There’s a downside to 3 weeks in Europe? Actually, there is. Three weeks is enough to put you solidly on Europe time, and you eventually have to come home. So? I’ve been wide awake since 3am. Not just kind of awake. I mean….full on…ready to rumble, I could go run a few miles awake. Instead, I will blog about a random smattering of reflections on the longest vacation I’ve ever taken. :)

Credit Cards and Cash

Early in my trip I wrote a post about my first credit card experience in Europe. I was unable to use my Chase Sapphire Preferred card to purchase a ticket on the regional train from the airport into Rome. When I used my Chip & Signature Marriott Rewards Premier Visa, my transaction processed. I wanted to let you know that I had very few issues beyond that with my Chase Sapphire Preferred. All the shops and restaurants we visited (except one) were equipped with both chip card readers and swipe card readers. Some had separate readers for each type of card, while others had a single reader that could process both cards. When attempting to purchase train tickets in Livorno, Italy for the short trip to Pisa, we were unable to get any card to work. Thankfully, the machines accepted cash because the line to purchase tickets from an agent was excessive. On the return from Pisa, my Marriott Rewards Premier Visa worked just fine for purchasing train tickets. Moral of the story, always keep some Euros (or other local currency) with you when traveling. (Funny story (to me): met some nice people from the southwest US in a restaurant in Athens. They seemed shocked when the restaurant did not want to accept US dollars for their meal. Seriously people?!)

You May Have Trouble Using Your Credit Card Even if You Call Them First

I have to admit, this one caught me by surprise. MrsMJ intended to use her Citi Hilton HHonors Reserve Visa while we were away. It is Chip & Signature, and has no foreign transaction fees. She dutifully alerted Citibank to our travel plans before we departed, naming each country we would be visiting during our trip. Everything was fine until we arrived in Kusadasi, Turkey. We took the trip fully intending to purchase a carpet for our dining room while in Turkey. We visited the same seller we made our last purchase with, Topkapi, and found the perfect carpet. Offer the Citi Hilton HHonors Reserve Visa – “transaction declined, call bank.” Topkapi offered their phone to make the call. MrsMJ called and was placed on hold….for a LONG time. Frankly, I was getting a little hacked off that Citi would do this even if it wasn’t my dime paying for the call. When they finally did come back online, the fraud department went through the normal spiel of questions, which MrsMJ answered correctly.

Nonetheless, the final answer was that she would have to present herself in a Citibank branch with a picture ID before they would approve the purchase!!! Keep in mind, we were in Kusadasi, Turkey at the time. She handed over another card while on yet another long hold attempting to reach some kind of resolution, and the purchase was immediately approved with that card. I’m still trying to convince her not to cancel the Hilton Reserve Visa, because I think the Hilton Gold status alone is worth the annual fee. She is also on the hook for some not so insignificant foreign transaction fees because of Citi’s intransigence. Poor Citibank, they have made my wife mad. I really kind of feel for them. :)

My Fellow Countrymen

I love America. It is my country, afterall. A friend of mine, an ex-Marine, who has spent time all over the world and relishes travel to foreign locales used to have a saying, “only in America” when something funny (and good) would happen that really can only happen here. That said, I saw some behaviors exhibited by American tourists that played to the stereotypical “American tourist” picture that many have of us. Almost to a tee, we are loud. We speak loudly when others are quiet. We wear loud clothes. And then there were the nice folks we met that just assumed everyone accepts US dollars (though I admit that there are some countries where US dollars are widely accepted). Later, I witnessed one of my fellow countrymen lecturing the guest relations staffer on the ship about how the ship rocked too much during the night because we were trying to sail too fast. To each his/her own, I suppose, but I’d rather try and fit in, and try to learn a few basic phrases of the local language than just assume things will work out for me. And by the way, you’ll never hear me question the judgement of an experienced sea captain on the ship’s speed in public either….. though I guess I might feel differently if I cruised on some other cruise line that shall remain nameless. (Off soapbox)

Something else I noticed on this trip – more positive images of America. Yes, I see the contrast in these two paragraphs. What am I talking about? Upscale and locally focused retail shops were offering more clothing featuring more uniquely American images than I had noticed in the past. I saw more than one trendy looking European wearing an image of the American flag, scarves imprinted with a “stars and stripes” theme, handbags imprinted with the same, etc. Maybe it’s just me, and maybe it means nothing, but I think this is probably a good thing.

The Last Musing For Now

As much as I loved being in Europe, visiting so many fabulous places, eating great food, and drinking wonderful wines, I really am happy to be home. As my friend says, only in America! And on this American holiday, I wish you all the very happiest of Thanksgivings! I am thankful for my wife, my family, my job, the ability to travel, and for all of you who flatter me by reading this blog.

Happy Thanksgiving!

 

 

Disclosure: If you apply for and receive a credit card through the links provided in this post, I will receive a commission. As always, I appreciate your readership whether you use my links or not.

Take it for what you will. Arrived at Rome Fiumicino Airport (FCO) today aboard a Lufthansa flight from Frankfurt. Headed straight for the train station to purchase our tickets to Rome (14 Euros per person). Kiosk asks for credit card. I insert my Chase Sapphire Preferred Card, and the machine immediately asks for my PIN. Ruh roh. I entered my usual PIN (which I know is only good for cash advances, but figured I had nothing to lose), rejected twice. Cancel transaction, and try again.

This time, I insert my new Marriott Rewards Premier Card which includes “Chip and Signature” technology. Machine immediately processes transaction, and prints 2 train tickets. Mrs MJ’s Chip & Signature Hilton HHonors Reserve Visa worked just fine at an airport cafe today as well. Inserted into a card reader, not swiped. Machine spit out a receipt to be signed. I have to wonder how much longer it will be before Chase introduces chip technology for its Sapphire Preferred card product? One would think that a card marketed to people that travel would already have it.

Disclosure: If you apply for and receive a credit card through any of the links in this post, I will receive a referral bonus. As always, I appreciate your readership whether you use my links or not.

LINK: Marriott Rewards Premier Credit Card

So…I’ve carried a Marriott Rewards Premier Credit Card for a while now. It has a reasonable list of benefits that more than pay for the annual fee of the card, recently increased to $85 dollars per year. Those benefits include:

  • Enjoy up to 7 Free Nights To Start!
  • New! Smart Chip Technology and No Foreign Transaction Fees!
  • Earn 5 points for every $1 spent at Marriott® locations
  • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants
  • Earn 1 point for every $1 spent on other purchases
  • Receive 1 free night stay after account approval and each year upon account anniversary
  • Cardmembers achieve Silver Elite status with 15 nights credit toward Elite status

The biggest benefit other than elite stay credit is an annual category 1-5 certificate. That alone covers the annual fee in my book. Do note that the certificate you receive at account opening is for category 1-4 hotels. Then you receive a 1-5 certificate each account anniversary. On the other hand, the annual fee is waived for the first year, a fair enough trade in my opinion. Currently, the card is available and offering 50,000 Marriott Rewards bonus points after your first $1,000 dollars in purchases in the first 3 months from account opening. I’m placing this offer on my Credit Cards for Traveling Well page now as I consider this a good card to carry, even if you don’t exclusively use Marriott.

As I said earlier, I’ve carried the card for some time. I received an email the other day from Chase, marketing its new Marriott Cardmember homepage. I took a look at it, and noticed that the Premier Card had a new look. Mostly all black with silver lettering and numbers….and an EMV chip. I thought “what the heck?” and decided to send Chase an email. I noted that I’d seen the new marketing materials depicting a card with an EMV chip and asked if I could have my card issued with one. The next day, I received a reply advising that a new card was on its way. It arrived in yesterday’s mail and has a look and feel shockingly similar to my Chase Sapphire Preferred card, right down to the non-raised numbers, though they are on the front of the Marriott card as opposed to the back of the Sapphire card. And of course, it now includes an EMV chip.

Chip and signature, not Chip & PIN, but I guess it’s a start. Just thought I’d put it out there that if you are carrying the Chase Marriott Premier Credit Card, you can request to have a card with an EMV chip sent to you. If this has been available for a while, I did not know it. I’ll see if the card works during my upcoming European adventure, and will let you know if I have any difficulty using it. I’ll be keeping extra cash with me just in case.

Disclosure: If you apply for and receive a credit card through the links I have provided, I will receive a referral commission.

Wait…what? You heard me…. OK. All jokes aside…since I live in Washington, DC (for a little while longer), I’m not exactly traveling here. That said, I thought I would share 2 interesting experiences in the last 10 days when trying to use my EMV equipped Hilton HHonors Reserve Visa from Citi.

  • Example 1 – I attempt to buy a soda and a snack at a convenience store. Clerk swipes the card. Then swipes it again, and then again. I ask if anything is wrong. The clerk responds “I’ve never seen this before….it says “Use Chip.”" I replied that it is a chip equipped card, and asked if the reader they were using had a chip slot, which it did. Clerk inserts card into slot, machine responds as usual, and prints a receipt.
  • Example 2 – At a favorite watering hole of mine, I offer my Hilton HHonors Reserve Visa for payment. I watch the owner of the establishment swipe the card. Stare, then swipe again. He’s too far away for me to ask what’s going on. Then I see him insert the card into the establishment’s Chip equipped reader. Machine spits out a receipt for me to sign.

To my knowledge, these are the first 2 times that this has happened since I’ve been carrying the card. Is this a trend? Are the card networks now requiring you to use the “chip” feature of so equipped cards here in the USA? Have any others out there had the same experience? Just curious. Feel free to discuss in the comments section.

Disclosure: If you apply for and receive a credit card through the link in this post, I will receive a referral bonus.

LINK: Citi® Hilton HHonors™ Reserve Card

After applying for the great new Citi Hilton HHonors Reserve card on Tuesday, I was immediately approved. I assumed it would be next week sometime before the card showed up. Much to my surprise, it was delivered via UPS Friday afternoon. Interestingly enough, I had signed into my Hilton account online on my way home Friday to see if my HHonors account now reflected my Gold status that is a key benefit of the card, and it did!

Citi and Hilton really stepped up the packaging for this card as well. It’s not quite Amex Centurion worthy, but fancier than I expected, for sure.

Slick marketing for sure. That said, I think this card is backed up with some compelling benefits that make it worthy of your consideration. Those benefits include:

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember
  • No foreign transaction fees on purchases
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases

LINK: Citi® Hilton HHonors™ Reserve Card

Disclosure: If you apply for and receive a credit card through the links provided in this post, I will receive a commission. Please know I appreciate your readership whether you use my links or not.

This fall’s trip to Europe has me thinking about Chip & PIN credit cards. I may never forget running up and down the platform at the train station in Rome very late one evening trying to buy a ticket from Roma Termini to FCO with no luck because I did not have a credit card with a stupid chip in it. As it turns out, I need not have run so much because they took cash on the train, thankfully. Suffice it to say I got my exercise that night. While it turned out ok in the end, I haven’t stopped asking every credit card company I’ve done business with when they would be issuing Chip & PIN cards.

Each of my emails has been met with a response that merchants are required to accept the card I have. That might be true, but try telling that to the ticket machines on the platform at Roma Termini. :) So here’s the discussion point….. I’ve got a trip to Europe coming up, and I’ve been thinking about pocketing the Chase BA Visa just because of the chip. But that card like most US issued Chip cards at this point is “Chip & Signature.” Would I be able to buy petrol at an automated station in Tuscany with one of those? I’m not so sure. Will one of the US issued Chip & Signature cards be good enough? I’d love to hear about your experiences on this.

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