Credit Card Processing Fees. Amount Due: Charge cards require you to pay your bill in full each billing cycle, while credit cards only require a minimum payment (a portion of your entire balance) and revolve the rest of your balance to the next billing cycle. Tokyo Metro (subway lines) will allow credit card purchasing on passes, not individual single-journey tickets. 1,024 × 768 pixels. similar charges. At Domestic ATMs- 2. The way shinkansen tickets are priced can be a little confusing, as the price is often shown (on Japanese websites as well as on the ticket itself) as being broken up into two separate components. With our instant credit cards, we offer a variety of benefits, such as rewards points, cashback, and travel insurance. Best for 0% intro APR + low fees: Citi Simplicity® Card. Own work. To add a card to your iPhone, go to the Wallet app and select “Add”. Japan's high speed trains (bullet trains) are called shinkansen (新幹線) and are operated by Japan Railways (JR). Benefits of card on file payments. The first way is to go to the ticket office – known as a Midori no Madoguchi – in the station and do it in person. 4% for certain credit card transactions. 5% cash back on every purchase, every day. Finally, multiply your average daily balance by the DPR, and then multiply the result by the number of days in your billing cycle. 2023. Security for Suica cards is less of an issue than it is with credit cards, since they can only be charged with up to 20,000 yen (about $192) and essentially function as electronic cash. Surcharges are legal unless restricted by state law. Dynamix Medical Charge on Credit Card Overviews. Japan train tickets cost. as some only offer Shinkansen tickets, others only offer seat reservations, and some do not accept foreign credit cards. 2. There can be queues but as mentioned, not very long (I remember waiting for about 10 minutes but that was several years ago). It is only necessary to use the SmartEX App to book the seats of Tokaido-Sanyo Shinkansen online in advance. If you notice a double charge on your account, you’ll need to dispute it. For most days, the earliest departure is 06:00 and the latest is 20:48. If that's the case, JR NEX is about ~3000 yen one way to Tokyo from the airport but you'll have to exchange your voucher for the JR pass right when you arrive. My mastercard was accepted (grin grin), but when I try to buy a ticket, because Smart Ex doesn't take the CVC, my purchase is declined because of incomplete information (no CVC). I think you can buy Shinkansen tickets at the ticket offices using credit cards/debit cards. The fastest and the most frequent JR Nozomi Shinkansen trains ops only every 10-15 min daytime, apart from the Hikari trains twice per hour. 20,000, the applicable fee will be Rs. I want to get some Japanese yen before more brexit drama takes place so will be changing some money this weekend. Choosing “Account services”. This fee is usually rolled into the conversion rate and thus. The definition of a finance charge is interest charges or other costs associated with using credit. About the Shinkansen. Japan Rail Pass. It might also be set as a pound figure of at least £5. Earn unlimited 1. Step 2. " Tōkai Passenger Railway") kabushiki gaisha. (c) 1. This is meant to cover the cost of. 3%. It’s also one of the few cards that won’t charge a late fee. As you read your credit card statement, you’ll see a transactions section. A couple of things to note-Tickets must be collected 1 day before travel,. . So a trip on the JR Yamanote line from Shinjuku to Shibuya costs only ¥157 instead of ¥160. Rather than request a refund from the merchant who facilitated the purchase, cardholders can dispute a particular transaction by contacting their bank and requesting a chargeback. You’ll be taken to a “Manage Disputes” screen as part of online cardmember services and provided with a list of transactions you can dispute. 1. Monthly Credit Card Interest Rate. It is officially abbreviated in English as JR Central and in Japanese as JR Tōkai (Japanese: JR東海 ). Tokyo Metro Vending Machines accept credit cards when you buy 24 hour ticket a little before the Tokyo Olympics. 7,537 posts. To use a Suica, PASMO, or ICOCA card with Apple Pay, you need: An iPhone 8 or iPhone 8 Plus or later, or an Apple Watch Series 3 or later with the latest version of iOS or watchOS. 96% + $0. [Sleeping Car ※5] Additional charges required All JR Group railways Shinkansen super express, limited express trains, express trains, and rapid or local trains. A charge card is similar to a credit card. There’s really no comparison between an IC card and a JR pass, as you buy them for different reasons. Valued for its speed, accuracy on time, comfort, safety and efficiency, the shinkansen can run at speeds of up to 320 km/h, carrying thousands of people across Japan daily. 日本語: 700系C55編成12号車（725-654）西明石駅にて. However, Japan’s rail system is complicated, and depending on where you’re going, your options may be different. Find out where and how to find the best value tickets for Shinkansen bullet trains. Provide your name, address and account number, and note the: Reason that you are. Your statement will list the merchant’s name and also, typically, the location. The main difference between charge cards and credit cards is your ability to carry a balance. smartEX Service;. In other words, you can’t profit from surcharges; you can only recoup your baseline costs. The JR Pass, while expansive, doesn't allow you access to every rail line so pay attention so you avoid boarding a train that may incur an additional fee. File:JRC Shinkansen Series 300 Seats of Green car. ・Both inside and outside of Japan. The fee goes up incrementally the further you travel. I think you can buy Shinkansen tickets at the ticket offices using credit cards/debit cards. And when you think about it, even at its most expensive, $48 per day for unlimited train travel isn’t too bad — especially when you consider some routes are upwards of $100 USD for a single journey. Balance Transfers Intro APR. You can make unlimited changes to existing reservations. 06/01/2022 [Notice] Beginning Monday, June 27, 2022, tickets for the “Shinkansen Office Car” (Car 8) on Tohoku and Hokkaido Shinkansen “Hayabusa” and “Hayate” trains will be sold. at least from the merchant’s perspective. A charge card can help you build credit, but "because charge cards do not factor into the credit utilization ratio, they have a lesser effect on your credit score than credit cards do," says. Best Credit Cards. JR Thunderbird Express Between Osaka/Kyoto and Toyama/Fukui/Kanazawa. Key points about: the different types of finance charges on a credit card. All Days:6:45-20:00. Let's say your average daily balance is $1,200. 4. Best Cash Back. and other some domestic (Japanese) brand cards JCB and more only. Step 3. You can use your smartphone and credit card to quickly and easily book seats and purchase Shinkansen tickets! ・Beginning one month prior to departure. There is a little bit more legroom and slightly cushier seats compared to Ordinary Cars. 7 trillion with operating profits increasing 14. Basic Fares. IC cards can be recharged at any station ticket machine that bears the IC card symbol, or when getting on or off a bus. If you have the option to pay credit then do it since some stores give a discount if you use Visa. jpg&oldid=444999716" Categories:. Usually, there is a "Dispute This Charge" option when you expand a specific charge. RogerR-Phila. The normal return fare from Tokyo to Kyoto is ¥27,920 = £180 or $224. Read various information related to our company and service and be ready for your visitation to Japan. English: Shinkansen Series 700 (725-654) in Nishi-Akashi Station. 05 to 2. SmartEX is available in-app or website. Recently, many people have had money charged to their credit and debit cards by Dynamix Medical and Dynamix Total Products without knowing why. credit cards U. Information is provided in English, Chinese and Korean. Children 6-11 pay children's fares (half of adult fare, except for the sleeper and green car fee which is the same as adult fare). But a big difference is that a charge card’s balance often has to be paid in full each month. You can also top up a Suica at most ticket machines, even at non-JR stations, such as Tokyo Metro, as well as buses that accept. Annual fees typically range from $95 to upwards of $500. When purchasing toica. 1. 4 per cent to cover the interchange fees associated with credit card payments. JR Thunderbird Express Between Osaka/Kyoto and Toyama/Fukui/Kanazawa. Trains in Japan are safe and punctual, making it easy to maintain your original travel plans. Is it fraud, unauthorized scam, unknown, real, or legit? For those who have journeyed from the United States to Japan and utilized credit or debit cards to ride the high-speed Shinkansen bullet trains operated by JRC, any related charges would legitimately show up as JRC Shinkansen on your card statements. The average credit card processing fee is 2. You'll get 35% off of your first purchase when you open and use the Kohl's Charge credit card. Employee cards come at no added cost, as do multiple expense management tools. Afterwards, it is possible to purchase shinkansen tickets online and use the registered IC cards to pass through the shinkansen ticket gates. We do it only for around $15~45 including courier fee!Late returns will incur a charge of 400 JPY per day, and lost devices a flat fee of 20000 JPY. This multi-use ticket grants unlimited access to all JR network public transport, including Shinkansen high-speed trains, buses, ferries and airport transport, for an affordable price. Use a different credit card instead. 2. You can probably use credit for train tickets at a manned booth. A charge card requires payment in full at the end of each month. Confirm that the charge warrants disputing. Thanks! I'll make sure I have cash though. Save on your international trips with the best international credit cards. The difference is, you can make the minimum payment to avoid a late fee. An interesting new twist is that up to 6 transit IC cards can be attached to one account for family or group travel. Starting on September 30, 2017, it will become possible to us IC cards, including Suica, Pasmo and Icoca, on the Tokaido-Sanyo Shinkansen. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Your card issuer will cancel your existing credit card and send you a new one. BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. com provides high-quality merchant credit card processing services for your business. 4 billion people have used the Tokaido Shinkansen, the transportation artery linking Japan’s three largest metropolitan areas, Tokyo, Nagoya, and Osaka. smart-EX is the mark to look for. The table given below shows cash advance fee on some popular credit cards-. As of October 6, 2022, Canadian business owners (excluding those in Quebec) can charge customers a fee — also known as a surcharge — of up to 2. attribution – You must give appropriate credit, provide a link to the license, and indicate if changes were made. October 2, 2023 9:55 am October 2, 2023 9:55 am October 2, 2023. How Credit Cards Work. The minimum is set by your credit card provider, but must be at least 1% of the outstanding balance, plus interest, any default charges and the annual fee (if there is one). 2. In 1964, Japan opened the first high-speed rail network in the world between Tokyo and Shin Osaka. Merchants in this state may either: (1) surcharge a maximum of 2%, or (2) charge the actual cost the company pays for credit processing. When the payment you send to your card issuer isn’t accepted, you could take on a returned payment fee, which usually ranges from $15 to $41. They may be in transition in the implementation of general credit card usage. Popular operators of trains from Shin-Osaka to Tokyo include Jr. Refer to the issuing company for further details on how to return them. Is it fraud, unauthorized scam, unknown, real, or legit?For those who have journeyed from the United States to Japan and utilized credit or debit cards to ride the high-speed Shinkansen bullet trains operated by JRC,. Issuers charge an annual fee for the privilege of using the payment card. . 5% cash back on every purchase, every day. Green Car Seats. You can make a reservation on any train for any time on all boarding sections of the Tokaido Sanyo Kyushu Shinkansen. For instance, if you withdraw Rs. How can I check my remaining balance? Can I use ICOCA to travel on limited express trains on conventional lines?You can travel from Shin-Osaka to Tokyo by train as fast as 2h 16m, with tickets starting from just US$ 93. Thus, Green Car passes cost around 30% more than ordinary car passes, and this holds true. . Credit card vs charge card - pros and cons. The form is often used to give businesses the ongoing authority to charge the cardholder on a recurring basis — whether that’s. Green Pass; Prices;. Remember that usually, you can only dispute charges that have already posted. . AMEX Platinum Charge. You can also receive your latest account information 24 hours a day by calling Kohl’s Customer Service at (855) 564-5748 and selecting option '2' from the main telephone menu. 7. In 1964, Japan opened the first high-speed rail network in the world between Tokyo and Shin Osaka. (PIN is. JR Sanyo-San in-Northern Kyushu Area Pass. Step 2. The Home Depot Commercial & Consumer Credit Card Services. Look up and. Many credit card issuers calculate your interest using a daily periodic rate, or DPR. This section features 3D presentation of the entire 26. Annual fees. The credit card exchange rates used are based on the rates offered by your credit card provider, such as Visa, Mastercard and American Express. Credit Card Users Paid $130 Billion in Interest and Fees in 2022Debit card disputes are very similar to credit card disputes. Menu. its_real_I_swear • 5 yr. You can usually do this over the phone by calling the number on the back of your card or through your online account. The daily rate is usually 1/365th of the annual rate. Over the years, the Tokaido Shinkansen, Japan’s bullet train, became internationally famous for its impeccable safety record, with zero fatalities in over 50 years of operation, as well as its punctuality and low pollution levels. WalletHub, Financial Company. Book Japan Rail Pass online at Klook today and get exciting discount offers. (seisanki 精算機), which usually have yellow panels, near the ticket gates. That makes charge cards less flexible when it. If you’re not sure where you land in the credit card vs charge card debate, here’s a quick summary of some important pros and cons of each. There is a shinkansen transfer gate between the JR station and the shinkansen. You can use the JR pass on JR lines for travel around cities too, for example to get around Tokyo or to get around Kyoto. You can make a reservation on any train for any time on all boarding sections of the Tokaido Sanyo Kyushu Shinkansen. e, March 26, 2023. *2 As a rule, each time a change is made we take a new payment for the post-change fare, and then refund the cost of the pre-change fare. The amount can vary but is typically between £100 and £250. The Pasmo Passport costs US$13. 500, as 2. Charge. Read promotional information on the official website of Central Japan Railway and be ready for your visitation to Japan. 2023-03-30: Japanese transportation companies look to credit cards as cheaper payment option - Asia News NetworkAsia News Network Paying for public transportation by credit card is expected to spread further when more overseas tourists come to Japan in the near future. Most of the premium cards offer a low forex markup fee but this card charges a 0% forex markup fee for foreign currency transactions. Best Balance Transfer Credit Cards. This information can be viewed in the Account Summary at My Kohl’s Card 24 hours after your payment has been posted to your account. About Tokaido Sanyo Kyushu Shinkansen. It has a $0 annual fee, a 0% foreign transaction fee and plenty of rewards. In this article, we will explain Dynamix Medical Charge on Credit Card & what Dynamix Medical is, and what they do. 2. Answer 1 of 6: Can you pay for shinkansen tickets with a credit card at the ticket office? Thanks for your help!Surcharge amounts are limited to your effective rate for credit card transactions, capped at 4% (2% in Colorado). The new rule allows merchants to charge consumers what are known as interchange or swipe fees, or the money credit card companies, banks and payment processors collect from merchants with every. But I do not recommend cars 13-16. The ticket machines do not accept credit cards. Typically, your bank or credit union offers a debit card when you open a checking account. jpg 1,500 × 600; 700 KB. Nov 30, 2018 How to Use your Suica on the Shinkansen. Avail low forex markup fee, international lounge access and more. Tools like Eno, the Capital One assistant, can help you track and manage your recurring payments each. The Suica card is a prepaid chip card that allows use of most forms of public transport (metro, trains, buses, monorail and taxis) in Japan. The letter to your credit card company disputing a charge should contain certain details, according to the FTC. Frequent JR East Shinkansen riders can earn JRE points that can be used to pay for future Shinkansen tickets and/or upgrades. Bank Altitude® Connect Visa Signature® Card is the best gas credit card because it offers 4 points per $1 spent at gas stations, as well as at EV charging stations and on travel. Cardholders may opt into the fee to keep transactions from being rejected at the register. Pocket WiFi. International transaction charges. But you’ll need to pay off at least the minimum amount. Select the card you wish to use, then toggle the card lock option. 7, 14 & 21 Days Whole Japan Rail Pass: Explore Japan with a Japan Rail Pass, enjoy unlimited travel for 7 days on specific trains, buses & ferries. Early Spend Bonus: Earn $50 when you spend $100 in the first three months. Two children between 1- 5 are free with each adult. WalletHub's Take: The Brex Corporate Card for Startups is a business credit card with no personal guarantee for companies that have at least $100,000 in the bank. R. Customer Support >. Charge cards aren’t as common as. Debit card. Suica (Japanese pronunciation: スイカ, Suika) is a prepaid rechargeable contactless smart card, electronic money used as a fare card on train lines in Japan, launched on November 18, 2001. In order to find a route with a Hyperdia search, you simply need to enter the name of the place of departure in the ‘From’ field, and the destination in the ‘To’ field. 500 whichever is higher. In a previous post, I detailed how the major credit card companies (Visa and MasterCard) effectively prohibited a local government or public authority from assessing a surcharge on customers who remitted payment of fees, assessments, and sometimes even taxes, by credit card, charge card, or debit card. Step 4) We will then. Ordinary Reserved or Non-Reserved Car. (seems possible) Ask at ticket counter or near JR station ticket gate staff. If you’re thinking, hang on that’s almost 2%! IC Card News. 5% that credit card companies charge merchants to accept and process the transaction. But many card issuers have $0 liability policies, so you may not have to pay anything if your issuer has this type of policy and you have eligible unauthorized charges on your bill. If you have a credit card charge-off, there are steps you can take to start repairing your credit score, Juodikis said. How to use Shinkansen. Overall sales increased 4% to Yen 1. JPY 0. ) as well as a Green Car Fee if you sit in the first-class section. There are (A) "credit card only". Aside from the credit card exchange rate, you should also compare the. 2. New cardholders can also earn an initial bonus of 50,000 points for spending $2,000 in the first 120 days. According to contractual agreements. The larger companies like Orix, Toyota Rent a Car, and Nissan Rent a Car are more likely to have vans available. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use. $0 annual fee and no foreign. 5 per cent to convert any transactions in a foreign currency into Canadian dollars. We have been receiving many more orders than we anticipated since this service started in April 2016 and received requests to accept credit card payment in addition to paypal. In order to use an IC card on the shinkansen, the IC card has to be registered at a dedicated, bilingual website alongside a credit card. As a result, there may be times when your credit card limit, or. JR Central saw revenues on the Tokaido Shinkansen climb by Yen 48. Standard. About Tokaido Sanyo Kyushu Shinkansen. In many cases, unfamiliar charges are simply the result of the cardholder not recognizing the. 5% of the transaction amount, subject to a minimum of Rs. Philadelphia. Here’s what he recommends. smartEX Service; smartEX-round trip;. 99% every time you use it. Find the charge in the list of transactions. 14 days Adult. For cardholders, however, debit card disputes can cause much more trouble, for multiple reasons. Order your JR Pass online by following a few simple steps. This is meant to cover the cost of. That includes some Shinkansen. Tōkai Ryokaku Tetsudō (lit. The normal return fare from Tokyo to Hiroshima is ¥38,480 = £249 or $308. Click here to read up on all the reasons why you should choose us! 1-888-9-CHARGE ( 1-888-924-2743 ) Take the Tour GET FREE QUOTEThis file is licensed under the Creative Commons Attribution-Share Alike 3. Credit card with which you are to settle your account/the amount. ago. A JR pass must be used on consecutive days within its allotted timeframe. Credit card surcharging enables a business to charge an additional fee (up to a maximum of 4% of the total transaction) when a customer pays with a credit card. SBI Card SimplySAVE. In general, the charges are a percentage of the total purchase, typically the 1. JR-Tokai (from Shin-Osaka) and JR-East (after arr Tokyo) also accept "DC". First, Dynamix Medical Supply is a distributor of medical products like. This guide explains how credit card fees work and shows ways you can use to lower your rates. The definition of a finance charge is interest charges or other costs associated with using credit. *Japan’s 10 public transportation IC cards accepted. Returned payment fee. The amount depends on various factors like features, benefits, card limit, etc. Tōkai is a reference to the geographical region in which the company chiefly operates. -Can be for unreserved seats. A handful of credit cards and charge cards, particularly those offering exclusive rewards or cashback, charge an annual fee. I honestly just paid in cash until the end of my trip in Narita shopping mall. Japan Travel Info. Year 1 - £0, Year 2 onwards - £195. A Bank of Canada report last year found that Canadians racked up $3. Blog. The first Shinkansen run was in 1964 between Tokyo and Osaka, just before the Tokyo 1964. Not sure why. Small-size. Finder Award. A charge card requires payment in full at the end of each month. You can probably use credit for train tickets at a manned booth. Reservations can be made on the day of travel, up to 4 minutes prior to departure. Service is provided in:. Things to note: Credit card payment to be made by the member himself/herself, cardholders must be 18 or over. You can use your smartphone and credit card to quickly and easily book seats and purchase Shinkansen tickets! ・Beginning one month prior to departure. Answer 1 of 10: Hello! My husband and I are travelling to Osaka and Tokyo in May. Capital One Quicksilver Student Cash Rewards Credit Card. Hyperdia search form. Charge cards typically don’t have a preset credit limit like credit cards do. MAY LOSE VALUE. [GranClass ※4] RAIL PASS coveres only the basic fare. But a big difference is that a charge card’s balance often has to be paid in full each month. The user interface is easy to navigate, and you can search for your desired train and seats, including those with oversized baggage spaces. 05 to 3. The typical credit card processing fees (specifically, the interchange fees paid to the card-issuing bank) for the four most popular credit card brands (i. Many credit cards in Canada charge a fee of about 2. In this video, I go undercover to show you how the ticket buy and sell process works. "Tokaido Sanyo Kyushu Shinkansen Internet Reservation Service" has introduced "3D Secure", the personal authentication service recommended by credit card brands, to ensure the safety of credit card payments. Best features: This no-frills credit card packs a punch thanks to its impressively long intro APR offer for balance transfers. Book your Japan Rail Pass now. To purchase tickets for Kyoto subway lines you should use the automatic ticket machines which can be found near to all ticket gates. If. so not sure what's up). Where can I purchase ICOCA cards? Where can I charge ICOCA cards? I want to know how much money is left on my ICOCA. Cards with annual fees often have more benefits than cards that don't. Yes you can use a credit card to buy your Shinkansen tickets at the ticket office or at a shinkansen ticket machine. Annual fee. The Shinkansen, also known as the bullet train, is a high-speed railway system in Japan that connects major cities across the country. SIM Card. jpg&oldid=444999776" Categories:. My mastercard was accepted (grin grin), but when I try to buy a ticket, because Smart Ex doesn't take the CVC, my purchase is declined because of incomplete information (no CVC). Ice cream shop owner Victor Garcia, for example, paid more than $25,000 in swipe fees last year. to share – to copy, distribute and transmit the work. If you reserve a ticket from outside of Japan using a travel agency, for example, JTB, the largest travel agency in Japan, you will be charged $75 per ticket! The $75 came from $55 service fee plus $20 courier fee to deliver your ticket to your hotel in Japan. You must post appropriate notice inside your store at the entrance and the point of sale. In Japan at train stations, you can very easily buy a ticket, shinkansen or other service, at the ticket machines just by the gate. *Please note that the outcome of the request is subject to the Bank’s approval. The primary difference is the payment method. Annual Fee. We deliver to wherever you want: your home, hotel in Japan, or other address. HK$ 788. Avoid Extra Fees. You are free: to share – to copy, distribute and transmit the work; to remix – to adapt the work; Under the following conditions: attribution – You must give appropriate credit, provide a link to the license, and indicate if changes were made. All Shinkansen train which runs between Tokyo and Kyoto or Shin-Osaka are a 16-car train formation. The short answer is yes, it is legal for a merchant to impose a surcharge. Some cards allow you to register a credit card so topping up is automatic. Total credit card processing fees for merchants range from 1. APPLY ONLINE. Before the Supreme Court ruling, merchants won the right to add surcharges or. Businesses that choose to add surcharges are required to follow protocols to ensure full transparency. Pre-termination fee. This rate is multiplied by the amount owed at the end of each day, then added to the previous day's balance. Read your card’s terms and conditions to understand what. so not sure what's up). Flex Rail Ticket provides a discounted round trip shinkansen package rate (non reserve seats only) for both temporary visitors and foreigners living in Japan, the ticket duration is valid for 7 days starting from the day you depart. Recommended using an ordinary credit card. insufficient fares and charges must be paid, but refunds will not be given for excesses. Earn unlimited 1. 400: Rs. Enter your 15-digit Card number, name of the cardholder, expiry date of the Card and the CVV (American Express cards have a 4-digit verification code) Once you enter all the above details. The JR Pass makes traveling around Japan easy. Square Purchases and Cardholder Help. Sales slip retrieval fee. You get 2% points for every Shinkansen ticket purchased through Eki-net. JAPAN RAIL PASS, a joint offering of the six companies comprising the Japan Railways Group (JR Group), is the economical and convenient means of traveling throughout Japan by rail. For example, a 7-day Japan Rail Pass costs ¥29,650 = £192 or $238. jpg&oldid=701124496" Categories:. jpg 1,500 × 600; 694 KB. Step 5: Enter 16-digit Credit Card number. You can buy shinkansen tickets from the "green window" (みどりの窓口) at any JR. Shinkansen-----Shinkansen Super exp tkt, Gran Class tkt (rsvd) Shinkansen Super exp tkt,. Check eligibility, fees & charges, bill payments,. The Green Cars are the first-class section on a Shinkansen. Finance charges can turn out to be 25% or more on a. You only "lose" flexibility if you want to retain the early reduced fare.