Using Your Credit Card Abroad by tuananh1080

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									Title:
Using Your Credit Card Abroad

Word Count:
517

Summary:
If you are going abroad, then using a credit card can be the safest and
most effective way of carrying currency. But what steps should you take
to make sure your card is the best one to use abroad?


Keywords:
credit cards,balance transfers,cash back,advice,purchases,news,credit
cards uk,visa,mastercard


Article Body:
If you are going abroad, then using a credit card can be the safest and
most effective way of carrying currency. But what steps should you take
to make sure your card is the best one to use abroad? Here is some advice
about how to effectively use your credit cards whilst abroad:

Pick a universal card

If you are travelling overseas, then try and pick a card that you know
will work in most countries. Taking store cards or lesser known cards can
defeat the point of bringing your card with you. Stick to widely accepted
credit types like Visa and MasterCard.

Ask about fees

Before you go away, ask your card issuer what the fees are for using your
card abroad. If you have more than one card, then take the one with the
best rates for withdrawing money and making transactions. Although you
get better exchange rates with your card, this is useless if you are
charged high fees for taking out foreign currency by your card issuer.

Carry card issuer numbers

Make sure that you have a number that you can call your card issuer on
should anything go wrong. The normal number you call is unlikely to work,
so before you go you should get their number for international calls. Ask
your card issuer about arrangements should your card be lost or stolen.

Notify your issuer

If you are going somewhere that is out of your regular routine, then it
is a good idea to notify your card issuer that you are going away. If
your card company sees your card being used in strange places, they might
suspend your account. Although you can sort this out quickly, it saves
you worries and trouble if you just let them know before you go away that
you will be using your card abroad.
Check your dates

Before you go abroad, check the expiration dates and credit limits of
your cards. You don’t want to be on holiday and not be able to enjoy
yourself because your card has expired or you have run out of credit. If
you don’t think you will have enough credit then you could get your limit
extended or take a couple of cards.

Keep all receipts

The most important thing to do when abroad is to keep all your receipts.
If you are overcharged for anything then you want to be able to prove
this, and if you keep all of your receipts you can track exactly what and
how much you have spent.

Credit is safest

Although you might think that taking an ATM card is the best idea, credit
cards are much safer as they have added security measures such as
purchase protection. Most of the time you can use your credit card in an
ATM if you need to, but you should try and charge it as much as possible
as this will save you money. If you can be disciplined with your record
keeping and plan in advance, then taking your credit card abroad will
make your spending safer and hassle free.

								
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