I called CIBC and they cancelled my card. I have to 'contact my branch on Tuesday' to try and get another one. Apparently you don't get the same level of service with ATM cards that you get with Visa cards. In the meantime, I sold some stock that I have attached to another card so I should be able to get some cash soon.
Too bad... Estonia is a good place to go shopping. It is very touristy, very scandinavian but with very low prices. I just had a steak dinner and a beer for less than 10 dollars (charged to Visa).
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