Last year my bank switched from Visa to Discover and I've had nothing but problems since. The two shops on base here simply do not accept Discover. I'm concerned that when I get to the Philippines that I will face the same problem. So....has anyone had any luck with using a Discover card in the Philippines? Their website says this: I'm looking for some real life experience here....not what some business (especially a credit card company) tells me should happen. I am really only concerned with ATMs (since basically no business I deal with accepts any type of card....and those that do simply cannot understand that a debit card can be used as a credit card and refuse to run my card because it doesn't say "credit" on it.....even though it can be ran as credit ). So, do the majority of ATMs accept Discover in the Philippines/Dumaguete? What about the "new" cards with the chip and pin? I think you Europeans (and the rest of the world, because....'Muricah has to be different) have been lucky enough to have this for several years now....my bank in the US will be converting over to that type of card in 2016. I have spoke to my bank (a small local bank) about this and they are willing to give me a temporary Visa debit/credit card until the new chip and pin cards come out....which they say will resolve any acceptance problems.