Despite what you may have heard, you don’t need a credit card to travel. While it’s true that using a credit card while traveling has many benefits, it’s perfectly fine to set out on even a long trip with your good ol’ debit card, along with some cash. More and more consumers are relying on debit cards for all their purchases, including big ticket items like airfare, hotel accommodations, and debit card car rental. Businesses are responding to public opinion and accepting debit cards and other forms of payment for nearly everything.
While there may still be some concerns about using debit cards while traveling, like identity theft or car rentals that require credit cards. At many car rental counters, debit card car rental isn’t the standard business model. However, all of these concerns can be addressed when using your debit card. With this handy guide, you will be able to travel easily without ever using your credit cards.
Airports Accept Debit Cards
When traveling on a major airline, you don’t have to worry about needing a credit card to pay for the flight. Debit cards have become a viable option for flying these days. It is also much easier to book flights today than it was in the past using almost any payment method, including services like PayPal. All you have to do is visit the airline’s website, fill in a couple of boxes, and you’re good to go. When it comes to credit card-free travel, airlines don’t pose a problem whatsoever.
Tell Your Bank Where You’re Going
It’s always a good idea to notify your bank about your trip before you go. This is especially important if you’re leaving the country. Ask the bank about their policies for international travel, and plan for extra fees and expenses if required. See if your bank offers ATM services in the city you’re visiting, or take out some cash if ATM’s aren’t an option. You can always exchange currency if you’re in a different country. Just be sure to keep your money safe while you’re on your trip.
Guarding Against Identity Theft
It’s smart to be worried about identity theft. Nobody wants their debit card information to be stolen. But if you’re careful with your debit card, identity theft becomes less of a threat to your trip. You should always inform your bank when and where you’re traveling. They may assume that your debit card was stolen if they notice any mysterious activity in other countries, and they may freeze your card. Make sure the bank knows you’re the one who’s spending your money in Iceland, for instance, if you’re from Los Angeles. If you’re still worried about debit card theft, look into identity theft insurance and bank policies for improper charges on your card. Most banks and credit unions will refund money to debit card users with improper charges on their account.
Paying for Hotels
It’s easy to use a debit card when paying for hotel rooms. Again, it’s all about planning ahead. Before heading out, always make sure you have enough money in your debit account to cover your hotel expenses. You may even want to save some extra money just for this purpose. Sometimes, a hotel will place a hold on your account in case you need to pay expenses for damages, or you extend your stay after checking in. Figure out the hotel’s policy on holds before your trip. Planning for unexpected expenses is very important when traveling, so always plan ahead.
How To Find Debit Card Car Rental
Are debit cards a viable option for rental cars? It depends. Like hotels, most car rental companies now accept debit cards along with their usual credit card rentals. They anticipate expenses by placing a hold on your debit card account. Ask your car rental company if they take debit cards, or what kind of holds they’ll place on your account. If a rental car company refuses to accept a debit card, or place too large a hold on your card to place a rental, it should be easy to find an alternate debit card car rental company. Like most travel arrangements, planning ahead can save you time, money, and aggravation at the checkout counter.