What is important for a holiday credit card?

A credit card for the vacation lets you enjoy your vacation carefree. It offers security and flexibility and not only when traveling. Withdrawing cash, paying and having your card blocked in an emergency lets you enjoy your vacation to the fullest. A travel credit card has many advantages. In addition to security and flexibility, a credit card abroad allows you to pay in the local currency without having to take a lot of cash with you.


What requirements should a credit card meet for the vacation?

credit card meet for the vacation?

When applying for a credit card for your vacation, you should consider what is important to you. Some credit cards offer extensive insurance benefits or discounts, others do not charge fees, and others are free. You will receive a free credit card without a fixed annual fee. Free of charge means that you do not have to expect fees for these transactions when withdrawing money or paying by card. Before you go on vacation, find out which services are free of charge and which costs you may have to reckon with. Of course, you should choose a credit card that is accepted as well and as often as possible.


What is the difference between debit credit cards and charge credit cards?

What is the difference between debit credit cards and charge credit cards?

There is a small but important difference between the two types of cards. With debit credit cards, the issuing bank or credit card company grants you a certain credit line. You can use this amount as you wish. Charge credit cards or prepaid credit cards provide the available credit. This credit must be paid into the card account in advance. When the amount has been used up, the card must be reloaded. Only then can you use them again. However, these credit cards are not always accepted. Many hotels and car rental companies reject these cards when booking. A debit credit card is the ideal credit card for the holiday.


Areas of application of the credit card for the holidays

credit card for the holidays

You can use your travel credit card in the following areas:

  • when booking a hotel
  • when booking a flight
  • when booking a rental car
  • to leave a deposit for the hotel or the rental car
  • for the payment of the hotel and the rental car
  • for local purchases
  • to withdraw money

The uses of a credit card for vacation are very versatile. You can use your credit card when you book your vacation. In many cases, when booking on the Internet, you will receive discounts, refunds or other discounts when paying by credit card. This applies to hotel bookings and when booking your rental car. You can book the flight and pay directly online with your travel credit card. Withdraw money abroad with your credit card. And paying in local currency is easy and secure with your credit card on vacation. You don’t have to exchange or take away too much cash. Your travel credit card offers you security and flexibility on vacation.


Benefit from special conditions for insurance from the credit card provider

credit card provider

If you lose your card, you can easily block it. However, if your cash is stolen, it will be gone and you will never get it again. But not only that, for now you are on vacation without money. Some credit cards offer insurance benefits, international travel accident insurance, comprehensive rental car insurance, transport accident insurance, shopping insurance, travel cancellation insurance or luggage insurance.


Why should you inform the bank about your stay abroad?

Why should you inform the bank about your stay abroad?

Numerous banks have blocked credit cards for use abroad. With this block, the banks ensure the deposit protection of customers. This measure is also intended to prevent misuse of the credit card abroad. Normally, travel credit cards are not blocked for other European countries, only for non-European countries. To be on the safe side, however, you should inform and ask your bank. You create transparency for your bank. Your bank knows that you will be abroad and does not have to assume that the credit card has been misused. And you can be sure that you will actually receive money on holiday or that you can pay abroad with your credit card. No bad surprises await you.