Can't I just use my credit card for purchases?

Credit cards are convenient, however; many small businesses may not accept them. European countries generally operate on a cash basis. Just as you require US Dollars for domestic travel, you need foreign currency for cabs, tips and buses. Depending on where you're going, there may be a great many bank machines that will accept your bankcard. However, you should be aware of some clear disadvantages in using your bankcard abroad.

• You cannot always be certain that you will find a bank machine that accepts your card.
• You may be charged excessive network access fees and exchange rates.
• If your card is lost or stolen, you cannot replace it until you return home.
• Most Credit Card companies are hitting you with an average surcharge of 1%. Now, some banks are adding additional 2% surcharges on all overseas transactions. Your overseas trip could exceed your budget by a hidden 3% and you may never know it.