards in full each month, this is a great savings over those trumped up charges from other financial institutions.

This particular credit card was about to expire and they sent me an offer for custom logo on the new cards. Thinking it would be fun to have our kitchen mural on the card, I submitted the design, which was approved and the card sent out. It was sent to the address I use in New Mexico. My sister/friend at that address said it never arrived three weeks after it was due to be there. I called the company, which entailed reporting it lost or stolen. My current card number was discontinued. They were to reissue new cards with new numbers. After giving them all of my personal information to verify my identity, they sent me an e-mail stating the new card/number was being processed. 

A week later, my sister/friend called to tell me the card company called her to speak with me, but would not give her any information since she was not on the account. I called the company again and verified yet again that I did not get the new card the first go around and yes, I did request a new card a second time. 

Ten days later, the card arrived in New Mexico. The company refuses to send it to me here in Hungary even if I promise to allow them to charge me with the FedEx fees to do so. They 'cannot' send a card outside of the US. My sister/friend sent me the card FedEx and I picked it up today from the university. Although the cards did not have that sticker across the front that says you have to call in to validate them, I did so anyway just to be safe.

When I called the 24/7 number, I was told that my card was being handled by a "special agent" who would not be in until 9am EST. Of course, I wanted to check this off of my ever expanding To Do list, but there it sits since I called two hours too early. I keep telling myself it is better to be safe than sorry. "An ounce of prevention is worth a pound of cure." Ben Franklin didn't even have these problems. How perceptive he was.

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Tuesday, June 30, 2009

Public Service Announcement

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I came across this graphic called "Credit Card Hell". To see the graphic larger, go to the original site http://www.mint.com/blog/wp-content/uploads/2009/06/creditcardhell21.jpg and click on the graphic to make it readable. Thank the universe, we do not have a mortgage, car loans, or credit card debt. We only charge on cards that have to be paid in full each month, so we have to keep track of our spending. The rare times we do have to shell out big bucks, like for Ron's quarterly estimated taxes for IRS, I put it on a special AMEX card for the frequent flier miles, but then pay it off is two large installments automatically through online banking. I just happened to look at the new rules of my United Airline Visa card, I do not use any longer, but keep for emergencies. After a missed payment, the annual accrual interest rate is 85%. Is that to keep the airline flying? No, it is to keep unsuspecting people in the grips of credit card debt. For others, there is hell to pay and a hell of a time paying off credit cards.

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Wednesday, October 29, 2008

Visa Free to the US

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The citizens of seven countries, including Hungary, will no longer need visas to travel to the United States starting on November 17, U.S. Secretary of Homeland Secretary Michael Chertoff said in Prague on Monday.

The Czech Republic, Estonia, Hungary, Latvia, Lithuania, Slovakia and South Korea will be joining the U.S. visa waiver programme which currently has 27 members, mainly in Western Europe, Chertoff said.

During the initial period, travellers will need to possess a biometric passport for visa-free travel to the U.S., Chertoff added.

Although good news for Hungarians, many have shared with me that they have concerns about their countrymen abusing their status and having the no Visa rule revoked. Time will tell.

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Monday, October 20, 2008

Bush Drops Visa Restrictions for Hungarians

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Bush drops visa restrictions for Hungarians - Caboodle.hu: "US President George W. Bush on Friday announced in the Rose Garden of the White House that the US is extending visa exemption to citizens of seven more countries: Hungary, the Czech Republic, Slovakia, Estonia, Latvia, Lithuania and South Korea, provided that they have purple passports, containing biometric data that cannot be forged. Bush did not set a start date for the scheme but it is thought that by Christmas travellers from the seven said countries will no longer need US visas, and will only have to fill in an electronic questionnaire. Foreign Minister Kinga Göncz who watched the announcement at a video conference at the US embassy in Budapest in the presence of ambassador April H. Foley and Justice and Law Enforcement Minister Tibor Draskovics said the news represented 'the cutting of the final piece of the iron curtain.' Foley said since she arrived in Budapest it had been her main goal to ensure that Hungary join the visa-waiver scheme. US Homeland Security Secretary Michael Chertoff will visit Hungary on October 28, Népszabadság reported on Saturday."

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Thursday, January 03, 2008

So Long Cambodia, Hello Vietnam

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The hotel gets one credit in its favor. The wake up call was on time and it was a real person, not a recorded message. We raced through showering, went up for breakfast and was treated to some unusual sights along the riverfront. There was a large group of people doing their exercises as a group not far from the hotel. About ten minutes later, Ron spotted an elephant walking down the street. There was a man walking along side of it, but not riding it. The elephant was meandering down the street like it was the most natural thing in the world.

Every time I see Caucasians walking the streets, especially single women, I wonder if they knew what Cambodia was like, are they disappointed or overwhelmed, and then I wonder where they have been, and where they are going. The same thoughts about expectations occur to me about myself. I still have not processed it fully, but I have found it more intense than Malaysia, definitely in a positive way. There is a liveliness amongst the dirt, the chaos, the poverty that is energetic. There is no way to describe the traffic other than sheer madness. Regardless of whether it is a two or four lane road, there are no lines and seemingly no rules. Everyone drives wherever they can find room to fit between other cars, scooters, or bicycles without regard to what direction anyone else is going in. It is a combination of Italian and Egyptian driving taking the most negative of both.

Obediently, we made it to the lobby by 6:50 am only to be told, we would not leave until 7:30 am giving us time for breakfast. We had already shoveled it down, so only had to wait for our ride. We were transported in a new Toyota equipped with GPS and a steering wheel inlaid with wood. Our very young driver, a replacement for the one we were told would drive us, was competent and had the patience of Job to drive this route. It was not until the last ten minutes of the 1 ½ hour trip that the road was paved. We passed innumerable schools, so there were hundreds of children of all ages in white tops and blue pants or skirts, competing with road space with motorcycles and cars. We were praying for their safety, but they all looked like seasoned commuters trailblazing their way to their destination. There is not four turns of the wheels without hitting a pothole; in some places the entire road is dug out making it like driving through a valley before reaching street level once again.

Arriving at our destination seemed to be a mistake at first; it looked like someone’s battered car mechanic’s garage. Our driver assured us this was the correct place to be and waited for the young man there to get Vietnam forms for us. We filled out entry and exit forms and another list in triplicate. We were left sitting on benches in this dirt yard with a rundown corrugated metal building in front of us, not knowing if there was a river nearby. The driver told us before he left that the boat would arrive at 10:00 am, an hour yet to go. An hour’s sleep missed out on…

As the clock reached 10:00, other buses arrived and dropped off bedraggled travelers. In total, there were six of us and it was time to board the boat from behind this curious establishment. The luxury boat we were sold on was less than such. Carrying our luggage precariously down a gangplank of a dubious nature, we boarded a boat with two long wooden benches down each side. The crew, a family of father, wife, and son were more than pleasant and pleased to have the work. The deck we were promised to walk around was there, but the information missing was that the deck was only one foot wide, no barrier between you and the river, and a handrail at eye level. The upper deck was only accessible by maneuvering this width challenged deck as was the toilet, neither of which I had any intentions of negotiating.

With the challenges of getting to the toilet, I became obsessed with having to use it, willing myself not to have a need, but worrying about how I would get to it if I did. If I fell off of the deck, how long would it take for anyone to realize it? I used all of my mental energy trying not to concentrate on bodily functions, but when told not to think about pink elephants, they always appear.

The beautiful scenery was as valid as the deck to walk around. It was not unattractive, just repetitiously green with trees. I forgot to mention that I used to have nightly dreams about drowning while on a boat. It all started after watching the original version of the Titanic, but in my nightmares the boat is always less pretentious and similar to the one we are on. Therefore, I immediately notice there are no lifejackets and swimming to either side of the river are beyond my lung capabilities even if I had never touched tobacco in my life and only floated on my back.

Our travel companions were a mother and daughter from The Netherlands plus a Swiss couple. We are not sure of their relationship, but he had his big toe painted red on one foot and all of his toenails except the big toe painted red on the other foot. One toe had a ring on it and his left earlobe had a dime size hole in it sans an ear stretcher. My only resource for avoiding drowning and bathroom thoughts was to stretch out trying to sleep on the wood bench. Most of the others went to the ‘upper deck’. When I did snatch a snooze, I had dreams of the boat overturning, not good. The journey was 2 ½ hours before we pulled up to shore. I was hoping it was for a bathroom break and stretch, but it was Cambodian Passport Control. We filed out to show our passports; it was relatively easy. The guard looked at our Visa, pulled out our Exit card and then stamped it with so many rubber stamps; it would make the Hungarians jealous.

We were herded back on the boat, sailed for another ten minutes and docked again. This time we had to take our luggage with us for Vietnam Passport Control and Customs. The plank to reach shore was about the size of a balance beam in gym class. Being able to get over this with luggage in both hands should have qualified all of us for an Olympic gymnastics team. Once over this toothpick of a board, we had to climb rocks and eroded shoreline to get to the top. I guess if you can make it, you deserve to enter the country. This may be their endurance test for entry.

After handing over our passports to a guard who looks them over, we get waved on to a building to have them stamp, stamp, and stamp again. We all passed with flying colors, and then there was Ron. There was a problem with his Visa, but we could not understand the problem. I was told to continue on, but could see him from where I was told to go. I had to pay another $1.00 for some reason; the Visa already cost $20.00 from the Embassy.

We had all had our passports stamped, but Ron was still waiting to pass GO. Finally, he was told he could pass. The problem it turns out was that the Embassy put 2007 for his entry and exit dates, not 2008. Mine was done correctly, but we never caught it when we picked them up.

A very beautiful young Vietnamese woman shepherded us to a ‘restaurant’ where we had to wait for them to do yet something else to our passports, probably check them against wartime or CIA records. During this wait time, we were encouraged to order lunch, but I still had bowel-kidney obsession, so passed on that offer.

When it was time to re-board the boat, it was now a Vietnamese boat with a different crew. Actually, the boat was slightly nicer with eight sets of double seats with a narrow walkway down the center. Not having an upper viewing deck, they did have a back deck, but with no room for luggage, I was wedged in and holding tightly. This portion of the journey had a young woman working it. Her exact role was unclear, but she collected tickets from the passengers. Two Australians were added to our group. Their Visa did not start until January 3, but they showed up on January 2nd and were not able to cross. The tour guide took them home, gave them dinner, a place to sleep, and breakfast before returning them to the boat today.

This section of the river was narrow enough to make getting to either side easily accessible doing the doggie paddle. At last I could let go of one fear. The views were interesting to say the least. We witnessed water buffaloes being washed in the river; people fishing with huge nets, ducks caged on the water, children swimming in the mud brown water, and families out for a boat journey to who knows where. It made the last two hours of the trip captivating.

Reaching land, we were greeted by young men who wanted to be our drivers to our hotel. Their version of a tuk-tuk here is a bicycle with a wooden seat in the back. Ron and I crammed into one with our luggage, Ron hanging over the edge. Fortunately, it was not far to the hotel. We found out hotel by chance on a site called travelfish.org. It had some good reviews, so we booked it for two nights. We are at the Trung Nguyen Hotel 86 Bach Dang in Chau Doc for $15.00 a night, we have a spacious double bed room (they call these twins, but the beds are double sized), a TV with over 50 channels and free WiFi. Tile covers the floor in the room and decorative tiles adorn the bathroom. Breakfast is included. We have a balcony with two chairs and it is air conditioned. We were really lucky with this one.

After consulting the guide, we were headed out of the hotel for dinner. Our tuk-tuk driver was waiting for us and wanted to ‘drive’ us. Since it was only two blocks away, we declined. He promised to find us again. We went to a local restaurant that was empty on our arrival, but had a waiting group of people when we left. The food was tasty and plentiful, while the cost was cheap. However, the friends who had lived here told us we should bring plenty of American singles with us to pay for things since they are regarded higher than the Vietnamese currency, the Dong. When we asked at the hotel if it was true, we were told that hotels you can pay in dollars, but restaurants and markets you have to use Dong. Gosh dang it or gosh Dong it, we purposefully took out extra dollars from the ATM in Cambodia to have US dollars. Their ATMs only spit out dollars if you don’t have a local account. If we had known, we would have waited until we arrived here.

Being full from dinner, we did a walk around. The night market was still active at 7:30pm, although not all stalls have electricity, so they sell in the dark. The city is still active in early evening with people setting up make-shift kitchens on the street or sidewalks and plunking down nursery school sized chairs at miniature fold up tables for their patrons. The cultural differences are alarming at times, yet the resourcefulness is ingenious.

In search of a larger hotel where our chances of getting a coffee would be better, we found a restaurant/guesthouse that serves coffee. We were not there longer than five minutes when our tuk-tuk driver shows up with a fare he was dropping off at this restaurant. Losing him is like trying to shake a summer cold. He sat down with us like he had been invited. His voice and accent are as jarring as a mosquito when you are just falling asleep, yet he did hook us into a trip tomorrow. We arranged for 10:00 am.

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Monday, November 12, 2007

Good Morning, Vietnam

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How can 22 different embassy web sites be wrong, I ask you? After looking for the Vietnam embassy address, we found the same listing on all web sites, but when Ron went there, they were no where to be found. A call into the US embassy did the trick, we found the corrected address and this morning, we went to apply for our Visa for December. First we had to have pictures taken in one of the photo booths in the subway. Two photos per application please! This was a comedy of errors since the machines are obviously made in Italy. All of the signs are in Italian. Of course, we had a late start and was fumbling for change once we were at the booth. Our plan was to have two snaps and immediately change seats so we could get 2 and 2 with the same amount of money. BUT we were fooled. The flash only goes off once and you get four of the same shot. Better look pretty the first time or you are out of luck. After scrapping for more bills (recommended) and the balance in change, Ron had his chance. Off to the embassy, tiny, but orderly embassy with two women and one man working, we had our applications in and were out of there in 20 minutes time. One sheet, easy to fill out application and two photos was all it took. They keep our passport until it is completed. We can return on Monday for them. Viola!! Simple. The Visa is 9,000 Ft each. Our Visas for Cambodia and Malaysia can be obtained at the airports.

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