I will be going overseas for 3 months and I am trying to persuade my boyfriend to get a credit card to take with us.
At the moment, we have a multi access card which has our funds on it and we can use as a credit card, but I think it will be necessary to have the credit card in case of emergencies.
can anyone help me persuade him to bring one along??
or has anyone survived without it??
i would like your opinions and reasons to persuade him!!!
I would definitely take one; it's possible to survive without one but it's piece of mind in case of emergency. I couldn't have survived without mine though, as I booked several flights online and credit card was the only payment I could have used. Also, not sure what kind of trip you are going on, but if you want to stay in any nice hotels they will normally ask for a credit card. I wouldn't travel without one.
Credit cards are also the cheapest way of spending abroad in shops and restaurants etc as you don't pay any excess on it (as long as you don't take out cash with it) and if you make sure you pay it off in full any money you spent on it before the end of the month so that you dont pay interest.
Taking 3 debit, or the like cards is excessive. The credit card is the way to go. It also depends on where you are going, and how far from home. Can you make it back without a card?
Medical emergencies, family emergencies all warrant a fast necessity to get a plane ticket. Credit card helps there big time.
If you do persuade him, make sure to test it out at home first. Make sure the PIN works. Online backing or a family member can help with monitoring your statements
Enjoy the persuasion
You always need a backup for when one of your cards should fail to work for whatever reason. Recently in Vietnam, I needed extra cash for a trip to the boondocks (for a location I thought had no ATM's). Before I left I tried withdrawing quite a bit of cash, but my debit card had a maximum daily limit which I could not exceed, so I took out the credit card and made a cash withdrawal on it. I would not take a trip without both debit and credit cards - we live in a modern world, and it requires credit that's available at all times. Please remember to notify your bank and credit cards of your travel itinerary (VERY IMPORTANT!)
Credit cards are more commonly accepted in shops etc than debit cards. In some countries you may find that they are more reliable for withdrawing cash from ATMs (though only do this if you can pay off the balance quickly...).
I take a Visa and a Mastercard, as well as a Maestro debit card, and there have been occasions when I've been relieved that I had all three.
Best to take a cr card that does not charge conversion fees - Capital One is the one I use.
I think you should take the credit card if there are no charges for overseas usage otherwise take cash!
Take the plastic! They offer various different deals, i'm sure somewhere like nationw*de offers 0% commission on foreign purchases??
Examine the deals that each gives and pick one out...But you need a credit card.
I understand your trepidation. No one wants to get snowed under like the rest of the mooks, and it can be a temptation if you are not careful. There is discipline to be exercised...But a credit card can be a get out of jail free card in many situations. It is, as already mentioned, accepted widely, whille a debit card ain't! (Though the ATM feature is far more ubiquitous now than ever)
And, in my experience, airlines tend to need Credit Cards in order to complete business with you. It's just quicker to have one...
Small story...In Belize, at the time, they were not on the CIRRUS or PLUS system, so I could not access money..>But I could get an advance from my credit card....SO I took money out of a bank machine on my credit card, and then paid that balance back on my already set up online banking ten minutes later, incurring no charges and using my two systems together.
There is a way to live peacefully with the evil plastic rectangle in your wallet....Bring it.
Just be ever Vigilent
[ Edit: Edited on Aug 9, 2008, at 5:20 PM by Piecar ]