Solid Advice for Using Credit Cards In Another Country

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How To Use Your Credit Card
Abroad Safely
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Travelling with credit cards

• It's easy to get confused when you look at all
  the credit card offers that have travel perks out
  there. However, if you educate yourself about
  credit cards, you won't sign up for a card with a
  high interest rate or other problematic terms.
  Read this article to learn more about credit
  cards, so that you can figure out which card best
  suits your needs.

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ShOP AROUND For The MOST ADVANTAGEOUS CARD

• A great way to keep your revolving credit card
  payments manageable is to shop around for the
  card with the most advantageous rates and perks.
  By seeking low interest offers for new cards or
  negotiating lower rates and perks with your
  existing card providers, you have the ability to
  realize substantial savings, each and every year
  with cash backs and air miles to go for your
  travels.

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Connect with your credit card provider

• Make friends with your credit card issuer. Most
  major credit card issuers have a Facebook page.
  They might offer perks for those that "friend"
  them. They also use the forum to address customer
  complaints, so it is to your advantage to add
  your credit card company to your friend list.
  This applies, even if you don't like them very
  much!

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Keep a record of your credit card numbers and
emergency contact information

• Keep a record of your unsecured credit card
  numbers and the emergency contact information of
  your various lenders. Keep your list in a safe
  place that is separate from your cards. The list
  will prove invaluable if you lose your cards or
  if they are stolen.

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Do not document your your pin number

• Do not document your password or pin number. You
  must remember the number so that others can't
  access your account. Keeping your card and the
  PIN in the same location is an open invitation to
  thieves and fraudulent people.

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Keep one Credit card with you

• Keep one low-limit card in your wallet for
  emergency expenses only. All other cards should
  be kept at the hotel safe, to avoid impulse buys
  that you can't really afford. If you need a card
  for a large purchase, you will have to knowingly
  get it from the safe and take it with you. This
  will give you extra time to think about what you
  are buying.

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Only take cash advances when you need to

• Only take cash advances from your credit card
  when you absolutely have to. The finance charges
  for cash advances are very high especially
  abroad, and very difficult to pay off. Only use
  them for situations in which you have no other
  option. But you must truly feel that you will be
  able to make considerable payments on your credit
  card, soon after.

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Check your credit card statements when you come
home

• Make sure that you pore over your credit card
  statement once you come home to make sure that
  every single charge on your bill has been
  authorized by you. Many people fail to do this
  and it is much harder to fight fraudulent charges
  after a lot of time has passed.

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