Is it any different if the card was issued by an organisation outside the US which the retailer might not be familiar with or has logos or affiliations they might not reognise? (Ryanair, GAA county cards, etc.)Stricly speaking neither US Visa nor US Mastercard allow a merchant to ask for ID if authorisation for the transaction has been given. They even have forms for you to complain if a merchant is asking for id.
If the card was authorized and the shop than asks for ID you can tell them "No" and if they don't wanna accept that, tell them to reverse the charge and shop somewhere else.
As long as you card has your signature, getting an authorisation and checking the signature is all the merchant must do, asking for ID is just another avenue that opens you to identity theft.
I actualy refuse to show a shop assitant my id (given that my driver license has my date of birth, full address and social on it) and if they don't wanna give me the goods than I shop somewhere else and complain to Visa/Mastercard about it.
Is it any different if the card was issued by an organisation outside the US which the retailer might not be familiar with or has logos or affiliations they might not reognise? (Ryanair, GAA county cards, etc.)
is it best to use credit card(mastercard), cash, travellers cheques or ATM machines
Do you mean an AIB ATM card with Cirrus/Maestro/Plus or something like that? If so then compare the AIB card cash withdrawal charges and forex margin against the PTSB VISA 1.75% forex margin on non € transactions (including cash withdrawals). I suspect that the latter will be cheaper in most or all cases.If you were to pre load the PTSB credit card with cash (outside of the security issue with this) and use this credit card in ATMs in the States is this cheaper than using an AIB atm card in ATMs there.
So you could be paying up to 5%? The lady on the phone (like many people) obviously forgot about the forex margin!• ATM withdrawal cash transactions in any currency
other than euro attract a currency conversion fee of
up to 4% (depending on the currency) and also a
commission charge of 1% of value (minimum €1.27,
maximum €6.35).