Banks & ATMs

[cambod]

In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)

[BillyB]

In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)

Amex is normally a Charge card, not a credit card.


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[cambod]

In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)

Amex is normally a Charge card, not a credit card.


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Oops, u're right! They told me I have an unlimited credit line, but I'm sure I couldn't put a million dollar gold bar on it.... I need to cancel that one. I've been paying $125 a year for it but haven't used it in several years...

[BillyB]

Oops, u're right! They told me I have an unlimited credit line, but I'm sure I couldn't put a million dollar gold bar on it.... I need to cancel that one. I've been paying $125 a year for it but haven't used it in several years...

I cancelled mine last year.

Amex has excellent international customer service, but like you I had not used the card for years.

My regular airline started charging a premium for using my Amex card rather than my debit card online, and the last time I tried to use it in a hotel the staff asked if I would pay by Visa instead as the hotel pays less charges.

These days I wander around with bundles of currency notes tumbling out of my pockets, "Cash is King"


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[BubbaRamDas]

Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah.

[barangdave]

Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah.

Amex credit cards are quite popular in the UK. I use mine because I get cashback on all my purchases. Not much is offered in the way of other benefits though. The customer service is excellent IMHO.

[cambod]

Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah.

Amex credit cards are quite popular in the UK. I use mine because I get cashback on all my purchases. Not much is offered in the way of other benefits though. The customer service is excellent IMHO.

I used it up in the States for many reasons, but now it just isn't possible to use it on a regular basis...

[andyinasia]

I've just tried to open an account with ANZ Royal Bank twice in the last few days. First time I stormed off assuming the asswipe who dealt with me didn't know his ass from his elbow and was giving me the wrong information. Today I returned and insisted on talking to the manager.

So I'm shown their brochure and the printed information states that to open an account you need to deposit $50, and you need to keep a $50 balance to avoid incurring bank charges. Except that in both cases the $50 is lightly scribbled out in blue biro and beneath is written $500.

In other words, to open a personal account you need to deposit and keep $500 in the account. Lots of lovely free interest fro the bank, while they treat personal customers with contempt.

But here's why I'm posting: it reminded me of why I cancelled my ANZ account of 5 years last year in the first place. They had had a policy of keeping a minimum balance of $20 to benefit from free banking, and suddenly they upped the minimum to $50 WITHOUT INFORMING ANYONE. So the first customers knew of the new policy was when they suddenly found charges had been deducted from their accounts.

So my question is, have ANZ done this again? Have they increased their minimum balance from $50 to $500 this month without informing their customers? Those of you who have a personal account with ANZ had better check this PDQ before you find account drained. And when you've done that, if I were you, I'd close the account and find another bank because those conditions are absolutely outrageous.

[Year 0]

Has anybody managed to get cash out of a PP ATM with a card that has a UnionPay logo?

I recently tried at a Canadia ATM which had the logo as one of the acceptable ones, but had my transaction denied

[panavision]

Canadia still doesn't charge a fee for withdrawals using foreign cards, even if it's just an ATM card. It doesn't have to be a debit card.

[andyinasia]

Why effect, if any at all, will this have on customers?

http://www.phnompenhpost.com/index.php/ ... grade.html

Moody's Investor Service yesterday placed local currency long-term deposit and issuer ratings of two of Cambodia’s largest banks, ACLEDA Bank and Cambodian Public Bank (Campu Bank), on review for downgrade, according to a statement from the rating service.

Several other ratings at the two banks, such as foreign-currency deposit ratings, were unaffected.

Moody’s changed its outlook for Campu Bank to negative last September, the Post reported, citing exposure to a slowdown in the West.

In the same month, Moody’s changed its outlook for ACLEDA from stable to negative.

Bank of the Philippine Islands and Vietnam’s Asia Commercial Bank will also be reviewed for downgrades, according to yesterday’s statement.

Officials at both banks, and at Moody’s, could not be reached for comment late yesterday.

[cambod]

Why effect, if any at all, will this have on customers?

http://www.phnompenhpost.com/index.php/ ... grade.html

Moody's Investor Service yesterday placed local currency long-term deposit and issuer ratings of two of Cambodia’s largest banks, ACLEDA Bank and Cambodian Public Bank (Campu Bank), on review for downgrade, according to a statement from the rating service.

Several other ratings at the two banks, such as foreign-currency deposit ratings, were unaffected.

Moody’s changed its outlook for Campu Bank to negative last September, the Post reported, citing exposure to a slowdown in the West.

In the same month, Moody’s changed its outlook for ACLEDA from stable to negative.

Bank of the Philippine Islands and Vietnam’s Asia Commercial Bank will also be reviewed for downgrades, according to yesterday’s statement.

Officials at both banks, and at Moody’s, could not be reached for comment late yesterday.

Good. I feel better about having a loud cussing contest with Campu last week over replacing my atm card for free (after my second call and second visit about the matter...).

[Satan ™]

useful map of canadia bank atm machines for free foreign card withdrawals

http://www.canadiabank.com.kh/Map/PP_Map.jpg

[digiboy]

free ? as in no fees?