How should I pay my expenses in dollars abroad: bill or card

For Gustavo Quintana, from PR Operadores de Cambio, “everything depends on the limits that the traveler has on the card, which are referred to in pesos and what date do card issuers take to apply the exchange rate to consumption in dollars”. However, he considers that, if the blue continues to rise at the current rate, it would seem that it would be convenient to use the card and speculate on the rise in the bill when paying in pesos.

Key element: the price of dollars

Regarding this last point, the economist from Epyca Consultores Joel Lupieri believes that, “currently, the value of the so-called Qatar dollar, taking into account the total disbursement that would have to be made as a result of the taxes and advances that it has (earnings and personal assets ), is above the value of the MEP ($357.29) and the CCL ($369.25)”.

Consequently, he considers that, “It would be convenient for an average person, at least for now, to pay their card expenses in dollars and buy them in the stock market to do so”.

Another central point: take into account the projection

For the economist Federico Glustein, for his part, “spending credit implies for the traveler a reference loss. Why? It happens that, given that the dollar, the value applied to that type of dollar is quoted at the closing price and, taking into account that the dollar depreciates at 6% per month, he anticipates that “the full tourist dollar would be approximately $410 at the end of the month for example”.

Consequently, according to his vision, the best thing would be spend the quota of u$s300 monthly with debit until the maximum accepted for the card dollar is covered and, once that limit is passed, evaluate the quote.

And that is a fluctuating element. “Since the control, or monitoring capacity, that the user has over the price is greater in the Dolar blue (ticket) that, in the digital, then, if there is little difference in value, the blue may be appropriate, ”he warns.

The MEP dollar, an alternative route

Although it does not rule out the option of access the MEP dollar for those who can, which is even better priced, and would work as a positive guarantee for the value of the currency, and transfer the purchased dollars to the accounts to spend with debit.

Thus, in a similar vein, the economist Christian Buteler recommends pay by card and use the method to cancel the summary that the user considers most convenient at the time of doing so. “If you already have the pesos and you want to buy the dollars in advance, it is best to do it at the MEP for the price, and thus, the person already has the dollars in hand.”

Once positioned in US currency, what can be done is to cancel with those same dollars if the green ticket at the official price, plus the taxes applied to card expenses abroad, is more expensive than the MEP. Otherwise, it is best to pay with pesos, and sell those dollars in the market, according to your view.