Use a international credit card It is a practical and safe way to make purchases abroad.
It offers flexibility, security, and can even generate profits. However, it's essential to understand how to use it correctly.
In this article, we will explore the main Advantages of an international credit card and how to use it safely and efficiently during your travels.
What is an international credit card?
A international credit card It is a financial tool that allows you to make purchases in other countries, either in physical stores or online.
Unlike national cards, it is accepted in establishments in various countries and can be used in different currencies, facilitating international transactions.
Furthermore, it is widely accepted on streaming platforms, delivery apps, hotel bookings and airline tickets, offering the convenience of not having to exchange cash.
This allows users to better manage their expenses, keeping everything centralized in a single payment method.
Advantages of an international credit card
Ease of international purchases
You can make purchases on foreign websites or in physical stores abroad without needing to exchange money. This convenience is especially useful in emergency situations and ensures greater ease of use.
Automatic currency conversion
The purchase price is automatically converted to the currency of the country you are in, using the exchange rate on the day of the transaction. This eliminates the need to calculate values manually and simplifies financial planning.
Safety and security
International credit cards feature advanced security systems, such as SMS authentication, biometrics, and immediate blocking in case of loss or theft. Many also offer travel insurance and fraud protection, providing greater peace of mind.
Accumulation of points and miles
Some cards allow you to accumulate points or miles with every purchase. These points can be redeemed for airline tickets, accommodations, products, or services, turning your expenses into real benefits.
Expense control through the app
You can monitor your spending in real time through your bank's app. This makes financial planning easier and helps you avoid surprises on your statement.
How to use your international credit card safely abroad
Notify your bank about the trip
Before you travel, inform your bank to prevent your purchases from being blocked due to suspected fraud. Many banks offer this option directly in their app.
Pay attention to the rates and taxes
When using your international card, the Financial Transactions Tax (IOF) applies, which is currently 6.38% for international purchases. Knowing this rate is essential to avoid surprises.
Use the card only at trusted establishments
Avoid using your card in places that don't offer security. Always opt for reputable establishments or secure payment platforms.
Monitor your transactions in real time
Use your bank's app to monitor your spending. If you notice any suspicious charges, contact support immediately.
Tips for saving money using an international credit card
- He prefers to pay in the local currency when making purchases.
- Take advantage of mileage or points promotions offered by your bank.
- Know your card's credit limit to avoid surprises.
- Avoid splitting international purchases, as interest rates can be high.
- Use your card at reputable places.
- Keep your card protected at all times and do not share the data with third parties.
Enjoy your international credit card responsibly.
A international credit card It's a powerful tool for frequent travelers or those who want to shop on foreign websites. However, it's crucial to use it responsibly, avoiding debt and keeping your spending under control. Always remember to check your statement, plan your payments, and enjoy the benefits safely.