4 ms·The only time I have a hard time using it is in mom & pop shops. This isn't really an inconvenience to me.by lrm242 16y agoThe only time I have a hard time using it is in mom & pop shops. This isn't really an inconvenience to me.btilly 16y agoHave you traveled through Europe lately?lrm242 16y agoNo, but in Australia I routinely had my Visa and MC turned away along with my Amex. Who cares? I don't live in Europe or Australia.