How to travel without a credit card Decorah & Cresco – June 1, 2017 What you should know before planning your adventures For a few years we’ve been hearing, “I can’t travel without a credit card.” For whatever reason there’s a myth that debit cards won’t work while traveling. The truth is that debit cards work just as easily as credit cards and you won’t have to endure the high interest rate of a credit card when the statement arrives in a few weeks. All major airlines and travel agents take debit cards and it’s incredibly easy to hop on their website to book a trip. You can use your debit card at hotels too. Some hotels will place a temporary hold on your account for the amount of the bill to cover incidentals. (You can avoid actual incidentals by avoiding crazy parties in your hotel room.) To be sure, you’ll want to keep some extra money in your account and ask your specific hotel if they’ll be putting a hold on your debit card during your stay. That’s usually easy to do if you plan ahead. Car rental places also accept debit cards. Just like hotels, many car rental places will temporarily put a hold on your account ($100-$500) because they don’t know how good of a driver you are. If you still believe that you can’t use a debit card to rent a vehicle, you’ve bought into the old myth. If you’re unsure, just ask them what, if anything, the hold will be. If you’re not going to be driving much on your trip, consider public transportation. That way, you don’t have to deal with a rental or parking costs. Of course you can dine, fuel up, adventure, and shop most anywhere with a debit card. The key is to be aware of how much money you have in your account before you travel to cover your costs. Make sure you call the Bank ahead of time to verify your limit, which can temporarily be raised during traveling. It’s also a great idea to have a back up plan in case your cards are lost or stolen. If you have specific questions about international travel and the use of ATMs, contact us, we’re happy to help you. Let’s break the myth, it’s really pretty easy to travel without a credit card and the high-interest rate that it leaves behind. If you are interested in a debit card simply ask for a personal banker at 563.382.9661 or 563.547.2244.