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Credit Cards!!!!

Travel Forums General Talk Credit Cards!!!!

1. Posted by ollyrules (Inactive 13 posts) 11y

Hi there,

I am 20 years old, and will be setting off on my gap year in November. I have read various books and stuff, and alot of them suggest to take a credit card with you. Is it essential, and which is the best one to take??? Should I take more than one, and do people rely on them, if they haven't got enough money to pay for things????

However, i'm am not sure how i will be able to obtain a credit card, as I am quite young and won't have a job!!!!!

Im very confused!!!!!!

Thanks

Holly :)

2. Posted by AlexT (Respected Member 245 posts) 11y

I wouldnt say that you will definately need one but it may come in handy in case of emergencies... If you get one I would say visa is the most widely accepted... as you wont have a job, the only real way that you can get a credit card is to have your parents get you a card on their account... however, they may be reluctant to do this because if you go on a ridiculous spending spree, they are liable... I travel a fair bit and I have never had a credit card with me till the last year or so and found that I did not use it all that much. It was quite good towards the end of a trip when money was scarce but apart from that it was not all that necessary...

3. Posted by Peter (Admin 5789 posts) 11y

Hey Holly,

You could also try to get a visa/mastercard debit card. They won't give you any extra funds, but also will be a lot easier to get and won't have any interest charges (because you won't be borrowing money). Other than that, they operate exactly the same as a credit card.

4. Posted by magykal1 (Travel Guru 2026 posts) 11y

Thing about a credit card is (at least from UK), you have to pay a withdrawal fee, a currency conversion fee, AND a higher interest rate for cash advances - so debit cards are probably a better bet if you have the funds - though I speak as one who funds travel with credit cards with wild abandon.

5. Posted by AlexT (Respected Member 245 posts) 11y

thats true so if you are taking a credit card you should only be using the card for purchases rather than for the purpose of cash advances because also, as I understand it, the cash advances are always the last thing to get payed off your card so you can rack up heaps of interest...