💳 MONEY & CREDIT CARDS:

• Notify your bank and credit-card companies before international travel when required.
• Carry at least two payment methods.
• Don’t keep all of your cards in the same place.
• Keep a small amount of emergency cash separate from your wallet.
• Know whether your destination primarily uses cash, cards, or both.
• Check foreign transaction fees on your credit cards.
• A card with no foreign transaction fee can save money overseas.
• Don’t exchange a large amount of money at the airport unless necessary.
• Compare exchange rates before exchanging currency.
• Let your credit-card company know where you’ll be traveling if their system requires it.
• Keep a record of your card numbers somewhere secure.
• Know how to contact your card issuer from outside the country.
• Don’t carry all your cash with you at once.
• Use ATMs located inside banks or reputable businesses when possible.
• Be careful with unfamiliar ATMs.
• Always check the currency before approving a transaction.
• Watch for dynamic currency conversion when using cards overseas.
• When given the choice, paying in the local currency is often preferable to accepting a merchant’s conversion.
• Keep receipts for major purchases until you return home.
• Have a backup payment method in case your primary card doesn’t work.