Germany is still largely a cash-based society and credit-card use is not common. International hotel chains, high-end restaurants and car rental companies usually accept credit cards, but always make it a habit to enquire first, just to be on the safe side. Mastercard and Visa are more widely accepted, American Express and Diner's Club almost never. Avoid using your credit card for cash advances as you will be charged high fees and immediate interest. Debit cards featuring the Mastercard or Visa logos are fairly widely used. Chip-and-pin is the norm for card transactions – few places accept signatures as an alternative. ATMs are ubiquitous in towns and cities but not always in rural areas. Be wary of those not affiliated with major banks as they charge exorbitant transaction fees. ATMs do not recognise pins with more than four digits.