I was planning to write today about the problems sometimes encountered by Americans when they try to use their US credit card in Europe. As fortune would have it, I experienced exactly the reverse yesterday: Trying to use a German card in the US.
I was helping a German friend who is visiting us in the US use his credit card at a gas station. He inserted the German Deutsche Bank MasterCard into the gas pump. First he had to choose credit or debit. It’s a credit card, so he chose credit. Then a message appeared that I’ve seen a lot at gas pumps during my US travels lately: “Please enter your ZIP code.” Well, a German Postleitzahl is the same length as a US ZIP code, so he tried that. “Please see the clerk” was the machine’s response. We tried debit also, but it wanted a PIN that didn’t work. So it was off to see the clerk.
We were able to get the German card accepted with the clerk handling the transaction (and showing a German ID), but we had to guess how much gas we needed. If it was less than that amount, we would have to return to have the clerk enter a refund of the difference. Luckily, we guessed about right and did not have to do that. But the entire experience was a hassle caused by the differences in the way US and German credit cards function.
Basically, American credit cards are out of date (überholt in German). READ MORE »