I'll be going overseas next few days, so I'll probably not post anything til I get back around middle next week. I've been thinking about this a lot for the past few years. Should I be using credit cards when spending overseas? We don't do much shopping so we generally don't spend like thousands of dollars. So the situation that it's unreasonable to carry loads of cash to buy bags and stuff doesn't really mean much to us. I understand that many people go to Europe to buy their bags and branded goods, and it would be unreasonable to be carrying EUR20,000 in cash so yes, it makes sense that people would use their credit cards. But when I look at my own situation, we usually spend less than SGD100 per day on average when in a foreign country. Hotels and flight have all been paid for before we leave. Optimized for credit cards or whatever ......