We just got back from a 2 month trip to East Coast and Canada.--
Beautiful and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about
$.95 US then the credit card company converts your charge to $US. As far
as this goes, it is true and I saved about $25 when the transactions were
posted. What I was not aware of was that CITI card charges a "Foreign
Transaction Fee" on every purchase. This totaled up to a charge of over
$100 US. It's my fault for not reading all the fine print but this didn't
happen 7 years ago when I was using an ATT card in Canada. I just wanted
to let you guys to be aware of this. I should have done what I did with
some of my cash on hand which was to go to a Royal Bank of Canada and have
them change $100 US to Canadian for a $3 fee so that I would have pocket
money.(btw Canadian money is pretty) that would have been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash. Don't
be a dummy like me!

transactions were posted. What I was not aware of was that CITI card
charges a "Foreign Transaction Fee" on every purchase. This totaled
up to a charge of over $100 US. It's my fault for not reading all
the fine print but this didn't happen 7 years ago when I was using
an
ATT card in Canada. I just wanted to let you guys to be aware of
this. I should have done what I did with some of my cash on hand
which was to go to a Royal Bank of Canada and have them change $100
US to Canadian for a $3 fee so that I would have pocket money

We just got back from a 2 month trip to East Coast and Canada.--
Beautiful and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about
$.95 US then the credit card company converts your charge to $US. As far
as this goes, it is true and I saved about $25 when the transactions were
posted. What I was not aware of was that CITI card charges a "Foreign
Transaction Fee" on every purchase. This totaled up to a charge of over
$100 US. It's my fault for not reading all the fine print but this didn't
happen 7 years ago when I was using an ATT card in Canada. I just wanted
to let you guys to be aware of this. I should have done what I did with
some of my cash on hand which was to go to a Royal Bank of Canada and have
them change $100 US to Canadian for a $3 fee so that I would have pocket
money.(btw Canadian money is pretty) that would have been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash. Don't
be a dummy like me!

We just got back from a 2 month trip to East Coast and Canada.-- Beautiful
and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about $.95
US then the credit card company converts your charge to $US. As far as this
goes, it is true and I saved about $25 when the transactions were posted.
What I was not aware of was that CITI card charges a "Foreign Transaction
Fee" on every purchase. This totaled up to a charge of over $100 US. It's
my fault for not reading all the fine print but this didn't happen 7 years
ago when I was using an ATT card in Canada. I just wanted to let you guys
to be aware of this. I should have done what I did with some of my cash on
hand which was to go to a Royal Bank of Canada and have them change $100 US
to Canadian for a $3 fee so that I would have pocket money.(btw Canadian
money is pretty) that would have been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash. Don't
be a dummy like me!

I convert to Canadian currency at my local bank, there has not been a fee.
They will only convert *paper*, no coin.


"Rtavi" <rtavi at (no spam) eudoramail.com> wrote in message
news:AradndX-vYelBhHVnZ2dnUVZ_t3inZ2d at (no spam) comcast.com...
We just got back from a 2 month trip to East Coast and Canada.--
Beautiful and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about
$.95 US then the credit card company converts your charge to $US. As far
as this goes, it is true and I saved about $25 when the transactions were
posted. What I was not aware of was that CITI card charges a "Foreign
Transaction Fee" on every purchase. This totaled up to a charge of over
$100 US. It's my fault for not reading all the fine print but this
didn't happen 7 years ago when I was using an ATT card in Canada. I just
wanted to let you guys to be aware of this. I should have done what I
did with some of my cash on hand which was to go to a Royal Bank of
Canada and have them change $100 US to Canadian for a $3 fee so that I
would have pocket money.(btw Canadian money is pretty) that would have
been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash.
Don't be a dummy like me!

Yep, and it didn't cost CITI one penny more to do the Canadian transactions.


"Rtavi" <rtavi at (no spam) eudoramail.com> wrote in message
news:AradndX-vYelBhHVnZ2dnUVZ_t3inZ2d at (no spam) comcast.com...
We just got back from a 2 month trip to East Coast and Canada.--
Beautiful and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about
$.95 US then the credit card company converts your charge to $US. As far
as this goes, it is true and I saved about $25 when the transactions were
posted. What I was not aware of was that CITI card charges a "Foreign
Transaction Fee" on every purchase. This totaled up to a charge of over
$100 US. It's my fault for not reading all the fine print but this didn't
happen 7 years ago when I was using an ATT card in Canada. I just wanted
to let you guys to be aware of this. I should have done what I did with
some of my cash on hand which was to go to a Royal Bank of Canada and have
them change $100 US to Canadian for a $3 fee so that I would have pocket
money.(btw Canadian money is pretty) that would have been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash. Don't
be a dummy like me!



When I was in Boston, Bank of America soaked me plenty (I think it was

Rtavi wrote:

transactions were posted. What I was not aware of was that CITI card
charges a "Foreign Transaction Fee" on every purchase. This totaled
up to a charge of over $100 US. It's my fault for not reading all
the fine print but this didn't happen 7 years ago when I was using
an
ATT card in Canada. I just wanted to let you guys to be aware of
this. I should have done what I did with some of my cash on hand
which was to go to a Royal Bank of Canada and have them change $100
US to Canadian for a $3 fee so that I would have pocket money

I don't think you can get a credit card from anyone anymore that
doesn't charge a fee for Foreign exchange.

Also, the next time you visit Canada, ask if there is a fee before
exchanging cash. I have never paid a fee to exchange cash in Canada.
I have walked out the door of a few banks and gone down the street to
another bank.

On Sun, 27 Jul 2008 11:03:02 -0500, "Rtavi" <rtavi at (no spam) eudoramail.com
wrote:

We just got back from a 2 month trip to East Coast and Canada.-- Beautiful
and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about $.95
US then the credit card company converts your charge to $US. As far as this
goes, it is true and I saved about $25 when the transactions were posted.
What I was not aware of was that CITI card charges a "Foreign Transaction
Fee" on every purchase. This totaled up to a charge of over $100 US. It's
my fault for not reading all the fine print but this didn't happen 7 years
ago when I was using an ATT card in Canada. I just wanted to let you guys
to be aware of this. I should have done what I did with some of my cash on
hand which was to go to a Royal Bank of Canada and have them change $100 US
to Canadian for a $3 fee so that I would have pocket money.(btw Canadian
money is pretty) that would have been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash. Don't
be a dummy like me!


The following site has a discussion and table listing the fees charged
by many US-issued debit and credit cards:
http://flyerguide.com/wiki/index.php/Credit/Debit/ATM_Cards_and_Foreign_Exchange

Also, the next time you visit Canada, ask if there is a fee before
exchanging cash. I have never paid a fee to exchange cash in Canada.
I have walked out the door of a few banks and gone down the street to
another bank.

On Sun, 27 Jul 2008 12:46:05 -0400, "Tom J"
tomnews at (no spam) earthlink.net> wrote:

I don't think you can get a credit card from anyone anymore that
doesn't charge a fee for Foreign exchange.

Also, the next time you visit Canada, ask if there is a fee before
exchanging cash. I have never paid a fee to exchange cash in
Canada.
I have walked out the door of a few banks and gone down the street
to
another bank.

Do be prepated with the current "real" exchange rate from a
source like Oanda. Many exchange desks and companies don't charge
a fee, but they get you with a bad exchange rate.

Rtavi wrote:

transactions were posted. What I was not aware of was that CITI card
charges a "Foreign Transaction Fee" on every purchase. This totaled
up to a charge of over $100 US. It's my fault for not reading all
the fine print but this didn't happen 7 years ago when I was using
an
ATT card in Canada. I just wanted to let you guys to be aware of
this. I should have done what I did with some of my cash on hand
which was to go to a Royal Bank of Canada and have them change $100
US to Canadian for a $3 fee so that I would have pocket money

I don't think you can get a credit card from anyone anymore that
doesn't charge a fee for Foreign exchange.

"Bill B" <ibhere at (no spam) comcast.net> wrote in message
news:eP6dnZEZDossLhHVnZ2dnUVZ_rjinZ2d at (no spam) comcast.com...
I convert to Canadian currency at my local bank, there has not been a fee.
They will only convert *paper*, no coin.


"Rtavi" <rtavi at (no spam) eudoramail.com> wrote in message
news:AradndX-vYelBhHVnZ2dnUVZ_t3inZ2d at (no spam) comcast.com...
We just got back from a 2 month trip to East Coast and Canada.--
Beautiful and loved it despite $1.59/Liter for diesel!
I have always been told to use a credit card when out of the US since you
get the benefit of paying in Canada Dollars which are running at about
$.95 US then the credit card company converts your charge to $US. As far
as this goes, it is true and I saved about $25 when the transactions were
posted. What I was not aware of was that CITI card charges a "Foreign
Transaction Fee" on every purchase. This totaled up to a charge of over
$100 US. It's my fault for not reading all the fine print but this
didn't happen 7 years ago when I was using an ATT card in Canada. I just
wanted to let you guys to be aware of this. I should have done what I
did with some of my cash on hand which was to go to a Royal Bank of
Canada and have them change $100 US to Canadian for a $3 fee so that I
would have pocket money.(btw Canadian money is pretty) that would have
been cheaper .
Anyway we had a great trip and I wanted to save you guys some cash.
Don't be a dummy like me!




The fee is built in. There are buy and sell rates. The 3% foreign exchange
fee has always been excessive to me.

Yep, and it didn't cost CITI one penny more to do the Canadian transactions.

I don't think you can get a credit card from anyone anymore that
doesn't charge a fee for Foreign exchange.
M<y CDNbank includes the (~2%) fee in their exchange rate.

Also, the next time you visit Canada, ask if there is a fee before
exchanging cash. I have never paid a fee to exchange cash in Canada.
I have walked out the door of a few banks and gone down the street to
another bank.
The fee for cash exchange is in their exchange rate.