Using a debit card is safer than carrying cash and more convenient than writing checks. That's especially true when traveling. Following some simple guidelines will help insure a safe, worry-free trip. Keep your bank informed.
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While you're traveling:
Have multiple payment options. Keep an alternate form of payment in a different bag in case your wallet is lost or stolen. ...
Credit cards typically provide better exchange rates than what you'll get from ATM machines and currency stands. Depending on your card issuer, your purchases might automatically qualify for insurance. This coverage doesn't simply apply to consumer goods — it also covers travel delays and lost luggage.
While credit cards are accepted in most situations, currency can be more convenient for public transportation and small vendors. It's also wise to carry an emergency fund with enough cash for a few days, just in case your card gets lost or stolen.
Notify your bank before using a credit or debit card when traveling. Banks do whatever they can to protect you from identity theft. But if you're not careful, your bank's eagerness could backfire when you travel.
You may think you need a credit card to purchase an airline ticket. But a debit or prepaid card will work just as well. And your options may even expand to cash and checks if you book your flight through a travel agent or if you purchase your ticket at an airport ticket counter.
While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.