Do You Often Use Credit Cards or Cash When You Travel?

@mjmlagat (3171)
Philippines
October 4, 2008 6:33am CST
I think this all depends on the destination one goes, right? Whether a person uses credit cards or cash in traveling it depends on the person himself, his financial capabilities, the destination of the travel, his convenience, or what? Which do you think is more advantageous to use? Thanks for sharing Guys!
2 people like this
10 responses
@cheongyc (5075)
• Malaysia
4 Oct 08
I prefer using credit cards most of the time when I am travelling. The risk is higher if we bring a lot of cash with us while travelling. If the cash are burnt or lost, that's it. But if the credit card is damaged, we could still request for new one. If it's lost or got stolen, we could try our best to block it by calling our credit card center. Besides, by using credit card, you do not need to worry about currency exchange.
@mjmlagat (3171)
• Philippines
6 Oct 08
Ver good point! Thanks for the response!
1 person likes this
@cheongyc (5075)
• Malaysia
6 Oct 08
You are most welcome. The credit card is very convenient and I often use especially for hotel stay. Furthermore, I got a very good deal from my bank, where I have 0.5% cash rebate for all the purchase I made. It's not much though, but still better than none! It's also better than those point rewarding system. These points rewards are way too high to be achieved and they will expire in certain period of time
@thejj924 (78)
• United States
4 Oct 08
i use credit cards and a mix of cash depending on where i go because some places you can haggle better with cash hehe :D
@mjmlagat (3171)
• Philippines
6 Oct 08
thanks!
@cndn420 (2062)
• Canada
4 Oct 08
when i travel, i usually bring some cash with me along with credit cards. i don't like carrying too much cash on me as it is a higher risk of getting robbed or whatever. i usually use my credit cards to purchase things i find it a lot easier and more convenient
@mjmlagat (3171)
• Philippines
6 Oct 08
Thanks for the respose. Good day!
@maximax8 (28271)
• United Kingdom
4 Oct 08
These days I use a mixture of cash and a debit card when I travel. When I first began traveling I used traveler's checks and think found that bank charges on these were high. I know that my home country's money is not the best one to take to exchange in other countries. I have found the liked currency is the US dollar. Most countries in the word like to exchange their currency for that. I find it useful to have low value notes like $1 and $5 because they are wonderful when traveling where they are wanted in Europe euros can be used the same way. I always keep my currency and debit card in my money belt that I hid underneath my clothes.
@mjmlagat (3171)
• Philippines
6 Oct 08
Just a good way to be safe, right? Thanks for sharing and have a nice day ahead!
@di1159 (1580)
• United States
4 Oct 08
I carry some cash when I travel for things like cabfare, tips and small purchases, but I pay everything with my card. Too much cash draws a lot of attention to you and with cards, I am able to review my charges at home at my leisure and make sure everything checks out with my receipts. It also serves to back up my tax deductions in case I need to prove I paid something.
@mjmlagat (3171)
• Philippines
6 Oct 08
Okay, thanks for stopping by!
@penski (51)
• Philippines
4 Oct 08
I use both. I usually use my credit card to pay for my plane fare. For my hotel bills, I sometimes use credit cards, sometimes cash. When buying shopping things like clothes, bags and gadgets, I normally use cash. But if it's a high-priced item, I often use credit cards. Of course, it's always advisable to carry both cash and credit cards when traveling.
@mjmlagat (3171)
• Philippines
6 Oct 08
Thanks for the response, Have a nice day!
@thanujad (405)
• Sri Lanka
4 Oct 08
I totally agree with you on that. It's easier to carry the credit card than cash. But you will have to carry bit of cash too. Having worked in a credit card company I would like share this story with you. This perticular lady and her husband went to US for a holiday and while they were walking on the street a thief had grabed her hand bag and vanished. They had faught with the thief to keep the bag with them but had failed. By trying to save the bag both husband and wife has got injured and they have rushed to the hospital. They thought of contacting the Card centre only after they returned to their hotel. By the time she contacted us the thief has already withdrawn 800 US$. It was impossible because with out knowing the PIN no one can withdraw or use it. We issue a special card when people travel where they can use it at ATMs to get money. When asked this lady said that she always forgets the PIN number, therefore she had written the PIN number and kept in the casing of the card. My advice is to everyone is that you shouldn't carry the PIN number with the card. Also before doing anything else you have to contact the card centre to block it immediately.
@mjmlagat (3171)
• Philippines
6 Oct 08
The story is sad and disappointing. If one forgets his PIN all the time, he should have not inserted it in the card casing. Thanks for sharing the story with us, it's a lesson to be learned.
@mimico (3619)
• Philippines
4 Oct 08
I always use cash when I'm traveling. It's more expensive to use my credit card because the company charges a higher exchange rate. I just exchange money before the trip and pay cash for everything except maybe the hotel bill which I'll have to charge to my credit card because if I use cash then I won't have any shopping money left!
@mjmlagat (3171)
• Philippines
6 Oct 08
Okay, on charge/interest rate concern, I agree with you. But it's quite risky to bring that much cash during travel...Thanks for sharing!
• China
4 Oct 08
Hi, I think the it is more advantageous that use creditand some cash,too much cash isn't convenience to travel!
@mjmlagat (3171)
• Philippines
6 Oct 08
Yes, plus the hassle on currencies right? Thanks for the response. Have a nice day!
@applefreak (3131)
• Singapore
9 Oct 08
yes i'd say it depends on the destination. i carry credit cards and cash with me when i travel. the factors that affect my choice includes the fluctuation of the currency. there's also the consideration of fraud. if it's a big organisation like a hotel or departmental store, i feel more at ease using my credit card. otherwise i'll just stick to cash. i think credit cards are like an insurance for travelling. in case of emergency, at least we have the card to fall back on. cheers ;p