Forums > General > Traveling Mexico

carmella morgan

Jul 5, 2002, 7:03 PM

Post #1 of 7 (700 views)

Shortcut

Back in Australia

Can't Post |

Hio guy's I am still in Australia after the unfortunate departure but I plan on returning to Ixtapa in September when things settle down at home with the family. In the last email I mentioned that I had to sell the car to raise the funds to hop straight on a plane and that I cancelled my credit card due to the permit concerns. I know that I am unable to return to Mexico as a driver ever again. But will the Mex govt be able to access my bank now that the card is cancelled?
Thanks again guy's
Carmella

Rolly

Jul 5, 2002, 7:37 PM

Post #2 of 7 (699 views)

Shortcut

Don't worry about your credit card

Can't Post |

It is my understanding that the idea that the Mexican government can charge your credit card if you leave your car in country is a myth that they would like you to believe. The credit card companies will not accept such charges, so I have been told.If someone has contrary information, please post it.

brad

Jul 6, 2002, 7:06 AM

Post #3 of 7 (699 views)

Shortcut

Don't worry about your credit card

Can't Post |

What you are saying is absolutely true Rolly. Nowhere on your papers does it say that you have authorized such a charge. Besides, how many people's cards have a high enough limit to cover the cost of a vehicle? Just another leyenda urbana!: It is my understanding that the idea that the Mexican government can charge your credit card if you leave your car in country is a myth that they would like you to believe. The credit card companies will not accept such charges, so I have been told.: If someone has contrary information, please post it.

Carlos

Jul 6, 2002, 7:59 AM

Post #4 of 7 (699 views)

Shortcut

Back in Australia

Can't Post |

:But will the Mex govt be able to access my bank now that the card is cancelled?
: Thanks again guy's
: CarmellaOnce your CC is cancelled how could anyone use/access it? Even if your same bank re-issued you a new one & your credit limit is enough to cover a new Hummer. Es imposible!

arbon

Jul 6, 2002, 8:19 AM

Post #5 of 7 (701 views)

Shortcut

Back in Australia

Can't Post |

Carmella,
Even the "Car" matter can ba cleared up,if you can (legally) document the family problem,and get
a translation by a Mexican (licenced Gov' translater)& pay a fine.
: Hio guy's I am still in Australia after the unfortunate departure but I plan on returning to Ixtapa in September when things settle down at home with the family. In the last email I mentioned that I had to sell the car to raise the funds to hop straight on a plane and that I cancelled my credit card due to the permit concerns. I know that I am unable to return to Mexico as a driver ever again. But will the Mex govt be able to access my bank now that the card is cancelled?
: Thanks again guy's
: Carmella

Jul 6, 2002, 8:58 AM

Post #6 of 7 (700 views)

Shortcut

Don't worry about your credit card

Can't Post |

: It is my understanding that the idea that the Mexican government can charge your credit card if you leave your car in country is a myth that they would like you to believe. The credit card companies will not accept such charges, so I have been told.I have zero direct experience in the area, but was under the impression that the credit/debit card impression was taken by Banjercito as a payment guarantee in lieu of making a refundable cash deposit. In cases where the car wasn't returned you'd be liable for the amount of the deposit, determined by the age of the car according to a fixed schedule, not the actual value of the car. If this is indeed the case, and Banjercito was to process the impression, credit card issuers would consider this to be a legitimate transaction to pay. Note that the deposits required are relatively nominal ($200-400, depending on the age of the vehicle). Forfeiting the deposit wouldn't, to my understanding, release you from any of the other responsibilities, liabilities, fees, or fines associated with permanently importing a vehicle to Mexico, any more than forfeiting a bond absolves you from further legal responsibilities in other areas.

Jul 6, 2002, 9:51 AM

Post #7 of 7 (701 views)

Shortcut

Random Ruminations Including Guido and Cavity Searches

Can't Post |

carmella morgan writes:
:[clip]....But will the Mex govt be able to access my bank now that the card is cancelled?So you cruise into your local Coles Myer, pop off say $400 AUD in charges, and then cancel your credit card before the charges post. Can Cole Myer access your bank accounts? I don't know about Australian laws and regulations on the matter (some bad jokes about the mindset of founding fathers with regards to banks and debts could probably be made) but at least in the US, the answer would be "not immediately nor directly". What would happen is that you would have a ticked off (a) department store and (b) credit card issuer, the latter would would most likely end up holding the loss for the transaction. The question would be just how ticked off the two parties would be. For the amount of $200-400 USD (the range for return deposits for temporarily importing vehicles into Mexico) I can't see either criminal charges being pressed (cancelling a credit card on a legitimate debt is either theft or fraud, I'm not sure which), a civil action being instituted which would ultimately result in them being able to access your bank accounts either voluntarily or involuntarily, or Guido and friends being dispatched to sing arias on your front lawn at 3 AM (setting the lawn on fire first adds sort of a cozy touch). I could, however, see (a) the credit card issuer being less than amused, not wanting to be your friend anymore, and making dark notes on your credit and financial records, and (b) Coles Myer giving you a special greeting the next time you offer up your name in the store.I think the question boils down to whether Banjercito and the Mexican government decides to pursue their claim, which to me appears to be a legitimate one. And personally, because I'm a big wuss about both my credit ratings and walking into situations where jails and cavity searches might be involved, I'd make it the point to ask some questions about taking corrective measures to people in the know, such as the Mexican consulate, rather than depending on the advice of total strangers on a discussion board.