Go Back  British Expats > Living & Moving Abroad > Moving back or to the UK
Reload this Page >

Over 40's Moving Back and Catching Up

Over 40's Moving Back and Catching Up

Old Jun 1st 2013, 2:59 pm
  #7471  
BE Forum Addict
 
rebs's Avatar
 
Joined: Nov 2007
Location: Beautiful Dorset, UK
Posts: 2,183
rebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by cheers View Post
Thanks for this valuable info. To clearify.... Right now if I'm in the grocers for example I just swipe my card and sign, and they have done away with signing for below $50. Are you saying my credit card won't work in the UK because I don't have a chip?

Cheers
No, I'm not saying that... I was referring to UK issued credit cards.

Using your US card, you may be ok, or you may have issues in some places - it depends if they can deal with non chip&pin cards. If you head over to the US board and do a search you should find some discussion about experiences people have had in various shops while visiting the UK.
rebs is offline  
Old Jun 1st 2013, 3:24 pm
  #7472  
BE Forum Addict
 
Joined: Jul 2010
Location: North East Ohio, USA
Posts: 1,567
Derrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond reputeDerrygal has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by rebs View Post
No, I'm not saying that... I was referring to UK issued credit cards.

Using your US card, you may be ok, or you may have issues in some places - it depends if they can deal with non chip&pin cards. If you head over to the US board and do a search you should find some discussion about experiences people have had in various shops while visiting the UK.
I was back in the UK last Fall. I contacted my US bank to let them know I would be overseas so they wouldn't put a block on my card. The credit car worked in some stores - others it did not. However I was able to complete my transaction. Just tell the store clerk that it is a US issued credit card and they can swipe it for you at the register. Most of the UK stores have a "tap and go" feature now - US credit cards won't work in those situations because they don't have a chip, but the store clerk should still be able to take the card - they just run it through the register.
Derrygal is offline  
Old Jun 1st 2013, 3:28 pm
  #7473  
BE Forum Addict
Thread Starter
 
Joined: Aug 2010
Location: US
Posts: 4,224
cheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by rebs View Post
No, I'm not saying that... I was referring to UK issued credit cards.

Using your US card, you may be ok, or you may have issues in some places - it depends if they can deal with non chip&pin cards. If you head over to the US board and do a search you should find some discussion about experiences people have had in various shops while visiting the UK.
Yes I was just reading Steve Reeves, do you know him? He says not to worry.
One thing he does confuse me about and that is he says a lot of merchants don't take credit cards because of the fees they have to pay. That is contrary to what I have understood and that is the locals charge everything???

Cheers
cheers is offline  
Old Jun 1st 2013, 3:44 pm
  #7474  
Ping-ponger
 
dunroving's Avatar
 
Joined: Jul 2002
Location: Dreich Alba
Posts: 11,964
dunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by rebs View Post
WhoFan63? You can find some of her updates here... http://britishexpats.com/forum/showthread.php?t=794426



If you want cable or satellite services then yes, you would have to pay in addition to the TV Licence. There are alternatives though - you can get the terrestrial channels (BBC1 & 2, ITV1, Channel 4 & Channel 5) just through an aerial if the reception is good enough in your area.

Or there are various subscription free services such as Freeview or Freesat. These will give you the terrestrial channels plus the 'free to air' channels - including some HD channels if they are available in your area (and you have a digital freeview or freesat device).

TV Licence is free once you are over 75 if that is of use to you.



Yes - you get a PIN with your credit card - the 'chip' is the smart card technology inside the card - hence the name 'chip & pin' - the chip in the card, the pin in your head
You mean I'm not supposed to write it down on a piece of paper I keep in my wallet? How am I supposed to remember it?
dunroving is offline  
Old Jun 1st 2013, 3:49 pm
  #7475  
BE Forum Addict
Thread Starter
 
Joined: Aug 2010
Location: US
Posts: 4,224
cheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by rebs View Post
No, I'm not saying that... I was referring to UK issued credit cards.

Using your US card, you may be ok, or you may have issues in some places - it depends if they can deal with non chip&pin cards. If you head over to the US board and do a search you should find some discussion about experiences people have had in various shops while visiting the UK.
They don't give PINS with credit cards here? Debit cards they do.
cheers is offline  
Old Jun 1st 2013, 3:53 pm
  #7476  
BE Forum Addict
 
islandwoman120's Avatar
 
Joined: Jul 2010
Posts: 1,139
islandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond reputeislandwoman120 has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by cheers View Post
Yes I was just reading Steve Reeves, do you know him? He says not to worry.
One thing he does confuse me about and that is he says a lot of merchants don't take credit cards because of the fees they have to pay. That is contrary to what I have understood and that is the locals charge everything???

Cheers
Many of the smaller merchants have a minimum spend on a debit or credit card, otherwise they impose a small change, such as 30p or maybe a bit more, eg you need to spend £6 or £10 to not incur charges. Many places don't accept checks/cheques any longer. I rarely carry cash on me now - use my debit card almost exclusively, at least locally, where I am aware of the extra charges and buy accordingly,
islandwoman120 is offline  
Old Jun 1st 2013, 4:12 pm
  #7477  
Ping-ponger
 
dunroving's Avatar
 
Joined: Jul 2002
Location: Dreich Alba
Posts: 11,964
dunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond reputedunroving has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by cheers View Post
They don't give PINS with credit cards here? Debit cards they do.
I think the US has been slow to catch up with chip and PIN technology for credit cards. My US ATM/debit card has a PIN, but not my US credit card.

To reiterate what some others have already said, in the UK, my understanding is that legally business owners have to allow you to use a credit card with a signature for the purchase (rather than using the PIN card readers) - however, in practice some shops flat refuse (or rather they say they can't do it). I think it tends to be more small shops (newsagents, etc.), and I'm guessing it's probably because someone getting paid minimum wage isn't trained in all the legal aspects of payment methods. I've had this problem in the past.
dunroving is offline  
Old Jun 1st 2013, 4:36 pm
  #7478  
BE Forum Addict
Thread Starter
 
Joined: Aug 2010
Location: US
Posts: 4,224
cheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond reputecheers has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by islandwoman120 View Post
I rarely carry cash on me now - use my debit card almost exclusively, at least locally, where I am aware of the extra charges and buy accordingly,
I thought I was the only one that didn't carry cash.
I use my American Express card and now I get points for using it. I will avoid using it in the UK. ( 12 days to go)
I have a Mastercharge/Visa credit cards and cash which I will use.

Cheers
cheers is offline  
Old Jun 1st 2013, 4:55 pm
  #7479  
BE Forum Addict
 
rebs's Avatar
 
Joined: Nov 2007
Location: Beautiful Dorset, UK
Posts: 2,183
rebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond reputerebs has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by cheers View Post
Yes I was just reading Steve Reeves, do you know him? He says not to worry.
One thing he does confuse me about and that is he says a lot of merchants don't take credit cards because of the fees they have to pay. That is contrary to what I have understood and that is the locals charge everything???

Cheers
I would disagree that it is 'a lot' of merchants that don't take credit cards - as others have said some smaller independent type shops might have a minimum spend. The only other places that I would not use a card would be market stalls - either regular or farmer's market type places.

I tend to find I can use a card everywhere I shop, but I might not be able to use my Amex card - there are plenty of places, large and small that don't take Amex (due to the fees, I believe).
rebs is offline  
Old Jun 1st 2013, 5:19 pm
  #7480  
BE Enthusiast
 
coastieexpat's Avatar
 
Joined: Mar 2010
Location: Mendocino, California
Posts: 954
coastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond reputecoastieexpat has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

US Credit Cards With Smart Chip Technology .........

http://thepointsguy.com/2013/05/us-c...+Points+Guy%29
coastieexpat is offline  
Old Jun 1st 2013, 5:36 pm
  #7481  
BE Forum Addict
 
Joined: Feb 2010
Posts: 2,606
Fish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond reputeFish n Chips 56 has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

I prefer to use cash except when buying gas/petrol, its easy to track for business use, plus I get a discount.

My wife went into the post office the other day, the lady behind the counter said they couldn't accept a Credit card as the machine was down, fortunatly we use cash, the lady said many people use a CC to buy one stamp, that just sounds crazy to me.

People moan that the banks have too much power but then use credit /debit cards to make them more wealthy and more powerful, getting 3% of every dollar/pound spent from merchants, then the interest off the customer if they dont pay off the card every month, its not a bad gig for the banks.

Last edited by Fish n Chips 56; Jun 1st 2013 at 7:28 pm.
Fish n Chips 56 is offline  
Old Jun 2nd 2013, 1:34 pm
  #7482  
BE Forum Addict
 
Joined: Nov 2010
Posts: 4,100
windsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Hello everyone!!

It was suggested to me that I put a note here of my good news because I forgot that some people only visit this thread and none of the others

I AM A GOING HOME!!!

I started a new thread to tell all about it last Sunday

http://britishexpats.com/forum/showthread.php?t=798156
windsong is offline  
Old Jun 2nd 2013, 2:37 pm
  #7483  
BE Enthusiast
 
Joined: Dec 2006
Location: Now Devon
Posts: 945
aries has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond reputearies has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by Fish n Chips 56 View Post
I prefer to use cash except when buying gas/petrol, its easy to track for business use, plus I get a discount.

My wife went into the post office the other day, the lady behind the counter said they couldn't accept a Credit card as the machine was down, fortunatly we use cash, the lady said many people use a CC to buy one stamp, that just sounds crazy to me.

People moan that the banks have too much power but then use credit /debit cards to make them more wealthy and more powerful, getting 3% of every dollar/pound spent from merchants, then the interest off the customer if they dont pay off the card every month, its not a bad gig for the banks.
I'm another one who prefers to use cash except for bigger purchases. It astonishes me that some people use cards to buy very little, taking excessive time at a checkout. Added to this they are asked if they would like any cash!
aries is offline  
Old Jun 2nd 2013, 2:40 pm
  #7484  
BE Forum Addict
 
Joined: Sep 2009
Posts: 1,197
between two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond reputebetween two worlds has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by windsong View Post
Hello everyone!!

It was suggested to me that I put a note here of my good news because I forgot that some people only visit this thread and none of the others

I AM A GOING HOME!!!

I started a new thread to tell all about it last Sunday

http://britishexpats.com/forum/showthread.php?t=798156
Such great news! As I said over on your new thread, I came upon it by chance and was SO happy to read it....
between two worlds is offline  
Old Jun 2nd 2013, 2:43 pm
  #7485  
BE Forum Addict
 
Joined: Nov 2010
Posts: 4,100
windsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond reputewindsong has a reputation beyond repute
Default Re: Over 40's Moving Back and Catching Up

Originally Posted by between two worlds View Post
Such great news! As I said over on your new thread, I came upon it by chance and was SO happy to read it....
Thank you, Between Two Worlds. I am very glad you mentioned putting a note here, too.
windsong is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.