Jun 27, 2018 - 7:46 PM
We had swiss francs with us when we were in Switzerland last year.
Our Visa, American Express, and Mastercard credit cards were a problem in Zurich--a hotel and a restaurant had problems with all credit cards that were from the US, Australia and some parts of Europe on the evening that we had dinner there. Numerous tables weren't able to use any of their credit cards. I would have thought that the restaurant manager would have known who to call and how to resolve the problem. In Zermatt, there weren't any problems, they have many tourists throughout the year and the stores and restaurants don't seem to have any of these issues.
If you are going to use your US credit cards, have the international toll free number handy to call if your card is rejected. The restaurant finally put through our charges --which were significant that night. We called the restaurant the next day and they said that the charges were still outstanding and wanted us to wire money once we were back in the US. We had to get a transaction number to prove that the charges had indeed been sent through the system. Unlike the US, there doesn't seem to be a number that merchants in Switzerland can quickly call and resolve their issues with credit cards. (I have a client here in the US that does this for restaurants so I know the procedures here).