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Recreation
When you go to the grocery store, you are casually asked whether you want to bag your items in paper or plastic. Then you make the decision whether to pay with paper (cash) or plastic (debit or credit cards). These routine decisions probably take you less than a second to decide, but what about the vacation version of the paper or plastic option?
Typically, a credit card is your best option when traveling. If you lose the card, or it is stolen- you can make a quick phone call to your credit card company and stop your liability for fraudulant charges. Always carry the customer service phone number of your credit cards with you, in case you do lose or have the card stolen so you can quickly call and remedy the situation. It's also a good idea to travel with two credit cards, from different banks, in case of emergencies.
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When traveling internationally, a credit card is an excellent choice as you will not need to deal with exchanging your cash for the local currency. A word of caution, however, you will want to verify whether your credit card is accepted in the country to which you are traveling, as some cards are not accepted in all countries. You will also want to verify ahead of time the cost of using your card in another country, as some card lenders impose fees for purchases made in other countries. On the other hand, ATM withdrawals are often cheaper despite the cash advance fee-so you may decide to withdraw cash from a local ATM while traveling.
Even when not traveling outside the country, credit cards can make everything so much more convenient. Renting a car, getting a hotel room and dining in a restaurant are all perfect opportunities to swipe your card rather than counting out cash.
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