Foreign transaction fees

[micvite]

Going overseas in 2 weeks and I just realized my biggest reliance has a 3% transaction fee... Im going to a country that basically accepts mastercard and mastercard and that's about it for the most part (might get lucky with a disco or amex here and there and visa has been going up lately but don't have any visa cards)

So was wondering if anyone has any suggestions other than relying on my 1200 cap1 SL and hoping I can use my discover and or amex gold to compensate... I was totally going to rely on my citi DC but found out about the 3% which isn't terrible if I'm looking at it as a 1% after cashback and I'll use it in a pinch but still. 

My nr of inquiries would suggest it's not a good idea to apply for another card and hope I get approved (25 ish). Is there any reasonable way I could convince citi to waive the fees for the month? Or having cap 1 raise the limit on my definitely bucketed qs again after just 2 months? yes i know I'm being presumptuous, but you never know! 

Thanks for any input.

Edit I'm going away for a month and will have multiple big transactions that will sometimes even exceed my total SL on cap1... for example my rental car, and I know cap1 wants to wait until things post to actually pay the bill and release my credit line.

[Horseshoez]

@micvite, how long since you opened your CapOne card?  I ask because if it has been more than 6-months, applying for a new Quicksilver card (which is virtually always a MasterCard these days) is a pretty good bet.

[jcooks]

Capital One gives you immediate access to credit as soon as you pay.  Might be a hassle, but you may have to constantly pay.  If I remember correctly, they only accept 1 payment per day so plan ahead.

[Horseshoez]

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@jcooks wrote:

Capital One gives you immediate access to credit as soon as you pay.  Might be a hassle, but you may have to constantly pay.  If I remember correctly, they only accept 1 payment per day so plan ahead.

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Not in my experience; as I've written elsewhere on this forum, CapOne has intermittently held my payments for up to 12 days.

[Anonymous]

I doubt if you could get Citi to waive the FTF, but if you succeed, that would be an important DP!  Whether Amex and Discover would be usable depends on where you are going, both country and place.   In a big city which is a popular tourist destination, Amex is more likely to be accepted for some of the big expenses, such as auto rental and hotels, leaving Cap One available for the smaller stuff.  In some places, a lot of stores won't accept cards at all, so if you are in one of those, you will also need a way to get cash.

[jcooks]

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@Horseshoez wrote:

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@jcooks wrote:

Capital One gives you immediate access to credit as soon as you pay.  Might be a hassle, but you may have to constantly pay.  If I remember correctly, they only accept 1 payment per day so plan ahead.

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Not in my experience; as I've written elsewhere on this forum, CapOne has intermittently held my payments for up to 12 days.

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Did you have an issue with a returned payment previously with CapOne?  Every time I make any payment through the app, I see automation with the "+XXX.XX" however much I just paid off get added to the available credit immediately.

[jcooks]

I just checked Capital One's website, it states that the available credit does not get released immediately.  For whatever reason, mine does though. 

[Horseshoez]

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@jcooks wrote:

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@Horseshoez wrote:

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@jcooks wrote:

Capital One gives you immediate access to credit as soon as you pay.  Might be a hassle, but you may have to constantly pay.  If I remember correctly, they only accept 1 payment per day so plan ahead.

---

Not in my experience; as I've written elsewhere on this forum, CapOne has intermittently held my payments for up to 12 days.

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Did you have an issue with a returned payment previously with CapOne?  Every time I make any payment through the app, I see automation with the "+XXX.XX" however much I just paid off get added to the available credit immediately.

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Nope, never.  In fact, when they were holding my payments I was paying the card in two or more times per month so I could use the card.  Now that I have the Quicksilver card with a much more usable line of credit, I still pay it (and all of my other cards) before the monthly due date, and this in turn means the only balance which shows up on my statements are the few charges which posted between my payment and the statement (which is typically less than $50).

[Zosimus]

HSBC. Mastercard. No foreign transaction fees.

On the downside, I've had my HSBC card for 4 years. They started me with a $1,000 SL. Still at $1,000.

[SouthJamaica]

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@micvite wrote:

Going overseas in 2 weeks and I just realized my biggest reliance has a 3% transaction fee... Im going to a country that basically accepts mastercard and mastercard and that's about it for the most part (might get lucky with a disco or amex here and there and visa has been going up lately but don't have any visa cards)

So was wondering if anyone has any suggestions other than relying on my 1200 cap1 SL and hoping I can use my discover and or amex gold to compensate... I was totally going to rely on my citi DC but found out about the 3% which isn't terrible if I'm looking at it as a 1% after cashback and I'll use it in a pinch but still. 

My nr of inquiries would suggest it's not a good idea to apply for another card and hope I get approved (25 ish). Is there any reasonable way I could convince citi to waive the fees for the month? Or having cap 1 raise the limit on my definitely bucketed qs again after just 2 months? yes i know I'm being presumptuous, but you never know! 

Thanks for any input.

Edit I'm going away for a month and will have multiple big transactions that will sometimes even exceed my total SL on cap1... for example my rental car, and I know cap1 wants to wait until things post to actually pay the bill and release my credit line.

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Citi's Premier card has no foreign transaction fee.