Seven advantages of using your credit card this vacation

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A few days before the beginning of summer, the goal for most is to prepare for the holidays. It is time to think about where to go, what to do, but also how you will pay your expenses during the trip. If you are undecided between paying in cash or by card, take note of these seven advantages of using a credit card on vacation and make room for it in the suitcase.

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A shared publication of ING Spain (@ing_espana)

Travel quiet cards

You travel more relaxed

Security is one of the main advantages of using cards on vacation, because you avoid the problem of losing or having your cash stolen and being left with nothing in the middle of your trip.

The cards offer the peace of mind that, in the event of theft or loss, they have protection insurance. For your part, you just have to turn it off the moment you think you have lost it or it has been stolen.

Usually, you can turn off your card from your bank’s app and then turn it back on if you find it. With ING you just have to go to My Products> Choose the card> Configure> Off or On.

If it finally does not appear, you must notify your bank so that it can be definitively canceled and they can issue a new one. At ING you can do it right from Personal Area> Block Financial Cards, well from My Products> Choose the card> Configure> Theft or Loss. In both cases, with the request of the new one the old one is canceled.

Travel insurance card

You have different travel insurance

Most credit cards offer travel insurance when you pay for your vacation with them. In this way, you save on taking out additional travel insurance.

Generally, credit card travel insurance covers things like medical expenses, medical transfers and repatriations, travel and hospital stay expenses, loss or damage to luggage, as well as delay or cancellation of flights. . However, it is important to check the specific insurance conditions in the card contract.

Currency exchange

You avoid currency exchange

Not having to be aware of looking for exchange offices is another advantage of using the card if you travel abroad, because you don’t need to do currency exchange. This works for both credit and debit cards: you can pay in local currency and your bank will make the currency exchange.

In this sense, it is important to remember that, when paying with a card outside the euro zone, they may offer to make the payment in euros instead of in local currency. In those cases it is always better to choose the payment in local currency, since the exchange rate will be better than the one they offer you when paying in the currency of your card.

Convenience cards

They are easy and comfortable to use

Using a credit card makes it easier for you not to have to make calculations about how much cash you need each day for expenses, because you have a credit limit to spend per month.

Also, keep in mind that for the car rental or when doing check-in at the hotel You may be asked for a credit card as an additional guarantee.

Card discounts

You get discounts for paying with a credit card

Many credit cards (and some debit cards) also offer discounts and bonuses when used to pay for certain purchases or services, such as booking flights and hotels or when paying at gas stations.

In the case of ING, you can check the discounts at Shopping NARANJA, which you can take advantage of both when using your credit and debit card.

Card expenses control

You control expenses

The advantage of using the credit card on vacation is that you can control expenses and know where you have spent the money because all movements are recorded in the breakdown of the card.

In addition, you have the additional advantage that these charges will not be made until the end of the month. And, if you want, they can also be financed and paid in installments, either by paying a fixed amount per month or a percentage of the total amount. Although, before doing so, remember to review the financing conditions of your credit card.

Saving commissions pay card

You save commissions

By paying with the card you avoid unnecessary expenses, since you you save commissions to get money.

However, when taking advantage of all these advantages of using a credit card this holiday, it is important to bear in mind that these coverages and services depend on the card issuing entity and the type of credit card.

Therefore, before traveling, it is advisable check the conditions of your card contract to know the services it includes. In ING, this information can be found in the Clients Area> Personal Area> Documentation / Extracts> My Contracts> See contracts.

In Orange | Vacation guide
Image | Clay banks

Save on holidays, Credit cards

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