[Idyllchat] Credit card/ debit card-no fees

[Robert A Meyer]

Dick,  USAA sounds good, but can you use them if you have no military 
connection?
Bob Meyer

> I recommend USAA Federal Savings Bank, San Antonio, TX.  Actually my 
> 40-year employment career was at a bank in the town where we still 
> live in north central Illinois.  Of course I use the local bank cards, 
> but for traveling you can't beat USAA.
>
> USAA was originally formed for service personnel who had trouble 
> purchasing auto insurance and expanded into banking.  Knowing that 
> their customers were all over the world and unlikely to be able to use 
> local ATM machines they do not charge for using other bank's machines 
> and even reimburse for the fees that other banks charge.
>
> Because both MasterCard and Visa credit cards make a foreign currency 
> conversion charge (usually 2%) they have to pass that charge along to 
> their own card users.  They do not add any charge of their own.  So we 
> never use credit cards overseas--just get ATM cash and purchase 
> everything in local currency.
>
> You can reach USAA at www.usaa.com <http://www.usaa.com> or by phone 
> at 1-800-531-2265
>
> By the way, we will be back in Switzerland for the 7th time this year 
> the first two weeks of August.  It will be the 4th time we have stayed 
> in Sachseln with the Greuterts.
> We particularly enjoy being there on August 1, the Swiss national holiday.
>
> Dick Winters

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