maliusmaximus (elite user) maliusmaximus posted May 21st, 2012 at 10:36 am to Shopping. Viewed 365 times. Answered 7 times.

Does anybody know which banks here have highly internationally compatible debit/credit cards?
I'm with Vietcombank, who totally suck for international purchases. One major issue is their requirement for a CVC number. Many international websites don't send this information to VCB in a way that they like. Apparently the transaction protocol used widely in America and Europe means that some things simply can't be purchased with a VCB card. It comes down to the way the CVC number is sent in the transaction. Apparently its only sent once in a handshake stage and then for the transaction itself its not re-sent, which means VCB will always reject transactions based on this protocol.
Sooo which banks here don't follow this protocol and have cards which can be used anywhere? Or is this a national policy and all banks will be the same?

Last answered by Grant about 86 months ago.

Answers (jump to newest answer)

QuyTay wrote on May 21st, 2012 at 11:15 am
QuyTay

I use my VCB credit card for all my international purchases and it has never been rejected. You have to inform them that you want to use it for both online and international purchases and they will remove the restricions on the account.

Grant wrote on May 21st, 2012 at 11:17 am
Grant (elite user)

"Beer"

ANZ CC seems to work just about everywhere but it was a pain in the neck to get one.

"Beer"

maliusmaximus wrote on May 21st, 2012 at 11:51 am
maliusmaximus (elite user)

QuyTay are you sure? Have you used it extensively? I've been using this VCB card for 4 years now including many international purchases and what I've been told by both VCB and sellers in America is that the issue arises from different authorisation protocols causing a problem with the CVC number, not from the account being restricted

maliusmaximus wrote on May 21st, 2012 at 12:13 pm
maliusmaximus (elite user)

Yup I just called VCB to re-verify the information and its definitely the case that there are no restrictions on the card. The operator verified that VCB are rejecting these transactions due to insufficient information being sent by the other bank (due to this protocol issue apparently)
Grant, have you used your ANZ card for many online purchases? Some organisations who I know that don't play well with VCB are Dropbox, Google and Origin.

Grant wrote on May 21st, 2012 at 1:09 pm
Grant (elite user)

"Beer"

Yes I have and haven't had it rejected by a payment system yet. It has been knocked by retailers though due the delivery country but not because of the CCV issue.

"Beer"

maliusmaximus wrote on May 21st, 2012 at 1:22 pm
maliusmaximus (elite user)

Awesome sauce. Thanks Grant. I was thinking about going with ANZ anyway so thats good to know. You mentioned its a pain the ass to get a card; do you mean a proper credit card, or even a debit card is hard to get?
I can present pay receipts, work contract, working visa etc...

Grant wrote on May 21st, 2012 at 1:33 pm
Grant (elite user)

"Beer"

The proper Credit Card. The Debit Card is not useful for online purchases and is often rejected due to the fact that it is Debit and not Credit. They'll want your WP and Visa details plus a copy of your work contract as well as the surnames of the previous six Goldfish you owned together with their bowl rental contracts.

Some of the stuff they ask for is not on the form: http://www.anz.com/vietnam/en/resources/a/2/a2356c804b915efaac1abf98006064f7/ANZ_Credit_Card_App_Form.pdf?CACHEID=593d34004b8b6206b88dfbb77efc9233

"Beer"

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