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Thread: CREDIT CARDS vs CASH

  1. #11
    Senior Member Arubalisa's Avatar
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    Imo believe the confusion on this issue is due to the difference between an Aruban establishment putting a charge through to your credit card company in florins.

    paying with credit card, travelers checks, or what?
    Quote Originally Posted by Sgroi135 View Post
    I just was on the phone with AMEX. I asked about the foreign transaction fee. She told me that if the location charges in US dollars then there is no fee. So if you are using a hotel that has a US location, you may be able to get around that fee. I know that the Radisson is based in Florida and when my charges went through for my last trip, it had Florida on the paperwork.

    Credit cards companies will charge a fee to convert the foreign currency to US currency.

    We have stopped using our AMEX Gold and Platinum because we had been charged the 3%. It was from using the card at restaurants, sorry do not recall which ones.

    We have used AMEX at other Aruba establishments and not been charged the 3% transaction fee, but obviously the business put the charge through as US dollars and not florins.

    Credit card foreign transaction fee (updated 2/26/2010)

    I hate to see visitors to Aruba receive an unpleasant surprise with charges they were not aware of, upon arriving home to their credit card bill.

    Last edited by Arubalisa; 10-19-2010 at 04:31 PM.

  2. #12
    Junior Member mcaleer1's Avatar
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    Thanks for all this input...Is there any benefit to going to a local bank in Aruba and converting USD into Florins as carry-around-cash?

    ...and Arubalisa...Capital One owes you a finder's fee!!!

  3. #13
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    Thumbs up

    >>>> "converting USD into Florins as carry-around-cash?"
    ----- I don't think so. Most of the places have prices posted in US$$. At resorts you will only see US$$. Bus and cab fares/rates are in US$$ and casino bets are in US$$. Even the bingo games at casinos are in US$$. And at those more Arubans are playing than Americans, at least at the Alhambra.
    Now fast food, markets, gas stations will not have US$$ prices posted but they will convert and take US$$. At local places you may save a few cents but am sure the bank charge to convert will cost. I always bring a lot of small bills and silver coins as places like donut and bagel places do not always have the correct change in US$$. Every thing is rounded to the nearest 0.05 cents so pennies not used.
    Last edited by TomFrederick; 10-20-2010 at 09:44 AM.

  4. #14
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    One thing about paying cash is you can control your expenses because with credit cards, you tend to get more than you need.

  5. #15
    Aruba since 1979
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    Andrea J.'s Avatar
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    my husband WOULD most definitely agree with you.
    i suppose i do too.........

    Quote Originally Posted by vince View Post
    One thing about paying cash is you can control your expenses because with credit cards, you tend to get more than you need.

  6. #16
    Senior Member Arubalisa's Avatar
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    Quote Originally Posted by vince View Post
    One thing about paying cash is you can control your expenses because with credit cards, you tend to get more than you need.
    We save our receipts and keep track of what we spend.

  7. #17
    Senior Member jeffnev's Avatar
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    I save the receipts and then I try to forget what we spent

  8. #18
    Senior Member Arubalisa's Avatar
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    Quote Originally Posted by jeffnev View Post
    I save the receipts and then I try to forget what we spent
    I let dh do the addition and never ask how much we spent
    I figure if I spend too much he will say, "stop".

  9. #19
    Senior Member Windy's Avatar
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    Quote Originally Posted by Arubalisa View Post
    I let dh do the addition and never ask how much we spent
    I figure if I spend too much he will say, "stop".
    I save the receipts but don't share the total with dh!

  10. #20
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    You guys are hilarious but seriously we tend to spend more in restaurants or malls if we have credit cards because we know even if we ordered moer than usual, we have our plastics to take care of it.

    In malls, if you see a nice pair of bikinis or a good pair of board shorts then you buy it even though you got one too many already.

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