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FrankyOP

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  1. 4. Now this is the most confusing thing that I don't understand and have not gotten a clear answer. People say cibanco has lowest atm withdraw fee. But i believe... they don't give you the option to accept/decline the DCC rate right? If that is the case, then what rate are they giving you? Is it their bank rate? Or is it your US bank rate? Example on google if you type in 1 usd = 19 pesos. But at cibanco, it shows 18.2 pesos or so. So that means if you withdraw say 15000 pesos at cibanco and pay a 17.40 peso withdraw fee... you are also getting it at the 18.2 peso rate? I saw that rate at the bank outside and also near the atm. So that rate applies for that entire day at the bank? But the atm... its constantly changing? Example you go early in the morning with cibanco atm, rate could be 18.2... u go at night it could be 18.3? Also is the rate they advertise at the bank the rate you get if you exchange USD for pesos like when it shows 18.2 usd? 5. Is hsbc and santander the only atms that allow you to accept/decline the DCC rate? 6. If you want to withdraw larger amounts, which bank atm is the cheapest? Say you want to withdraw 15000. At hsbc, you pay 63.50p withdraw fee which i believe is highest of all banks right? But if you do that and decline the DCC rate, wouldn't that mean less money is deducted from your US bank account compared to going to cibanco and withdrawing 15000 pesos and paying a cheaper 17.40p withdraw fee because they rate they give you is their own rate which is going to be much worst than your home US bank rate? I notice when i withdrew from hsbc 15000 pesos, if i type 15063.50 pesos on google and convert that to us dollars... what gets deducted from my us checking account is very close. Previously when i accepted the conversion... it was like 40 dollars more or so i paid extra. Others can confirm this right? 7. So if im correct on this, the cheapest way to withdraw larger amounts of money has to be santander 1st and then hsbc 2nd? The reason is because these 2 banks allow you to decline the DCC rate? And santander i believe the atm withdraw fee is like 27 pesos or less right? But the atm limit with satander is 9000 pesos? I heard this number somewhere but not sure if thats correct or not. Because if you withdraw 9000 pesos each time from santander, you pay 27 pesos, so you could get 18000 pesos total for 54 total withdraw fee and also getting it at your home US bank exchange rate right? Thus its even a bit better than hsbc where you get 15000 pesos for 63.50 withdraw fee and getting it at your home US bank exchange rate? After these 2 banks, the next cheapest has to be cibanco since it uses their own rate like the other banks such as banamex and bancomer but the only differenece is they have the cheapest withdraw fee? So if you withdraw 5000 pesos right now from cibanco compared to say banamex or bancomer... each of these 3 banks are giving their own individual bank rates right? And cibanco is the best rate of all? I always heard cibanco has best exchange rate. Then you add in cibanco has the lowest atm fee of all, they are the best atm to use for best exchange rate and withdraw fees if you don't include santander and hsbc?
  2. Hey all. I'm not in Chapala but im in the Quintana Roo area, thus still Mexico but in the much bigger tourist area. But I assume the same answers applies as its in the same country. Here, there are banks and atms like bancomer, banamex, santander, hsbc, cibanco. I previously withdrew from banamex a while back with my US debit card... would do 10000 pesos and that seem to be the max. Then i found out about hsbc where you could withdraw 15000 pesos. So ever since then, i been doing that. But back then hsbc only charged 33.50 pesos or so per withdraw. Now its 63.50 pesos. But not only that... i didn't find out till recently that with the hsbc atm machine, there is option to accept/decline the DCC conversion rate... that you could actually decline it. I thought doing that meant the transaction won't go through. So all those times i clicked on accept, it cost me much more money. They advertise the rate at the hsbc machines where say google showed 1 usd - 19 pesos, it would show 18 pesos or so. But when i clicked on decline, i notice when i looked at the amount of money deducted from my US bank account, it was a good amount less than if i accepted the conversion. Now i have quite a bit of questions. 1. Which of the banks atms offer option to accept/decline the DCC rate? When i previously used Banamex, i don't recall if they have this option. Do they or do they not? Also does it depend on your debit card? Mine is a mastercard though. But do visa debit cards also have this option as well if they used hsbc atm machines back then? I heard recently, all Visa debit cards now have this option now. 2. What is the atm withdraw limit for each bank and their fees? I know hsbc = 15000 pesos 63.50 pesos cibanco - 25000 peso? 17.40 pesos santander - banamex - 10000 pesos? bancomer- Does anyone know what is withdraw atm limit and fee for each bank? I heard cibanco can do up to 50 bills so it could do max of 25000 pesos if your usa bank allow you that limit. Is that true you could do 25000 pesos at cibanco? Where im located, only one cibanco atm. Is that same for you guys in chapala? I heard there was one in chapala area as well so i assume same? But is it true cibanco can run out of bills fast so if you use it at night, you might could only withdraw say 5000 or 8000 pesos only? I never had an issue withdrawing from hsbc and getting 15000 pesos each time. So hsbc has highest withdraw atm fee and cibanco has lowest right? The other 3 banks are in the middle? 3. I tried to use the cibanco atm here earlier. I put my card in... then typed in my pin number. Type in 15000 pesos. Then clicked on answer to like next 2 questions etc. Then the screen showed a message which i assume was processing transaction. This took like an entire minute or even longer it seemed. Then it showed a message that was in english transaction timed out. I then checked to where the money dispenses from and nothing came out and i tried to push the thing to see if it was like where you had to push the thing to take the money out but i could not. Then i took my debit card out and left. There was no money deducted from my us checking account. Has anyone here had this issue with cibanco? This was my first time using the ATM and i thought... why is this atm doing this? With hsbc, its pretty quick.
  3. Are you telling me that its possible the product is already here or something? Anytime i bought a bought a product from amazon.mx or mercadolibre and the shipping was amazon shipping or dhl shipping from mercadolibre, its always been accurate. I know there is no way the product can get here this fast because the seller said it would take a lot longer etc.
  4. Hey yes i will answer the call when if they call again. I know for sure this isn't DHL though because when checking the tracking, it doesn't show that it has arrived here etc. I was told by the seller that once it goes by customs, it will show it on tracking. And yes when the product goes by customs, obviously I will answer the call since i know DHL will give me a call when they are here so i can come down and pick it up. But it was the seller told me there is nothing i need to do, just check the dhl tracking so thats why when i got these calls, i didnt think anything about it. Such as well its not DHL because it hasn't made it through customs yet. But then i just thought, could it be customs contacting me? So thats why i want to know if anyone here had a similar issue.
  5. Hey yes i will answer the call when if they call again. I know for sure this isn't DHL though because when checking the tracking, it doesn't show that it has arrived here etc. I was told by the seller that once it goes by customs, it will show it on tracking. And yes when the product goes by customs, obviously I will answer the call since i know DHL will give me a call when they are here so i can come down and pick it up. But it was the seller told me there is nothing i need to do, just check the dhl tracking so thats why when i got these calls, i didnt think anything about it. Such as well its not DHL because it hasn't made it through customs yet. But then i just thought, could it be customs contacting me? So thats why i want to know if anyone here had a similar issue.
  6. Well they called a few times earlier and i didn't pick up because i thought its scam/telemarketer. Then i juist thought about it now such as could it be customs? Last time this happened with amazon my first time i ordered from amazon.mx but this product shipped from within mexico and it was from amazon.mx directly as oppose to 3rd party. I will pick up when that number calls again but i like to know if anyone had this experience when ordering a product that is shipped from the US.
  7. I posted this question in the customs subforum but I think it should be in this forum? If not, can mod move this to correct subforum? I purchased a product on amazon.mx, thinking the seller was shipping the product from inside mexico since i saw it had a mexican address for the business Its a cream that you can easily buy on amazon.com in the US and i bought it many times. The seller tells me the product is imported from the US... which surprised me because it was listed on amazon.mx. There are also no custom fees as there is no wording of importacion which made me thought okay product is coming from Mexico and not imported.. The seller tells me no import fees or anything like that. They told me they are taking care of the customs paperwork so once its in customs and goes by it, the product will be shipped to my product here in Mexico. I recently received a few phone calls to my telcel phone that seems to show + 001 234 56 as the number and coming from Mexico. I don't answer any unknown calls because they are usually scams and telemarketers. However, a while back when i bought from amazon.mx and the product was not from a 3rd party and from amazon.mx directly i got call and i didn't not reply because i figure it was scam/telemarketing. Then they send me text message amazon so i messaged back and called them and it was the person delivering the product from amazon.mx. So anytime i buy off amazon.mx and its from them directly, they always give me a call when they are here, then i pick up and go downstairs to pick up the item. Does anyone know if customs calls you on the phone if its a product that is imported? Like whether it gets in or not? The product is an OTC cream that you can easily get on amazon.com so there is no ingredients in there which is not allowed etc. The seller told me they taking care of the customs paperwork and i have nothing to do and just check the dhl tracking etc. Does anyone know if customs will give you a phone call if a product is being imported to you? Or only if there is an issue? I didn't pick it up few times already but now im thinking... maybe thats customs? But what if they don't call back? Would like to know from anyone that bought a product online from the US and had it imported to Mexico. Had I know the product was coming from the US, i wouldn't have bought it because i read stories of customs and packages etc.
  8. I purchased a product on amazon.mx, thinking the seller was shipping the product from inside mexico since i saw it had a mexican address for the business Its a cream that you can easily buy on amazon.com in the US and i bought it many times. The seller tells me the product is imported from the US... which surprised me because it was listed on amazon.mx. There are also no custom fees as there is no wording of importacion which made me thought okay product is coming from Mexico and not imported.. The seller tells me no import fees or anything like that. They told me they are taking care of the customs paperwork so once its in customs and goes by it, the product will be shipped to my product here in Mexico. I recently received a few phone calls to my telcel phone that seems to show + 001 234 56 as the number and coming from Mexico. I don't answer any unknown calls because they are usually scams and telemarketers. However, a while back when i bought from amazon.mx and the product was not from a 3rd party and from amazon.mx directly i got call and i didn't not reply because i figure it was scam/telemarketing. Then they send me text message amazon so i messaged back and called them and it was the person delivering the product from amazon.mx. So anytime i buy off amazon.mx and its from them directly, they always give me a call when they are here, then i pick up and go downstairs to pick up the item. Does anyone know if customs calls you on the phone if its a product that is imported? Like whether it gets in or not? The product is an OTC cream that you can easily get on amazon.com so there is no ingredients in there which is not allowed etc. The seller told me they taking care of the customs paperwork and i have nothing to do and just check the dhl tracking etc. Does anyone know if customs will give you a phone call if a product is being imported to you? Or only if there is an issue? I didn't pick it up few times already but now im thinking... maybe thats customs? But what if they don't call back? Would like to know from anyone that bought a product online from the US and had it imported to Mexico. Had I know the product was coming from the US, i wouldn't have bought it because i read stories of customs and packages etc.
  9. mudgirl... Well it says whatsapp is free and unlimited. So say you get the 1gb data plan thus the SL150 plan. If you use whatsapp to make video calls... which obviously uses a lot of data... does that count against the 1gb of data you have for the month? Or if you use facebook and do a lot of things on it which uses some data. Does that count against your data whether you have the 1gb or 3gb? I have used many of these plans before. But i dont want to intentionally use up 1gb of data fast just to find out if whatsapp does not count. Thus i could make a few video calls and use up 1gb easily if i wanted to. But would i still have data left or not? The wording is confusing because if they say whatsapp is included and unlimited along with facebook and twitter... i would think...so that doesn't count as my 1gb data. I dont think this is a confusing question at all.
  10. https://www.telcel.com/promociones/amigo/paquetes-internet-doble-de-megas So this double the data is only if you choose the internet option thus INT. Does this promo end soon or how long has it lasted? So if you choose SL150, do you only get 1gb of data or you get 50% bonus so 1.5gb? If you enter SL200, do you get 1.5gb or 2.25gb since they say 50% more? Whenever you over the data, you always get a message that you went over it right?
  11. I'm assuming if there is this plan... you cannot roam outside Mexico with it correct? I assume you can't add more credit to it if you plan to use it in the US? I assume you could add credit to it like Telcel but if you do any roaming, it eats up your balance? The other thing is could you get this plan if you are a tourist? I don't know why but i thought that might be another catch? Thus only residents can get this? Because 300 pesos paid every month for unlimited call to north america and data while in Mexico... that seems way too good to be true.
  12. Hey all got a question. I heard this from someone not that long ago who is also in Mexico and i want to know more about it. Someone tells me he has AT&T here and basically every month goes to walmart and pays 300 pesos for the monthly fee. He then says he gets unlimited everything... meaning unlimited call to anyone in North America. He also says he gets unlimited data as well. That seems way too good to be true. He says he activated it by going to the AT&T cellular area at walmart. Its not in chapala but another part of mexico where im located and he is as well as he said was in same city. Does anyone know about this plan? He also tells me he could tether it as well.. meaning use it as hotspot for a computer though. Then again, most companies do allow this. Does anyone know if there exist this plan? Seems way too good to be true because if you enter a 300 peso code with telcel, you get 2.5gb only.
  13. Okay so the Sin Limite is if you do lot of calling and texting. But this is with your telcel number though. So if you had a google voice number on your phone for example... i use this to call ppl in the us and send/receive text... then this isn't a big deal right? I almost never make phone calls from my cell phone number with telcel ever and almost never text message ever. Also you say ppl who call and text. Well don't you get unlimited whatsapp though? Because you can call people and message on whatsapp and all the data you use for whatsapp... its unlimited right since thats included and not related to the 1gb for the month? So basically if you are in mexico and do not call or text ppl with your telcel phone number... just go with the INT as oppose to SL right since you get much more data? If you are outside Mexico or plan to be outside of Mexico soon or if you call a lot and text from your telcel number... then use the SL code? What i dont understand is why do ppl call or text much with it ... assuming they have whatsapp? Now if whatsapp was not included... then i obviously understand what you want to use SL as oppose to INT. I know the INT is for ppl who want more data. But if you don't ever or rarely call or text from your telcel number... then shouldn't you might as well get the INT anyway? Also the bonus data they are giving you... does anyone know how long this has been going on? Is this promo going to end soon?
  14. Can someone here clafiry the difference between using code SL150 vs INT150? So basically with the SL, you could make phone calls and text messages to anyone in North America? You could also roam anywhere in North America? The INT basically gives you more data but you can't make calls or text messages to anyone in North America? And you cannot use it to roam in US or Canada?
  15. Can anyone here who use Telcel and use either INT or SL tell me if what i mention above is correct? The thing was back then i always used INT because i know it was for data. Then i found out about SL and then started using that instead. So instead of int100 i then used sl100. So if you have no use for your telcel number for calling someone or texting with that number and say you use whatsapp to call/text anyone in Mexico and use your US google voice number to call or text people in the US, then use the INT code instead since you get more data than the SL code? I could understand having the SL code is good because you can make calls with the telcel number and text but dont most people here use whatsapp for that and thus the calling and text unlimited is pretty much useless if you have a google voice number?
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