I consider using credit cards or debit cards to pay for restaurants, shopping, or the hotel room as lunacy. I only will trust an ATM machine, and I am not sure I trust them.
If I had one problem on my debit card and needed to clear it up with the company, I would be S--hit out of luck. Coordinating any type of bank transactions while overseas is such a burden that the only easy solution is to cancel the card. Then what do I do for money, I cannot afford even the smallest of transaction problems, it is a calamity.
My friend just asks me if I knew how many times he had a problem with payments on the card because of travel. He said, “One time.”
What can I say, “I have zero.” And I have traveler continuously for over 10 years.
I have lost cards, ATM machines have eaten cards, and I have had problem with my Hosting Company over billings. However, I never use the card in a restaurant, therefore I never have problems. I know one thing, credit cards cause problems, cash is good, cash always works.
I am never sure of what type of logic or reasoning to call this, however I know if I use a system that excludes restaurants, hotels, and shopping I go down to zero level of fraudulent transactions on my cards.
I do enjoy listening to people who have problems; they walk around in a semi-panic for days, trying to call their bank, trying to find a telephone, trying to find money. I have met many people with this problem on my journey. I enjoy listening to a person tell me they has problems, I know my system works, and I have the pride of knowing it works.
I on the other hand believe if I wanted to stay 100 dollar per night Hotels, my system would not work. I have zero desire to stay in 100 per night hotels so I am safe.
This post is trying to explain to the people who want to travel the planet a concept about budgets, it is not for a two-week vacation person, we know you are going to use your card and solve the problems when you go home. Although I still see using a card in a restaurant on the other side of the planet as lunacy.