Paying with Credit Cards in Spanish Stores
Credit cards are a safe, clean way of handling your money in a Spanish-speaking country. Paying with your credit card has many advantages. You don’t have to carry cash, your expenses are registered in your account, and you always have a valid receipt. Problems arise only when you go to a place that doesn’t take credit cards or that doesn’t take the one you have.
Be aware that places that take credit cards are a bit pricier than the ones that don’t. You can eat at restaurants that don’t take credit cards and have excellent food and service for a lot less money.
Banking with your credit card at an ATM in Latin America isn’t very different from the banking you do at home with your bank card. But if you want to get some cash directly from a bank with your credit card, you need to know a little bit of Spanish.
Getting cash with your credit card can take a little while because the bank must check to see whether the money you request is available. If the bank doesn’t have a direct electronic line to your credit card company, it has to phone the company to get authorization. This process takes a bit of time, so be patient. Here are some useful words to have at the ready:
server (sehr-bveer) (to serve; to be of service)
la tarjeta (lah tahr-Heh-tah) (the card)
el recibo (ehl reh-see-bvoh) (the receipt)
firmar (feer-mahr) (to sign)
la autorización (lah ahoo-toh-ree-sah-seeohn) (the authorization)
la ventanilla (lah bvehn-tah-nee-yah) (the little window)
la identificación (lah ee-dehn-tee-fee-kah-seeohn) (the identification)
In this dialog, Juan wants to pay for his purchase in a store. Here’s how he finds out whether the store accepts his credit card.
Juan:
¿Aceptan tarjetas de crédito?
ah-sehp-tahn tahr-Heh-tahs deh kreh-dee-toh
Do you take credit cards?
Storekeeper:
Con mucho gusto.
kohn moo-choh goos-toh
With pleasure.
Juan:
Aquí tiene mi tarjeta.
ah-kee teeeh-neh mee tahr-Heh-tah
Here is my card.
Storekeeper:
Un momento, ya vuelvo con su recibo.
oon moh-mehn-toh, yah bvooehl-bvoh kohn soo reh-see-bvoh
One moment, I’m coming back with your receipt.
Firme aquí, por favor.
feer-meh ah-kee, pohr fah-bvohr
Sign here, please.
Aquí tiene su tarjeta y su recibo. Gracias.
ah-kee teeeh-neh soo tahr-Heh-tah ee soo reh-see-bvoh grah-seeahs
Here’s your card and your receipt. Thank you.

Spanish Glossary
adjective
A word that describes a noun or pronoun, giving it specific attributes or characteristics.

Spanish Glossary
adverb
A word used to modify a verb, adjective, or another adverb by expressing time, place, degree, and so on. Many Spanish adverbs end in -mente.

Spanish Glossary
bartering
Giving goods or services in return for other goods and services, as opposed to the exchange of money.

Spanish Glossary
cardinal number
Any number used in counting or showing how many.

Spanish Glossary
comparative
A form of an adjective or adverb which indicates that one thing has some feature to a greater or lesser extent than the thing it is being compared to. Example: slower, more believable.

Spanish Glossary
conditional
A verb tense that expresses an action that should have, could have, or would have happened if the conditions were right.

Spanish Glossary
conjugate
To give different forms of a verb according to voice, mood, tense, number, and person. A conjugated verb is a verb that has been changed from its infinitive form to a form that agrees with the subject.

Spanish Glossary
consonant
Any of the letters b, c, d, f, g, h, j, k, l, m, n, ñ, p, q, r, s, t, v, w, x, y, z; the double letters ch, ll, and rr may also be considered consonants in Spanish.

Spanish Glossary
customs
1. The government agency in charge of collecting taxes or duties imposed on imported and/or exported goods. 2. The common social acts and conventions of a particular area.

Spanish Glossary
declare
To inform customs officials of any goods you’re carrying that may be taxable.

Spanish Glossary
definite article
Any one of the words el, la, los, or las used as adjectives to point out a specific noun.

Spanish Glossary
demonstrative adjective
An adjective that indicates or points out this, that, these, or those people, places, or things to which a speaker is referring.

Spanish Glossary
demonstrative pronoun
Replaces a demonstrative adjective and its noun.

Spanish Glossary
diminutive
1. Small. 2. A word that has been altered with a suffix to indicate a degree of smallness, often ending with -ito or -ita.

Spanish Glossary
diphthong
A complex vowel sound made by gliding from one vowel sound to the next within the same syllable.

Spanish Glossary
direct object noun
A sentence element that answers the question, Whom or what is the subject acting upon? and may refer to people, places, things, or ideas.

Spanish Glossary
direct object pronoun
Replaces a direct object noun and agrees with it in number and gender.

Spanish Glossary
duty
A tax imposed on imports, exports, or manufactured goods.

Spanish Glossary
future
Verb tense indicating an action to come.

Spanish Glossary
gerund
A verb form that ends in -ing and works like a noun. Spanish gerunds are also derived from verbs.

Spanish Glossary
haggling
Negotiations between a seller and a buyer to come to an agreement upon the price of an item for sale. The vendor typically proposes a high price while the buyer suggests a significantly lower price, and, through bartering, the two typically meet somewhere in the middle.

Spanish Glossary
imperative
A verb mood that indicates a command or request.

Spanish Glossary
imperfect
Verb tense indicating a continuing, uncompleted, customary, or simultaneous past action.

Spanish Glossary
indefinite article
Any one of the words un, una, unos, or unas used as adjectives to point out some person, place, thing, or idea, but not a specific one.

Spanish Glossary
indirect object noun
Answers the question To or for whom is the subject doing something? and refers only to people or beloved pets.

Spanish Glossary
indirect object pronoun
Replaces an indirect object noun, but is also used when the indirect object noun is mentioned.

Spanish Glossary
infinitive
The unconjugated form of a verb — dormir (to sleep), for example.

Spanish Glossary
interrogative adverb
An adverb used to ask a question.

Spanish Glossary
interrogative pronoun
A word that replaces a noun and is used to ask a question.

Spanish Glossary
market
1. (noun) In Spanish cultures, a traditional market is where vendors gather to sell their goods. Markets may be open or under a roof, and they offer a less formal shopping environment than typical supermarkets or grocery stores. Prices are usually negotiable. 2. (verb) To advertise and sell an item.

Spanish Glossary
mood
1. A characteristic of a verb that indicates the manner in which the action occurs. 2. A characteristic of a person that indicates the overall emotional state of that person.

Spanish Glossary
ordinal number
A number used to indicate order in a particular series.

Spanish Glossary
past participle
A form of a verb that expresses a completed action or a time gone by.

Spanish Glossary
possessive adjective
A word that goes before the noun that’s possessed in order to express my, your, his, her, its, our, or their.

Spanish Glossary
possessive pronoun
A word that replaces a noun and its possessive adjective and indicates ownership.

Spanish Glossary
preposition
A word that connects nouns to nouns, verbs to verbs, or verbs to nouns/pronouns and shows their relationship to one another.

Spanish Glossary
prepositional pronoun
A pronoun that serves as the object of a preposition and always follows the preposition.

Spanish Glossary
preterit
Verb tense expressing a past action or state.

Spanish Glossary
pronoun
A word that takes the place of a noun in a sentence.

Spanish Glossary
reflexive pronoun
A pronoun used in conjunction with a reflexive verb to express that an action is performed by a subject on itself.

Spanish Glossary
reflexive verb
A verb that indicates that the sentence's subject is acting upon itself. Reflexive verbs require reflexive pronouns.

Spanish Glossary
stem-changing verb
A verb that requires an internal change in the vowel before the -ar, -er, or -ir infinitive ending in all the singular and third-person plural forms of certain tenses.

Spanish Glossary
subject pronoun
A pronoun used as a subject.

Spanish Glossary
subjunctive
A grammatical mood indicating uncertainty, desire, supposition, hypothetical and theoretical situations, or impersonal opinions.

Spanish Glossary
subordinate clause
A part of a sentence containing a subject and verb that can’t stand on its own but describes something in the larger sentence.

Spanish Glossary
suffix
Letters added to the end of a word that change its meaning, give it a different grammatical function, or form a new word.

Spanish Glossary
superlative
A form of an adjective or adverb which indicates that one thing has some feature to a greater degree than anything it is being compared to. Example: greatest, most honorable

Spanish Glossary
syllable
A word or part of a word pronounced with a single sound, usually consisting of a vowel and one or more consonants.

Spanish Glossary
tilde
A mark (~) used in Spanish over an n to indicate the ny sound.

Spanish Glossary
vowel
Any of the letters a, e, i, o, and u. The letter y is never a vowel in the Spanish language, unlike its use in English.