When Making Purchases Abroad, Be Sure the Numbers Add Up
Update: Some offers mentioned below are no longer available. View the current offers here.
Every travel site will tell you how to do things the right way. But as every traveler knows, sometimes things go wrong. In his bimonthly "Mistake Monday" series, TPG Contributor J. Keith van Straaten invites you to learn from his mistakes — his many, many mistakes.
There's no better travel than free travel. So when I found out I had cousins living outside of Florence, Italy, I suddenly became very interested in bonding with my family — and/or staying in their home for free.

Cousin Sara (not her real name) was born in the US but fell in love with an Italian man while visiting that country. She returned to Italy to get married and she and Giovanni (not his real name, either) had two daughters, one of whom had found me on Facebook and invited me to visit. I was already planning on joining some friends on a trip to Prague that winter, and I was delighted to learn that Czech Republic and Italy are separated only by an Austria. I booked a low-cost-carrier ticket from Prague to Rome, then took a train to the family farm a few stops outside Florence.

My cousins' place was almost a cliché of Tuscan splendor: clear blue skies, rolling hills and olive trees as far as the eye could see. Their warm, cozy house came with a friendly cat, they made their own olive oil in the basement and next door was a 12th-century church decorated with Sara's sculptures. And hooray, all this joy was free of charge — grazie, cugini!

On the last night of my visit, Sara and Giovanni took me into Florence for dinner and a private tour of their art gallery. Sara made the paintings and sculptures and Giovanni ran the business. Sara made her living as an artist and her work had been celebrated worldwide. She crafted faceless, thick-thighed figures that oozed passion, often frozen in an embrace or gymnastic routine.

My eye and heart were caught by a small bronze figure hanging upside-down from its knees, suspended over a crossbar. It was lumbering and heavy and graceful and dynamic, and I knew just where it belonged: in my living room.
I sat down with Giovanni to talk prices, and after a bit of necessary haggling, soon settled on a number: 500. It would be the most I'd ever spent on something that didn't have Wi-Fi.
Running low on cash and not wanting to incur foreign transaction fees (this was pre-Barclaycard Arrival Plus World Elite Mastercard), I agreed to transfer money to my cousin's bank when I got back home. A few days later, with the sculpture looking just as I'd pictured it on the mantel, I transferred $500 to Sara's account.
Days later, I received this e-mail:
Dear keith,
Well, the bank finally sent us the money but instead of 500€ ,we received 330€! I suppose the bank misunderstood and thought the sum was in $. So, unfortunately you'll have to tell the bank to send the remaining 170€.What a pain in the neck! Saluti, Sara
Uh-oh. It wasn't the bank that had misunderstood. It was Giovanni — and me.
170 more euros wasn't (and isn't) chump change. At the time, the euro was stronger and at that rate, the 170€ deficit came to about $257 — making the piece about 50% more expensive than I'd thought. I know the piece was worth even more, but I just couldn't afford it. What was I to do? I wrote Sara back:
Hi Sara,
Oops! I think we had a miscommunication. I clearly thought we had agreed on 500 dollars not euros. I wouldn't have been able to take the piece for the higher amount (again, I'm sure it's worth much more; just can't afford). Can we find a solution that works for both of us? Maybe if we split the difference and I sent along another 85 euros? Sorry for any confusion on my part.
thanks,
keith
A reply came quickly; a reply filled with accusations, recriminations, and a demand for the full 170 Euros. As a bonus, Sara lumped in grudges she had with other members of my American family. Working hard to craft a calm response, I reiterated that we'd had an honest misunderstanding, that I was trying to work with her, that I had nothing to do with these other family grudges and that I'd hate to have to send the sculpture back.
Within hours, I got her three-word reply:
Send it back.
There are formulas and rules of thumb for calculating the value of a mile or point (heck, TPG publishes a valuations list every month), but this was a tougher calculus. I did save money on lodging by staying with them ... should I just send the full amount she thinks she's owed because it would still be cheaper than a retroactive hotel stay in Tuscany?

My decision became easier as I started being cc'd on e-mails from Sara to my father and sister that mentioned my "ugly deception," without any benefit of the doubt. As much as I loved the sculpture, I knew that keeping it would mean that every time I looked at it, I'd think not of a wonderful Tuscan family adventure, but of the accusations of a crazy person. I shipped the sculpture back to Italy, and because I'm an honest person/sucker, I listed the value on the customs form as $800.
A couple months later, I saw a transfer into my bank account from Italy — for $98.23. Sara had deducted for the customs tax and also for what she perceived as the value of other gifts she'd given me. She mocked me for losing money on my "mistake," (her quotes, not mine). I was angry, but I couldn't deal with her anymore. I could spend the $98.23 on therapy.
My lessons for the traveler?
- When negotiating a price while abroad, be clear as to what currency you are using.
- Sometimes you do what you think is the right thing and it still sucks.
I hope I'll visit my Tuscan family again. I want to meet Sara's grandchildren and pay my respects at Giovanni's grave.
But I certainly won't expect to stay for free.
Ever had a misunderstanding about the price/currency of a purchase while traveling abroad? We'd love to hear your stories — and their resolutions — in the comments below.
[card card-name='Barclaycard Arrival™ World MasterCard®' card-id='22089566' type='javascript' bullet-id='1']
TPG featured card
Rewards
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rewards Rate
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro Offer
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app

