- Centurion Member
- Posts: 512
- Joined: Mon Mar 05, 2012 10:58 am
- Location: PA
5/4/3/2/1 was not a rating. If there was a tie for first, second place was skipped. Kinda like a race, ya know? So for acceptance AmEx came in dead last, obviously, so it got a 1. 5 = first place, 4 = second place, 3 = third place, 2 = next to last place, 1 = you suck at life.
Chip & Siggy works just fine overseas, 99% of the time. The "I absolutely NEED Chip & PIN!" is overblown. I travel to Europe all the time and never have issues. PIN is nice, but Siggy gets the job done. In fact, in some parts you're better off carrying cash! In Bremen, Germany, I found most places, even the post office, only took cash and German debit cards. A lot of places didn't accept credit cards. Even my friend's Dutch debit card didn't work in most places there. We made a lot of ATM stops. And honestly, a lot of places are smart enough to swipe non-chip cards. The bonus was if there was no FTF, period.
I would never want to carry all my cards. 1) wallet is too thick & 2) spending spread out over too many cards causes me to overspend b/c I don't have a quick snapshot of what my total balances are.
It was made based on what's important to me. So clearly this isn't right for everyone.