Before leaving, holidaymakers should verify the validity of the credit card, the amount of the set limits and whether the card is not blocked for some areas of the world. It is ideal to travel with two types of credit cards, debit and credit, A lawyer of the Institute of Alternative Sylvia Datelinková Banking Association warned the Institute of Institute.
“Credit card is ideal for non -cash payments (in stores or online), often serves as a guarantee for bookings (such as a hotel rental, vehicle). The advantage is the interest -free period if you repay the debt on time. ATM,“The Ďatelinková approached.
The credit card is not only a convenient but also a safe method of payment. In addition, many credit cards also bring interesting additional benefits, such as travel insurance, abuse insurance, cashback remuneration, and the possibility of keeping an account free of charge when set out. However, the expert recommends setting up free notifications about your account movements and notifying your bank’s contact for the purpose of blocking or reporting a credit card loss.
For payments and selections abroad, holidaymakers should choose the option without conversion, ie payment on local currency. Otherwise, according to the expert, they risk a disadvantageous course, which is determined by the operator of the terminal or ATM.
Datelink also drew attention to the possibility of misuse of the credit card. Therefore, when withdrawing from an ATM, it is necessary to cover the PIN, withdraw the money in safe places and not let the card from the eyes when paying. “Do not log in to internet banking via unsecured wifi. Prefer data roaming or paid secure internet connection in the hotel“She added.
Traveling to areas with limited acceptance of credit cards may be a problem. Then it is advisable to carry cash in the worldwide trademable currency, such as the US dollar or the euro. The most advantageous way to get a local currency is the withdrawal with a debit card directly in the holiday destination, preferably from a partner bank ATM. It is advisable to withdraw cash in one time, at busy places and in the amount you plan to spend.
