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男爵府

積分: 6787


發表於 06-5-23 07:56 |顯示全部帖子

please help! traveller cheque vs credit card

my family is going to travel to west europe for a month.
any suggestion on the following:
1. traveller's cheque
2. credit card
3. cash e.g. pound, euro, swiss franc, etc.

anyone has recently travelled to europe?
what did you choose?

please kindly advise!!!


民房

積分: 83


發表於 06-5-23 09:26 |顯示全部帖子

Re: please help! traveller cheque vs credit card

As far as I know, Thomas Cook and AE are the most common Traveller's cheque available. You may required to pay a services charge when you buy it in HK and when you cash it in Europe. Thomas Cook and AE counter in Europe is not as crowd (you may not even find their counter at airport or train station) as the ATM machine in HK, you need to find the location of these counter with some effort.

There is almost none service charge for spending with credit card in Europe. Please be reminded that the exchange rate for Master Card or VISA Card are normal 2% lower than the exchange rate in HK. That means if you spend EU$100 you have to pay around EU$102. You may check this percentage through the Master Card or VISA Card centre. However, the Card centre will not tell you the exact rate because the actual rate depends the rate at the transaction.

I think using traveller's cheque may be a little bit cheaper than credit card, but I don't think it worth to spend to much time in cash the traveller's cheque.

I would say buy around half of your cash in traveller's cheque in euro and the rest will be spend by credit card.


男爵府

積分: 6787


發表於 06-5-23 14:34 |顯示全部帖子

Re: please help! traveller cheque vs credit card

Hi Hoi250605,

Thank you so much!

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