Now that summer’s here you may be getting ready for that long awaited European vacation. Have you checked to be sure you have the right travel credit card? Although using credit cards are best when you travel, you need to be sure you’ve selected the best credit card for overseas use.
If you’re getting ready to travel, you need to take care of a few matters regarding your credit card before you leave. You should check with your credit card issuer about fees or charges when using the card outside of the U.S. Many of the financial institutions charge additional fees for foreign transactions, such as three percent when converted to U.S. dollars.
It is recommended that while you have your bank on the line, you advise them of the dates you’ll be traveling and the countries you will be in. If they don’t know you’re out of the country and start getting charges from Paris, they may cancel your account until you contact them.
You should take credit cards from two banks. If there’s a problem and one bank cancels your credit card while you’re traveling, if the two cards are from the same institution they would cancel both. The second card could just be a back-up. It’s best to use just one credit card as it’s easier to keep track of your spending.
Seasoned travelers recommend when vacationing in Europe, you use a debit card for getting local currency. Cash machines are common throughout Europe and you can go to any ATM machine and get cash back. The drawback with this is that there are quite often limits of the amount of cash you can withdraw at one time. You may also want to set-up with your financial institution in advance, a daily allowance of the amount of cash that can be withdrawn from your debit card just in case it is lost or stolen.
With the debit card, there is a fee for each transaction. So you wouldn’t want to use the debit credit card in place of a credit card as you might do here in the U.S., as each charge would generate an added fee. You can keep the debit card just to replenish your cash. It is suggested you have enough cash on hand, as there are times when a credit card sign is posted at the door at say a restaurant, but when the bill comes they don’t accept that card.
Use caution while traveling of being too liberal when using your credit card number. Keep your travel credit cards and your debit credit card in a safe place. Keep all receipts so that you can verify the charges upon your return. Maintain your pin number in a safe place. Be sure you have the financial institution’s phone numbers just in case you lose your credit card.
Now that you have your travel credit card and debit card information, it’s time to make those final plans and start packing. Oh, ……and don’t forget to take lots of pictures and have fun!
If you are looking to spend an extended amount of time in Arizona, whether it’s for business or pleasure, you should definitely consider an extended stay AZ golf resort or hotel. If you’re in town for business, staying at a golf resort will allow you to enjoy your hobby in your free time and make the trip feel less like “work.” Not to mention, it can also ease those pangs of missing home and the ones you love and help the work days go by a lot less painfully. When you know you have something fun and exciting to do after a hard day’s work, it makes work a lot more rewarding.
If your trip is solely for pleasure, an extended stay golf resort offers a great vacation option for you and even your family. Whether you all are experienced or novice golfers, you’ll find courses for all levels of expertise at most resorts. What’s even better is that you can play at your own comfort and skill level and at your own leisurely pace. After all, extended stay golf resorts are all about relaxation and fun. Find a place that you and your family would enjoy to stay at with many activities you can enjoy together.
Most extended stay AZ golf hotels and resorts offer reasonable rates on package deals for golf games plus boarding and accommodations as well as a wide range of other activities and perks. There are usually lavish spa treatments available to treat yourself to as well as delicious food to sink your teeth into and options to enjoy a bit of nightlife as well. The great thing about these types of resorts is that you can play all day and then usually not have to go very far to find something to do at night that you enjoy. And if you’d prefer to retire to your room after a fun day of golfing, that’s ok too. The rooms are usually comfortable and very homey, truly making you feel like you’re in your heavenly home away from home.
Whether it’s for business or pleasure, AZ extended stay golf resorts offer the right amount of fun and relaxation to provide you with a very cozy extended stay. Relax at a golf resort for as long as you want with the feeling of being at home as well. Enjoy a vacation in an Arizona gold resort with your family.
Are you planning to go to Tenerife next summer holiday? If you want to go to this beautiful island, you need to plan the attractions you want to visit carefully. There are so many amazing tourist destinations in Tenerife, so if your time is limited, you might not be able to visit all of them.
Besides choosing the attractions you want to visit, you also need to choose the best vacation rental Tenerife for you to stay. If you are not really used to with heat, walking in Tenerife can be really exhausting. Even though it is your reason to come here, going from one place to another under the sun can really drain your energy. This is why choosing a nice place to rest is a must to help you recharge your stamina for your adventures in the next days.
If you want to dive and witness the island’s exquisite marine life, you can go to Las Galletas or Los Gigantos. You can also surf in those areas but it is actually better to go surf around March or April instead of in summer because those two months have the best waves.
If the water bores you and you prefer to go on another type of adventure, you can go to Loro Parque. It is the oldest and also the most popular theme park in Tenerife. This place has the biggest collection of parrots in the world and you certainly will see something very interesting in this place.
Besides parrots, you can also see various other unique animals in this Jurassic Park themed environment, such as dolphins and sea lions. But if you prefer to visit a theme park where you can play around and challenge your adrenaline, Siam theme park might be a better option. Those places are great for both children and adults so you definitely should go there if you take a vacation with your family.
As you make travel plans this summer, be sure to pack the plastic. Credit cards are a convenient tool to finance your trip. To make the most of them, it’s best to keep a few factors in mind. Here’s what you need to know before you go.
As you prepare for the trip, take a look at the credit cards you have. If you plan to travel abroad, consider carrying cards that are widely accepted, such as Visa or MasterCard. Taking along two credit cards is wise; this way, if one of the cards is not accepted, you have a backup.
Most credit card companies and issuers charge fees for international purchases. This expense, which covers the fees incurred for currency conversion, is usually 2-3% of the purchase amount. To find out how much you will be charged, call your credit card company and ask before you leave. In most cases, the fees you will have to pay will be less than what you would spend exchanging dollars or cashing in traveler’s checks. This is because when you use a credit card, you usually receive the best exchange rate available.
A common problem for those traveling abroad involves purchases being blocked. This occurs because the international activity sets off a fraud alarm. For your safety, the credit card company does not allow the transaction. To avoid this potential dilemma, inform the company of your travel plans before you leave. They can make a note on your account that allows foreign transactions to go through.
Finally, before you travel, send an email to yourself. Include the toll-free number for customer service at the credit card company. This way, if the card gets lost or stolen, you can access your email and call the company immediately to stop any account activity. Be a Smart Traveler Even after proper planning, you will still want to be careful when traveling with credit cards. Make sure all purchase transactions are done in your presence. Most restaurants and hotels will process the card in a public place in order to avoid fraudulent activity. Pay with cash if you have any doubts.
If the credit card transaction does not go through, call the company right away. Occasionally, a purchase will be blocked for security reasons, even after informing the company of your trip. If you speak with a representative, the hold can be released on the card. This can be done within a few minutes, allowing you to make the purchase.
Should your card get lost or stolen, report it immediately. You will only be responsible for up to $50 in unauthorized purchases. In some cases, you won’t have to pay anything.
If you need to, you can use the credit card for cash advances. But remember that fees for these transactions can add up fast. If you will be unable to pay off the advance quickly, you may want to look into a different plan.
By preparing properly and taking safety precautions, you can travel easily with a credit card. They are more convenient than traveler’s checks. And they offer you more protection than cash, which disappears if it gets stolen. By using a credit card, you can enjoy the many benefits of carrying plastic on your trip.
Rewards credit cards reward cardholders for using the card. In essence, the issuer offers you a financial incentive to buy and use them. The incentive is offered in terms of rebates, store discounts, points that can be redeemed for specific purposes and airline flyer miles.
Choosing the rewards credit card that offers the rewards best suited to your needs is using your credit and your finances optimally.
Frequent Flyer Miles
It makes good sense for frequent air travelers to use a reward credit card that offers frequent flyer miles as a reward. These credit cards offer you points based on the amount of money you spend and the amount of airline miles you may purchase using that card. The best rewards credit cards offer you bonus points after initial purchases. If you have good credit, you can easily get a rewards credit card with a 0% introductory APR.
Cash Back Rewards
Cash back rewards give you bonus cash each time you use the rewards credit card at supermarkets, gas stations, etc. That way your rewards credit card gives you the option to spend the money as you please. The best rewards credit cards give up to 5% cash back and a 0% APR for up to 12 months. And to qualify for this type of card offer, you’ll need to have pretty good credit.
Some rewards credit cards give you the benefit of choice. You can choose either frequent flyer miles or cash back depending on your preference.
The very best rewards credit cards give you up to 6% back on purchases and gas rebates. But those offers are few and far between. Very good travel insurance, accident insurance and auto rental insurance are some of the other perks you can expect.
Entertainment Focused Rewards Credit Cards
Some credit cards cater to people who frequent movie halls, restaurants and generally go out a lot. Special offers and promotions are also offered to the owners of these rewards credit cards. Backstage passes, free music downloads and guest benefits are only some of the ways owners of this type of rewards credit card will benefit.
When applying for rewards credit cards remember that the best rewards credit cards are unique for each individual. Remember to take into account carrying costs of the card as well as details like the method of calculating interest. With the right homework and the right rewards credit card you may find yourself being able to take that perfect vacation…