Payment with cc on another country

[juniornj23]

So I'm planning to trave to Latin America but they don't use USA dollars when I used cc how they charge me. In Colombia pesos

[UncleB]

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@juniornj23 wrote:
So I'm planning to trave to Latin America but they don't use USA dollars when I used cc how they charge me. In Colombia pesos

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The charge will be in the local currency, then coverted to US dollars by the credit card company. 

I recommend using one of your Capital One cards or your Discover (if accepted) - they don't add the additional FOREX fee for the conversion, saving you 1%-3% on each purchase (relative to many other cards). 

Edited to add:  I'm not assuming your other cards all charge the FOREX (foreign exchange) fee, but I'm just speaking to the cards in your signature that I know don't, i.e. Capital One cards and Discover.  You might want to research the others before your trip. 

[juniornj23]

Thank you. Discover is my choice and venture one for any emergency

[UncleB]

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@juniornj23 wrote:
Thank you. Discover is my choice and venture one for any emergency

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+1

Those would be my choices as well! 

[longtimelurker]

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@UncleB wrote:

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@juniornj23 wrote:
So I'm planning to trave to Latin America but they don't use USA dollars when I used cc how they charge me. In Colombia pesos

---

The charge will be in the local currency, then coverted to US dollars by the credit card company. 

I recommend using one of your Capital One cards or your Discover (if accepted) - they don't add the additional FOREX fee for the conversion, saving you 1%-3% on each purchase (relative to many other cards). 

Edited to add:  I'm not assuming your other cards all charge the FOREX (foreign exchange) fee, but I'm just speaking to the cards in your signature that I know don't, i.e. Capital One cards and Discover.  You might want to research the others before your trip. 

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And even more importantly, if a "helpful" merchant offers to charge you in US $s ("so that you know exactly what will be charged sir/madam") , decline and insist on being billed in local currency.   So called Dynamic Currency Conversion is a big money maker for the merchant, as you get a very bad rate (and still pay Forex fees if appropriate).   If they charge you that way without asking, complain and insist on local currency charging

[juniornj23]

Thank ypu