Ī regular credit card is different from a charge card, which requires the balance to be repaid in full each month or at the end of each statement cycle. Most cards are plastic, but some are metal cards (stainless steel, gold, palladium, titanium), and a few gemstone-encrusted metal cards. There are two credit card groups: consumer credit cards and business credit cards. The card issuer (usually a bank or credit union) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. I was not charged for a cash advance for any of them.A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the other agreed charges). ![]() My last trip to Europe I did around a dozen transactions which required me to enter a PIN. ![]() The only time you will be charged for a cash advance is when you do a cash advance at n ATM or with a bank teller. Capital One will probably tell you you will be charged for cash advances whenever you use your PIN. You may never need it, but it won't hurt if you have it and then need it. A few other places as well required a PIN (I think in those cases it was operator error on the part of the clerk) but I still had to sign the receipt. I did, the transaction went through, I got my train tickets. I bought train tickets at an unmanned kiosk and it insisted that I had to put in a PIN. With that said, I have found the PIN on my Capital One credit card to be useful in Europe. You will never need a PIN in the US for any type of purchase. Besides the fact that is absolutely the last way you want to get cash and should only be done in an emergency, their view of the need of a PIN is always given from the US view of transactions. Nearly every US issuing credit card company and bank will tell you you don't need a PIN unless you plan on making cash advances at ATMs. A US card without a PIN may not work there, and that can be a problem if you are out of fuel at an odd hour without another station nearby! One case people find a chip and PIN card handy is at unattended fuel pumps in Europe that only accept credit cards. If I didn't have it, I'd just use cash in the rare times my chip and signature credit card wasn't accepted. It's nice to have but very rarely needed. I also have a true chip and PIN credit card. (Occasionally I need to remind them that I need to sign the slip - for THEIR benefit not mine!) If you see a European make a purchase at the same place, all they do is type in their PIN and not sign anything. Some clerks may find this unusual unless they are used to dealing with tourists making purchases, but I've never had much trouble with it. There are a few others.) When you make a purchase with a person involved, the terminal will print out two copies of the receipt, one of which you will need to sign. (One exception: the ticket machines to buy train tickets in the Netherlands require a chip and PIN card. ![]() Haven't been to Scotland, but elsewhere in Europe, my chip and signature card (no PIN) has worked perfectly well almost everywhere, even at many machines to buy tickets.
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