Not Fun Moment with the Credit Card
One of the things that any traveller thinks about before leaving for an overseas vacation…..will my credit card work in the country that I’m going to?
For us Aussies, the answer is invariably yes. Afterall, we live in an island continent and if we want to see anything of the world, we have to travel. Therefore, it is almost a given that our banks will have already worked out arrangements with any bank in the world for credit card, cash withdrawals etc for their travelling customers.
The only thing the banks require is for their customers to let them know that they are travelling so that they can update the information in their systems.
My bank has progressed this side of the transaction to the point where I no longer have to go into a branch and inform them over the counter. I can update the details via my online banking account. I had duly completed this exercise about a week beforehand.
I will admit that I had given a bit more thought about the combination of cash, credit and prepaid debit card for this trip than for any of my other vacations. Afterall, it was my first time in China. Still.....I figured that there are a lot of Australians that do travel to China every year and no one has ever complained about not having banking access. I reasoned that banking and the use of credit cards in China would be fairly standard.
In any event, what you would hear is the occasional story about credit card scam. Been there, done that. DH's card had been scammed on a previous vacay to Orlando and there was no way I wanted a repeat of having to deal with the changeover of cards again.
So I decided to carry a lot more cash than normal. I effectively carried enough cash for the daily expenses, small souvenir purchases and enough to cover all ground travel costs. I had only planned to use the credit card for larger purchases at departmental stores or at Disney. I also had prepaid for all my accommodation in China and prepaid for the SDL park tickets.
It actually works out well as China is predominantly a cash society anyway.
For the record and for security/peace of mind reasons – I did leave the bulk of the cash behind in the hotel safes as soon as I checked in. I only carried a daily allowance with me.
Anyhoo........
When we checked into the Central Hotel, they requested a hold of about 1000 Yuan (about $200 in my money). I could have left cash or they would have put a transaction hold on my credit card for the amount. Given that it was the hotel and not some fly-by-night store, I chose to use the credit card. At point of check-in, there was no issue with the hotel completing the transaction at that point.
After breakfast, we checked out of the hotel. At point of check-out, the hotel tried to reverse the transaction and it failed!
It failed on two separate machines and with 3 hotel staff trying to complete the reversal.
The message they got on the machine was that the card holder should contact their bank.
Say what????
Yes, I had a minor meltdown at that point. With my bank!!!!
With only a local data SIM, it was impossible for me to call my bank. So, I contact my DH and got him to contact the bank. As he’s not the legal lessee of the account, they wouldn’t talk to him.
That left the hotel with $200 on my credit card that they couldn’t refund to me, a queue of rather impatient people behind me with grumpy looks on their faces and time ticking down on the clock where we had to meet up with Aussie Wendy.
As there was nothing I could do about the situation and the hotel staff being as helpful as they possibly could, I had to let it go. At best, the staff told me that when I sorted it out with my bank (which was looking like it would only happen when I got home), I could send them an email and they would then sort it out.
So, we left our bags with the hotel concierge and headed out.
( Continued in Next Post)