Debit And Credit Cards When travelling
My first time overseas, I had to exchange money in $200 of travelers checks to pay a mountaineering guide who hadn’t heard of American Express. The bank charged me $8. During the same trip, I used my debit card at an ATM to get $200 from my checking account. two times home, I saw that the charge for this was two dollar, and that was the last time I used traveler’s checks.
When an Automated Teller Machine (ATM) won’t take two of the cards for some reason – and this will happen – I use the other card, which usually works fine. Credit cards may be less trouble than debit cards. Your liability could be zero on your stolen debit card, but you probably won’t have access to your account until the matter is sorted out.
I usually carryover a debit card and a credit card when I travel now. I keep them well-hidden in two separate places. If they are stolen, which has never happened yet, they’ve either zero liability, or a fifty dollar liability limit for any unauthorized charges. Ask your bank or credit card company about this.
Of work, on longer trips it is a hassle to pay the...
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