My credit cards have the same meaning as my passport for me to travel. Perhaps a greater one, because in some countries, I can enter without a pass. Without credit, but nothing works.
I do not think much of debit cards when traveling. I have a case, but they almost never put a. I can pay with it almost never and at ATMs they often bring me nothing. Especially not the EC cards with the V-Pay icon. The useless abroad.
So I take always back on my credit cards. This brings me almost always of cash. I have a first card, which I almost always insets. If they strike again, I use my second card.
My main credit card
Among travelers a credit card is especially popular: the VISA Card Deutsche Kreditbank (DKB). I use this card since 2007 and am therefore always been satisfied. At that time I needed it not for traveling, but was interested in other benefits. But today she is on the move very useful for me.
The advantages of the DKB card (not just for travelers)
The credit card is free. There are no one-off or annual fees.
If you lose the card or destroy, you will receive further ado a new credit card. So far, free, from 2014 for 10 euros – still okay!
You can charge the credit card account with a balance. This is subject to interest (currently 0.7%). You should ensure that you only zehrst of your credit (and not by your credit limit), otherwise you pay MRP-interest at the rate of 7.9% and we do not want!
The credit is always fully available. This makes it similar to a money market account. The charging is done easily via bank transfer from any bank account.
For credit card, there is a checking account to do so. This is also free.
You can just apply online The VISA card.
All this is pretty good for a credit card. But why is the DKB credit card so popular just with travelers?
Bank fees will be refunded
With the DKB VISA card you can withdraw money free of charge worldwide. You pay no fees. For this we need to distinguish two types of fees:
1. Fees of own bank: If you’re using a credit card abroad and thus, for example, money abhebst, your bank may charge for this is usually a fee. When DKB there is no such fee.
2. Regardless of whether your bank charges a fee: Common foreign banks charge a fee for each withdrawal. In Thailand 150 baht are calculated for each withdrawal, which is almost four euros! In Mexico, the amount varies depending on the bank between 20 and 40 pesos, which are from 1.20 to 1.40 euros.
These charges are a flat rate applicable – no matter how much money you abhebst. To save fees, so you’d have to almost always take off large amounts. But you want at any time carry a lot of cash by Mexico? Not me!
If you put the DKB credit card, these fees are also charged initially, because the DKB has no influence. But you can let you reimburse the fees!