7 tips for using credit cards while traveling Part 2

A plastic bag to carry your belongings in while you ski would be ideal. Here are seven methods that you can start using immediately, plus some additional suggestions.

The third is to be frugal.
It's easy to spend more than you intended to while on vacation if you're not careful. However, outstanding balances must be paid in full by the due date shown on your monthly statement.

Make a plan for how much money you want to spend on your trip before you leave, and stick to it religiously. You can always make adjustments as you go, but it helps to have a rough idea of how much you want to spend in the beginning. That way, when you get your bill at home, you won't be shocked by the amount.

Cap ATM surcharges
It's always a good idea to bring some cash with you when traveling, both for unexpected expenses and to use at shops that only accept the local currency.

It's possible that if you travel to a new place, you won't be able to use your debit card at an ATM that is part of your bank's withdrawal network. It's not uncommon to incur fees of $5 or $6 each time you use an ATM outside of your network's jurisdiction. It's a good idea to contact your bank ahead of time to see if you qualify for a refund of ATM fees, even if you incurred them while traveling internationally.

Fifth, maintain vigilance
The best vacations involve a departure from the norm.

Keep an eye out for skimming devices before using ATMs in unfamiliar locations, advises Velasquez.

In the same way you would at any other time, you should assess your immediate environment with an eye toward your physical and financial security. Velasquez adds that keeping your valuables close at hand by using a money belt or a travel purse can also make your time out and about more convenient.

Credit cards should be used instead of debit cards whenever possible. You're safer now, Velasquez assures you. Also, instead of disputing actual cash, you're dealing with a credit line.

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