Hi...I am new here and hopefully someone will benefit from this info. I was always upset the way the CDN credit card companies would calculate exchange rates. One day I was at Target in Bellingham WA and they asked if I would like a Target VISA card. I said no because I was Canadian...they said no problem. 10 Minutes later I had a true US Visa Card that billed to my Canadian address. Now when I purchase something I can decide when to buy the US funds to pay it off. The biggest advantage is I no longer have any problems with PL accepting my card. The only time it hasn't worked is with US web sites that confirm the billing address is US. Ken.
