Vacations and holidays are the perfect time for traveling, shopping and spending money on pleasant things. That is why it is good to have a credit card, which allows you to spend some money up to a certain limit in order to make your dreams come true.
If you still do not have a credit card at all, you may be interested in checking effectify.com to get one. If you do, it is a good idea to check your balance from time to time, and keep your credit card safe. Let us reveal 7 tips on how to use your credit card while you are on holidays.
Inform card issuers that you are going to travel
There is always a chance that your credit may not be accepted, and the last thing you want is to experience it while you are traveling so let your card issuer know about your summer plans. What is more, ask to set a certain daily limit for you so as not to spend too much.
Look for perks
A lot of credit cards have a system of perks and rewards, so that check them before you set off on a trip, as you can get discounts on car renting, tickets free medical insurance etc.
Do not put all eggs into one basket
This saying is a good reminder not to hold all your credit cards in one place: if some are lost or stolen, you can always use other cards in your possession.
Choose one due date for all your cards
A lot of cardholders call their providers and ask them to put a due date on the same day for all their credit cards. It saves their time and prevents stressful situations.
Limit ATM fees
If you use ATMs, which are not related to your card issuer, you may be asked to pay certain fees, which sometimes are quite substantial. That is why it is much better to search for the “native” ATM before setting off on a journey.
It is much better to travel with a plenty of credit cards than with a plenty of cash. If you lose your credit card or somebody steals it, you can save your money. If your cash is lost, it is lost forever.
Do not forget your smartphone
There are a lot of ways to check the balance on your credit cards, but the safest way is to check it with the help of your smartphone rather than with the computer in public places.
We hope these tips will be of help to you. Have a safe journey!