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Nothing like a beautiful sandy beach, a turquoise ocean and a cabana boy ferrying mai-tais to let you convince yourself you CAN spend a little extra. The credit card limit is twice the debt on there now, after all. You won’t be angry at yourself for. . . say . . . another ten days or so. And you’re having so much fun!
Taking convenient prepaid debit cards on your trip instead ensures today-self and future-self remain in harmony.
European, Asian and the Middle Eastern travelers have been using prepaid debit cards for years. It’s time Americans get with this convenient — and budget-friendly — payment method. Prepaid cards are safer than cash because they require a code to redeem. You can get a prepaid card in a few days online without having to go to a bank, and there are no credit dings for getting one. Some prepaid cards can even be pre-loaded with the currency of the country to which you are traveling. In that case, if exchange rates favor your currency, you can save on purchases once you land!
Prepaid cards ensure you’re not stuck, either. You can always reload them as long as you have access to the internet. Because you reload them with funds from your bank account, you’re less likely to put too much more onto the card. Also, just the process of having to go to the internet and make the transfer helps to stop you from your impulse purchase.
Another advantage of using prepaid debit cards for travel is that you have a list of all your purchases available either via your computer or phone. This is particularly important if you have teens traveling with you. They want their independence and a little money to spend. But before you let them out of the hotel, make it clear you will know where their money is going.
While you will miss out on the rewards that credit card companies now offer, the prepaid debit card helps protect you from your own lack of discipline. That can mean more savings. Get this aspect of your travel taken care of when you order prepaid debit cards online now.
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