Tricks for tourists who travel abroad with cards / Web
The holidays have arrived for some and for those who choose destinations abroad, one of the aspects that must be carefully analyzed is how to deal with the payment that is going to be made, since given the existence of different exchange rates, there is the possibility of arbitrating between them. to partly reduce the cost of the trip.
On this point, it should be remembered that there are currently several possible combinations to improve the “balance sheet”. In this sense, today they coexist: the tourist dollar, which is the one that includes the PAIS tax (30%) and the perception on account of Earnings (45%) for an expense of less than US$300 per month; The Qatar dollar, which is applied to all expenses greater than that amount, includes the above items to which is added the perception of 25% on account of personal assets.
Until now, some financial entities have not yet been able to adopt their systems to what is required by the Afip resolution, according to which all those people who spend more than the franchise of 300 dollars must pay the Qatar dollar. This is due to the fact that, according to what they say, they are not in a position to unify the expenses of those who use plastic from different banks. Furthermore, in some cases they extend this comment to cards of different brands, although from the same entity.
Faced with this situation, many travelers choose to carry several credit and debit cards with them, if possible from different stations, since in this way they can alternate payments.
If the amount of the expense is low, experts recommend doing it with the debit card, since it is automatically debited from the account, thus ensuring the reference exchange rate of the day. What you have to keep in mind is trying not to exceed $300 per month.
It should be remembered that currently the differential between the tourist dollar and the Qatari implies in the first instance a saving of the order of 19 percent at the time of paying the summary.
On the other hand, if you pay by card and enter the lowest segment, that is, the tourist dollar, the price will be that corresponding to the time the summary is closed.
At that time, if the amount is less than US$300, the tourist dollar will be applied, in which case the most convenient thing will be to deposit pesos, which can be obtained from the sale of blue or MEP dollars, depending on the position of the client. before the Afip regarding the possibility of justifying those funds. Since both are listed between $350 and $335 if they are sold and the pesos are deposited, a final discount of the order of 3 to 4 percent will be obtained.
