Going backpacking without a credit card is like going hiking without shoes. While your debit card can prove useful in many situations, there is a reason why people use credit cards on the road as it is sometimes your only option. They are a very welcome addition to just carrying cash and you may well need one to get you out of a tight spot on more than one occasion.
Although having a credit card often comes with some costs from your bank, it is still worth it. The costs are mostly not that high, especially based on how often you use it. But when should you actually use a credit card?
As a rule you should use your debit card where possible since this is mainly a free option without any charge from your local bank (although you sometimes can get a bad exchange rate). Use your debit card instead of a credit card to take money out of an ATM. This way you’ll always have some cash on you taken by the cheapest way of withdrawal.
When you’ve used all your cash and your guesthouse or hostel tells you they only accept cash or credit card, suddenly your credit card becomes your best friend. Also when it comes to buying plane tickets for your next destinations, often a credit card is your only option. Hopefully you realize that you definitely need one. If you’ve not gotten one of yourself, it can be useful to check out the website of Mastercard since they’ve got great credit cards that are accepted the most in the world.
So to sum it up:
- Take some cash out with a debit card (or credit card if you haven’t got one)
- Pay with a debit card or use cash money where you can.
- Pay with your credit card if you don’t have cash, your debit card is not accepted or if the only option is to pay by credit card.
- Don’t lose it!