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1. Posted by pj1882 (Budding Member 2 posts) 11y

Hi im new to this travel forum stuff so go easy with me. I've been reading threads at this forum for a few months now and found it very good and useful in planning my trip.

I understand that a credit card is a useful fall back in case of over expenditure, but the problem is i've never had one before and do not know what would be best if i could be issued one for my travels. I have just finished Uni and have a job saving money before i fly to Sydney at the end of November, i will be out in Oz for about 7 months. Does anyone have any advice or suggestions getting a credit card and if so what types are best?

Many thanks,

Paul

2. Posted by cow25 (Budding Member 9 posts) 11y

Quoting pj1882

Hi im new to this travel forum stuff so go easy with me. I've been reading threads at this forum for a few months now and found it very good and useful in planning my trip.

I understand that a credit card is a useful fall back in case of over expenditure, but the problem is i've never had one before and do not know what would be best if i could be issued one for my travels. I have just finished Uni and have a job saving money before i fly to Sydney at the end of November, i will be out in Oz for about 7 months. Does anyone have any advice or suggestions getting a credit card and if so what types are best?

Many thanks,

Paul

Hi Paul, yeah I'm new to this forum thing too so I hope I reply correctly. You will definitely need a credit card in Australia. You can only use ccards on stuff like booking flights and stuff on the internet, as no one accepts the switch card as they do in the uk. If you think you can be disciplined enough and not use it too much then it should be okay. It's great if an emergency comes up, you never know when you need it. Visa or mastercard are the best ones to use, forget about amex or diners, some places don't accept them as their bank fees are higher.

3. Posted by cow25 (Budding Member 9 posts) 11y

Hi Paul, yeah I'm new to this forum thing too so I hope I reply correctly. You will definitely need a credit card in Australia. You can only use ccards on stuff like booking flights and stuff on the internet, as no one accepts the switch card as they do in the uk. If you think you can be disciplined enough and not use it too much then it should be okay. It's great if an emergency comes up, you never know when you need it. Visa or mastercard are the best ones to use, forget about amex or diners, some places don't accept them as their bank fees are higher.

4. Posted by cow25 (Budding Member 9 posts) 11y

i think i posted that twice cos I thought it didn't work oops.

5. Posted by james (Travel Guru 4136 posts) 11y

Credit cards are very useful whilst travelling. I'm not sure what you mean by which one "would be best", but I would try to find a card that has the following:

- no annual fee;
- a low rate of interest (well, "low" for a credit card);
- as many interest free days as possible (every credit card has a time "cycle", some of which are 55 days. This means that if you make a purchase on day 1, then pay off your outstanding balance in full by the due date, you will pay no interest.)
- paying your card off when you travel can be a pain, so make sure that you can access your account by the internet and make payments against the amount you owe that way;
- you might be able to link your card to your normal bank account, and have the minimum payment automatically credited to the account;
- on your monthly statement, you will be shown the minimum amount that you have to pay against your total outstanding balance. Some card issuers have the minimum balance set so low that you never pay off the card, so be careful here
- credit cards, when used wisely, are an excellent financial tool. But when they are used recklessly (spend too much, forget making payments, pay off only small amounts) they can get you into strife;
- most credit card will charge you a "foreign exchange conversion fee" on amounts that you spend in foreign countries.
- Visa and Mastercard are more readily accepted than American Express or Diners.

Hope this helps.

6. Posted by sinky (Budding Member 19 posts) 11y

Hey been travelling 3 months - not hit OZ yet. Rely on c/c... If you can check your account and put your c/c into credit (transfer money into it)- well worth it - you can take out money at ATMS with no charge. I am with AIB (allied Irish bank) so dont get charged if card is in credit when bill comes in - which I can check over net. Where my friend is HSBC and she gets charged each foreign transaction... So check your bank-v. important!!!