Germany

For just about anything you want to get off your chest about credit cards.
14 posts
rockyrock
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Postby rockyrock » Wed Jul 09, 2014 11:30 pm

I suppose everyone has different experiences--which is good as you can pick the one that most closely fits what yours will be.

I haven't stayed in a hostel in over ten years and every hotel I have ever stayed at accepted cards. I can't argue mom and pop places not accepting cards as there are many stateside the same way.

My main point is that you could miss out on a lot of points--which may or may not matter to you. As an avid point chaser, I always attempt to make purchases with a card first and fall back on cash if need be. Using a card offers you many advantages over cash like purchase protection, insurance, the ability to dispute a purchase if the merchant fails to cooperate, etc. Clearly this doesn't matter if you are just buying a Krombacher and schnitzel at your corner stube, just something to think about.

No matter which path you take it sounds like a hell of an experience and I hope you get to do it.

Good luck!
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Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC


amexguy321
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Postby amexguy321 » Thu Jul 10, 2014 6:42 am

I'm German so here are some of my suggestions that might be useful to you. First of all, do not expect to pay for little things with your cards. There is usually a minimum of 15-20 euros in place. Even though Amex is getting a higher acceptance rate than in the past years, your best bet is a visa or even better a MasterCard. Forget Discover. Make sure you always have cash with you. I recommend you get an account with BoA. At DeutscheBank terminals you can withdraw without any conversion fees.

Getting a sim card is fairly easy. There are lots of prepaid options you can choose from. I highly recommend that you walk in a Telekom (tmobile) store and get a card straight from them or Congstar, which is a subsidiary that belongs to Telekom. They offer by far the best coverage and speed for acceptable prices. 20-30 euros should cover all you bases each month. You can even get away with less.
Stay away from O2, Eplus and especially Vodafone. Terrible service and your phone might receive GPRS service at times.

Again, I am sure you want to maximize points. There will be times when you can pay with a CC... Cash is King however.

Enjoy and drink some Hefeweizen mhmmm

catsartcox
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Location: New Mexico

Postby catsartcox » Sun Jul 13, 2014 12:00 pm

Thanks for the advice everyone. all but my discover has the EMV chip. But i know that all of them have a foreign transaction fees tied to them. So with your advice it, I might look into upgrade my Citi card to the Thank you Premier. I have the preferred. As I think my first year might be free. I'll plan to use the card for the big things. Going to the market and paying the bills. But I'll see about caring a fair amount of cash. I did just open a Charles Schawb account 4 months ago for trading. I have a wells Fargo as my main account. Would it be a good idea to move my money to Charles Schwab for my 3 month stay? I wonder if they offer a Visa Debit card for their accounts?

But yeah, I would still like to work on my points. As it is points that will pay for my plane ticket there and back.

Everyone seems to agree that T-Mobile is the way to go there. As I wanted to be able to have data on my phone, with out a nearly 1000$ bill.

I am trying hard to get some German down, part of the program is to give me a crash course in the language on top of earn some credit for my degree.

Also, I am going to be in Hanover. Since some of you know a lot of Germany, where should I go. What should I do? Almost every weekend I'll have a chance to take a train or bus to go somewhere. I am even thinking of going out to the Netherlands for a weekend.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

catsartcox
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Joined: Wed Jun 05, 2013 3:59 pm
Location: New Mexico

Postby catsartcox » Sun Jul 13, 2014 3:34 pm

Also, Go Germany!! Because the world cup is a thing right now.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)



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