New free SwissCard Cashback Card and Supercard from Topcard (and how to maximize profits)

I have been paying regularly at Denner with my Cashback AMEX.
In fact, I did so today.

Aldi/Lidl do in fact not take Amex. Not sure about Denner.

Was this normal Denner or Denner Satelite? Do they have a Amex Sign?

But something important to notice is that many smaller stores that don’t even have an Amex Sign (probably to avoid that you pay with it) still take Amex, you just need so try it out.

Another place where I sometimes do take away fur lunch does charge you CHF 1 extra if you want to pay with any bank card. But they do take Cash and Lunch Check without extra charge. I’m now paying with lunch check gift card from Coop Prämienshop and the top up is paid for mostly with Amex, that way I can pay mostly with Amex, get the 1% and don’t have to pay the CHF 1. (Together with 10% Prämienshop Discount on Lunch Check and another 6% Superpoint Cashback for using a Prämienshop Code it’s almost 17% discount on almost any Restaurant/Take-Away)

Normal Denner and Denner Express. For the independently-managed Satellites it’s at least plausible that card acceptance might differ.
And yes, pretty sure I’ve seen some signage, though VISA/Mastercard seemed more prominent/emphasized. If I recall correctly, I saw signage with and without AMEX in the same store.

…which should have been illegal since 2015.

Yes and a lot of places still do it anyway.

Really? I didn’t know that. I know it was illegal what the CC companies did in the 90ies. Which is to disallow shop to ask more for Card payments. It makes more sense…

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By the way, do you know how many places tell you that the minimum amount to pay by card is e.g. 10 CHF? Apparently, at least in Poland, it’s illegal. The contracts that VISA & Mastercard have with these shops forbid these practices. And indeed some people wrote in the comments of an article I read, that after they were refused to pay a small amount with card, they complained to Mastercard and a few days later the salesman didn’t object anymore :slight_smile: .

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I don’t think it’s illegal to ask for a minimal amount. What changed is that the payment companies are now allowed to forbid places to charge more for credit cards. But it doesn’t mean it’s the case everywhere.

(link in french)

I’m pretty sure it’s illegal (or maybe forbidden by credit card companies) in Switzerland as well. I have heard that many times. Either you take the credit card or you don’t.

Without being privy to the legal situation in Poland, surcharging is forbidden by EU law.
Setting a minimum transaction amount is legal - just often prohibited by terms and conditions of acquirers and/or the payment schemes.

Correction: It’s not illegal by law to charge surcharges in Switzerland, but Wettbewerbskommission has been allowing credit card companies to enforce their ban on them (which previously had been disallowed):

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I signed up for the Cembra Migros Cumulus Mastercard a few months ago. The bonus 5000 Cumulus points seem to have disappeared from my Cumulus account… do Cumulus points expire or should I be expecting some voucher in the mail or something?

Yes Cumulus Points automatically get transferred to CHF migros vouchers. You should see them in the Migros App and also receive them by mail at some point. Usually there is a gap of few days/weeks where the points are disappeared.

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Ah OK thanks, the vouchers must be the bons bleus/blaues bons, I guess. I don’t see any available digitally so they must be mailing them at some point.

I just wanted to order the SwissCard Cashback AMEX card and wondering why they need all the details regarding my work (salary, employer etc.). Does anybody know what they will do with that data?

Did you all just give them the required information?

These informations are asked by all credit card provider to evaluate your solvency.
If you salary is too low or you already have other debts, they will declined your request

They will also use that information to set your credit limit.

Compared to some other countries, and barring negative credit information (collection, default), Swiss issuers may seem to base their decision (and limit setting) a bit more on the these provable facts, as opposed to your actual credit/payment history.

Hi Rufio. The salary information is used to determine your credit limit. While you are required to specify an employer, there is very little chance of them contacting your employer. More commonly, the issuer will ask you for a copy of your recent bank account statements to check that you are receiving a salary from the stated employer.

When you apply, the issuer will also check your ZEK record to find out if you have existing debt or if you have defaulted on loans in the past. If there is a risk that granting you a line of credit could result in your becoming over-indebted (having more debt than you can actually service) then your application will be denied. They may also check your municipal debt collection register. If you have never taken out loans or failed to pay bills in Switzerland, you won’t likely have any credit history. This is considered a positive because only negative and neutral information is recorded (not positive credit behavior like in the US).

I also got the new Amex cashback card. 1 percent and no point hassle - just perfect

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Thanks very much for the detailed info on that! Did not know that this is something common / standard

Can we have a list of where teh Amex works?
I’ve seen a post on another thread but forgot to pin it…

I think it was something like:

Works: Migros,Coop, …

Doesn’t work: Aldi…

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