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What use is a credit card???? please help

Travel Forums Round the World Travel What use is a credit card???? please help

1. Posted by smorf (Budding Member 2 posts) 10y

Me and my two friends are going around the world for a year! leaving on the 24th of December!

two of us are keen to get a credit card as it will be easier to pay for stuff while the other one does not want to get one as she doesnt want to overspend.

is it wise to get a creditcard when away? the places we are going are OZ, New Zealand, Fiji, Thailand and India.

The friend who doesnt want to get a credit card is only coming to Oz for 6 months.

Should I persuade her? as i dont want to end up apying for her stuff on my creditcard if she gets stuck.

2. Posted by koalabear (Full Member 121 posts) 10y

Frist slap you friend in the face and wake her up, how could she not have a credit card :P

Credit card is totally the way forward, you can just put it in credit and use it like a bank card, so that your spending your own money anyway. Most banks don't charge you for using your card overseas, check that out with your bank anyway.

It's the easiest way of carrying your money. You will have a great time.

3. Posted by clny (Budding Member 10 posts) 10y

Yeah I wouldn't travel without a credit card personally. Just knowing that you have that in case you run out of money or something goes wrong is really reassuring.

4. Posted by Gelli (Travel Guru 2457 posts) 10y

You can get away without, especially if you will only be in somewhere like Australia, but its always worth having one (ideally, more than one) even if you use it just in case.

Always pay off the minimum, and ideally pay it all off each month. Ideally, put a chunk of money on your card before you go, so you you can freely use it without actually going into the "credit" facility on it. One you can pay off online/keep track of is best.

You will need a credit card if you plan to book anything online (hostels, travel, tours, flights etc), and in some places where you have to prove you have funds to enter, showing a credit card is an easy way. And of course, you can use it at ATM machines (tell the bank you will be using it abroad, or they may cut you off) and providing you keep it in a deifferent place to your ATM card, you have a backup in case of loss/theft etc of your main card.

Having said that, you need to have enough will power not to just blow the whole credit limit on shopping/booze/whatever, as many people do, as that can lead to big problems further down the line.

[ Edit: Edited at Oct 13, 2006 3:50 AM by Gelli ]

5. Posted by Superwolf (Budding Member 25 posts) 10y

You're better off getting a debit card which is exactly the same as a credit card except you're spending your own money. Credit cards are the devil.

6. Posted by Dem (Full Member 78 posts) 10y

Quoting Superwolf

You're better off getting a debit card which is exactly the same as a credit card except you're spending your own money. Credit cards are the devil.

If you manage your money disponibility on your account and don't go beyond... is way better the credit card because is much more accepted everywhere.

7. Posted by smorf (Budding Member 2 posts) 10y

Thank you everyone!
Brilliant advice!
I have printed it off and given it to my friend . . . so at least she knows the benefits of getting a credit card! whether she will get one or not is still to be decided!

8. Posted by ErwinNL (Full Member 51 posts) 10y

Id say its best to have both a debit and a credit card and even some cash dollars or travelerschecks just in case. One of them might get damaged or you might loose one or one might get robbed. The extra credit on the credit card could also be used for emergencies and is handy for making online reservations and such.

9. Posted by aharrold45 (Travel Guru 1281 posts) 10y

I think that if you are from the UK like your profile says, well a Nationwide Flex account is meant to be the best for travelling overseas with regards to the fees and charges. You probably (or your friend) probably doe not NEED a credit card, but it is very handy to have at least one probably two (one Visa and one Mastercard).

In India it wont be of much use but before you arrive, be sure to take a supply of US Cash with you in small-medium denominations (no larger than $20 notes). US Currency is very very handy there, and is far easier to find a place to change it than trying to find an ATM in a lot of places when you are running low on Rupees. I'm not sure about Fiji as I haven't been there, but you wont have any problems in Australia or New Zealand and US Dollars are really useless in both those places except for changing at a currency place or bank.

Tell your friend get a creditcard but instead of being a shop-a-holic, spend-a-holic and total idiot, get a creditcard but control yourself from using it unless it is totally necessary. By doing that she wont get in to debt, and she will have that back up incase some place doesn't accept normal debit cards but does do Creditcards when she has no cash on her.