North Dakota, Fargo - Report by Lily. Today, we will give information about 11 credit card tips for travel international .
you are traveling abroad this year?
the chances are that if your year abroad you will run your money through debit cards and credit cards. I travel after more than 25 years around the world arrived with 11 Tips for the use of credit cards and debit cards international on the road.
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| image via ClarkHoward.com |
1. choose you your cards with intent
before a trip, you need to research the company that contains your card, and learn their international policies. Many cards are as high as 4% foreign transaction fee, that is, you lose an additional 4 cents on every dollar you spend.
for a list of the best credit cards with travel check out this post to NerdWallet.com
make travel with more than one card and keep your cards in different places. If a card is lost or stolen you cancel and you move to your second card, which means that you are never without access to money.
also you should your cards as soon as possible call
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| to international phone numbers in a safe place so that you can draw pickpockets in Paris |
is the best way , to access money when you travel abroad with your debit card. With a debit card will you deter you should only use overspending, but you make money. Debit cards are very easy to clone, and if your card is used fraudulently, it can take, on your account get credited back money. Do not use your debit card for purchases - either purchase with cash or with credit card.
use at best an ATM that requires to go inside the Bank, since it's much less likely, attached a skimmer, so thieves to clone to steal your card and your money.
if the ATM eats your card and you are in the Bank or a Bank ATM bank's times is much easier to have fixed the situation. A friend of mine had a few years back her debit card eaten by a computer in Paris the night before their tour left for Spain. She had no money and no card to take.
banks fee schedules are very different, so you find out ahead of time what your bank charges have. My Bank has a ridiculous list of fees for international transactions, so I my Credit Union ATM card use. You find may be useful, open an account with a different FINANCIL Goeldi only for trips abroad.
6 pulling back the maximum
there are fees at any time, if you a withdrawal from a cash machine. One network transactions, for the use of your card abroad and the Bank whose ATM you are using. You can lessen the hit you take the maximum through the withdrawal - take once every 5 days instead of retreat $500 $100 every day.
7 using a debit card, to your main account is linked.
that most of us have payments that beyond our bank account via ACH. Withdrawing the accidentally to much money, or even worse, with your debit card cloned or stolen leave you with a series of Bank fines for mortgage payment not traverses, car payments, not processed, etc. Instead, you have only linked debit cards, which are but not link to your main accounts travel accounts.
once again not, if your debit card is cloned or stolen, you would have to spread your money on two accounts. In this way, you minimize the damage and also make sure that you access to money
9 tell your bank where you are going (and bring back cards)
your bank must be notified that you are traveling abroad, and they usually want to know exactly which countries are you are and in which days. In most cases this works fine, but sometimes they did something wrong. Again, I have friends cards were exposed by your bank at home even if they informed the Bank that they were on the way. Have a backup card, in the event that this happens, and make sure you have call an international number to your bank if Dre is a problem.
10 spend like A local
some dealers will give you the opportunity, items in your home currency, rather than in theirs, which is also known as "dynamic currency conversion". This is a more expensive option.
you can get always a better exchange rate by your bank or credit card company as you through local dealers are. You alert pay is still the same transaction charges at home regardless of whether the purchase, in local currency, or in your home currency
just because you are on vacation, let not the hat when it comes to fraud. In fact, you should be aware.
not accessing online banking from public Wi-Fi - you'd be amazed how many people to do! If you need to verify balances on your accounts at your bank use phone banking instead.
not the ATM without receipt and your card to leave. Some ATMs will keep your card until the transaction is completed.
do not keep all your tickets together - they are divided among different bags.
do everything at home is in your wallet - take a separate travel wallet, only the cards and the information you need. If you your wallet thieves to restrict access to information about you lose.
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