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Still Confused about Capital One Cards

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We had a Washington Mutual account that charged a 1% foreign transaction on the use of our debit card overseas, whether it was withdrawing money from an ATM or a direct purchase, such as a hotel bill. Now that Chase has taken over, the fee is 3%. So I called Capital One and talked to 3 different people in their call center. I was told that I need a debit card attached to a money market account for ATM withdrawals only; then I need another card that is an actual credit card for direct purchases. There would be no foreign transaction fees on either card. Is it correct that I need both cards? With my old Washington Mutual, I used the same debit card for ATM withdrawals as well as direct purchases.

Thanks.

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