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Informative Articles

How To Keep Yourself Healthy While Traveling
Have you ever planned a trip weeks or maybe months in advance, but when the time comes to have fun, you get sick during the journey and have to spend your time alone in the hotel room? Of course, this is something that no one wants to experience....

Seven Secrets for Successful Travel
ndependent travel in Europe - Seven Secrets for Success One: Do not try to see and do too much. You may end up actually seeing very little. I think it is better to see more of fewer countries/regions and see them properly.  You may not want to...

Tips for Italy Travel
Located in Southern Europe, Italy is a peninsula extending into the central Mediterranean Sea, northeast of Tunisia. When traveling to Italy it is important to remember that you are not at home, so always be respectful and conservative. ...

Travel Will Create 144 Million New Jobs By The Year 2005!
This has in turn created one of the hottest and most lucrative business opportunities in the World! John Naisbitt, the world's leading authority on trends, defines in his book 'Global Paradox', one of today's most important trends - Travel...

Why Buy Travel Insurance?
When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety. Planning a vacation is stressful enough without having to worry about something...

 
Travelers Checks Versus Debit Cards

My first time overseas, I had to exchange cash in $200 of travelers checks to pay a mountaineering guide who hadn't heard of American Express. The bank charged me $8. During the same trip, I used my debit card at an ATM to get $200 from my checking account. Once home, I saw that the charge for this was one dollar, and that was the last time I used traveler's checks.

Debit And Credit Cards When Traveling

I usually carry a debit card and a credit card when I travel now. I keep them well-hidden in two separate places. If they are stolen, which has never happened yet, they have either zero liability, or a fifty dollar liability limit for any unauthorized charges. Ask your bank or credit card company about this.

When an Automated Teller Machine (ATM) won't take one of the cards for some reason - and this will happen - I use the other card, which usually works fine. Credit cards may be less trouble than debit cards. Your liability could be zero on your stolen debit card, but you probably won't have access to your account until the matter is sorted out.

Of course, on longer trips it's a hassle to pay the credit card bill on time, which isn't a problem with debit cards. Carry both, and on


longer trips you can wait until you're a few weeks from home to use the credit card. That way you'll get there before the bill does.

An important advantage credit and debit cards have over travelers checks, is that when you need the local currency, you'll almost always get a better exchange rate with your cards. Also, the cash you get from the local ATM will truly be accepted everywhere, something even American Express Travelers Checks can't promise.

I have nothing against American Express. Once, when I was robbed in Mexico, they quickly and curtiously replaced my stolen traveler's checks. Also, at times it is appropriate to carry money in several forms, including theirs. However, times change and ATMs are everywhere now, so my policy is : Travelers checks; don't leave home with them. You can take an American Express credit card instead.
About the Author

Steve Gillman hit the road at sixteen, and traveled the U.S. and Mexico alone at 17. Now 40, he travels with his wife Ana, whom he met in Ecuador. To read their stories, tips and travel information, visit: http://www.EverythingAboutTravel.com