Where to report compromised Credit Cards / Debit Cards wire fraud by (suspected) cabin steward

[Mary229]

1 hour ago, ilikeanswers said:

 

Sorry if I wasn't clear, I did understand your point I just thought it is interesting how different the US experience is. For you there is little difference between a bad and good exchange rate but for me the gap between good and bad exchange rates is much bigger. If there aren't any bank ATMs around I won't even exchange anything below AU$100 because the exchange rates I experience usually makes the value just not worth it. 

So how much difference are you talking about between ship and ATM. I only find about a 1% difference in fees between those rates, so $10 USD for $1000.  That I consider a convenience fee.  

When I travel with my Sis she has a debit card and once I showed her the difference she quit using it.  It is not worth the time and risk involved.  

 

I know that not all cruise ships offer exchange so maybe you haven’t had that option.

[ldubs]

4 hours ago, ilikeanswers said:

 

Sorry if I wasn't clear, I did understand your point I just thought it is interesting how different the US experience is. For you there is little difference between a bad and good exchange rate but for me the gap between good and bad exchange rates is much bigger. If there aren't any bank ATMs around I won't even exchange anything below AU$100 because the exchange rates I experience usually makes the value just not worth it. 

 

 Fees added by money changing places can be very high.   

[ilikeanswers]

3 hours ago, Mary229 said:

So how much difference are you talking about between ship and ATM. I only find about a 1% difference in fees between those rates, so $10 USD for $1000.  That I consider a convenience fee.  

When I travel with my Sis she has a debit card and once I showed her the difference she quit using it.  It is not worth the time and risk involved.  

 

I know that not all cruise ships offer exchange so maybe you haven’t had that option.

 

I have to admit US$10 for US$100 does look a bit too much for me😂. I suppose it is also a matter of perspective, you see the difference as paying for something you value which I assume is a sense of security. I'm not as worried about my debit cards so to me that is money I could be spending on other things I more enjoy. As for numbers I can't remember all details but I remember some of the losses I calculated on AU$100 vs market rates  For XPF was about AU$12, PLN was the worst around AU$20 but also AUD was dropping at the time so it could have impacted and HRK was around AU$14. Without remembering the US exchange rates for my experiences it makes it hard to compare to your example but I guess it is not too bad, though it wouldn't convince me to give up a debit card😂. 

[Mary229]

3 hours ago, ilikeanswers said:

 

I have to admit US$10 for US$100 does look a bit too much for me😂. I suppose it is also a matter of perspective, you see the difference as paying for something you value which I assume is a sense of security. I'm not as worried about my debit cards so to me that is money I could be spending on other things I more enjoy. As for numbers I can't remember all details but I remember some of the losses I calculated on AU$100 vs market rates  For XPF was about AU$12, PLN was the worst around AU$20 but also AUD was dropping at the time so it could have impacted and HRK was around AU$14. Without remembering the US exchange rates for my experiences it makes it hard to compare to your example but I guess it is not too bad, though it wouldn't convince me to give up a debit card😂. 

I said $10 for $1000 .   I am not talking about the exchange rate , I am speaking about the fee for the exchange.  Exchange rates are published information based on worldwide markets, fees are ser by the provider of the service

Edited December 7, 2022 by Mary229

[ilikeanswers]

3 hours ago, Mary229 said:

I said $10 for $1000 .   I am not talking about the exchange rate , I am speaking about the fee for the exchange.  Exchange rates are published information based on worldwide markets, fees are ser by the provider of the service

 

Oh sorry I must have mixed up the zeros😳. I don't usually exchange $1000 or over so my mind went straight to $100. My debit card has no  fees whatsoever along with market rate exchange. I use an app to locate fee free ATMs which usually are bank ones or companies my card provider has a deal with so I haven't paid foreign exchange fees on my debit card transactions in many years. That is why when comparing I focus on the exchange rate and probably why I can't remember what the fees were in my examples assuming there were fees as I notice many foreign exchange businesses just bundle the fee into to the exchange rate just so they can advertise as "fee free"😬. 

[ldubs]

1 hour ago, ilikeanswers said:

 

Oh sorry I must have mixed up the zeros😳. I don't usually exchange $1000 or over so my mind went straight to $100. My debit card has no  fees whatsoever along with market rate exchange. I use an app to locate fee free ATMs which usually are bank ones or companies my card provider has a deal with so I haven't paid foreign exchange fees on my debit card transactions in many years. That is why when comparing I focus on the exchange rate and probably why I can't remember what the fees were in my examples assuming there were fees as I notice many foreign exchange businesses just bundle the fee into to the exchange rate just so they can advertise as "fee free"😬. 

 

"fee free"

 

Say that fast 5 times!  😄

[ilikeanswers]

32 minutes ago, ldubs said:

"fee free"

 

Say that fast 5 times!  😄

 

I have tried! Maybe the tongue twister is the universe's way, of telling us there is something underhand going on😜.