Obtaining an International Chip-and-PIN Credit Card (While in the USA)

Obtaining an International Chip-and-PIN Credit Card (While in the USA) | OMventure.com

Recently, while still in Seattle, I made a trek to an international bank.  It was a beautiful day.

The sun began to shine, my Uber driver delivered me safely, and it was such a delight to speak with foreigners at the bank.

I went to this international bank because, for quite some time, I've wanted a true chip-and-PIN credit card that could reliably work overseas in unmanned/after hours kiosks (as that's where my American chip-and-signature credit cards can fail to operate, thus, where a trip to an ATM becomes necessary).


After Living Cashless for Years, I Almost Can’t Fathom Tracking Down an ATM Just so I Can Proceed With My Day

But that's what happens if my credit card fails to work.  And I'm a firm believer that life is simply too short and precious for activities such as these:

  • tracking down a safe ATM
  • tracking down an ATM that belongs to my bank's network
  • tracking down an ATM that disburses the currency type I need (Euros vs other currency)
  • avoiding ATM fees
  • avoiding bank fees
  • avoiding foreign transaction fees
  • avoiding currency conversion fees
  • finding my way back to where I was trying to make a purchase
  • finding a way to reduce the bills the ATM gave me into smaller bills and coins
  • figuring out how to place said bills and coins into the appropriate slot/hand
  • wondering how clean the currency is =)


I Want Much More, Too

I want a true chip-and-PIN credit card that...

  • has no annual fee
  • has no foreign transaction fees
  • pays me points
  • is a VISA or Mastercard (because American Express and lesser known cards are not always accepted outside the United States)
  • comes from an international bank (so I can also enjoy having an international bank account)


So After a Long Search

I'm so grateful to have stumbled upon HSBC (and one of their chip-and-PIN credit cards, which more than met my needs).

The only challenge was this:  my unique (lack of) address documentation required that I show up in person, at an HSBC brick and mortar branch, to officially apply for my credit card.

That was a challenge I welcomed with open arms, as it eliminates those future ATM treks I otherwise would have had to make.

It was a beautiful day, indeed.

Has this been helpful? If you feel comfortable commenting below, I would love to know your thoughts. XO