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Even if you're not a world traveler, you might get stuck paying foreign transaction fees on credit card purchases.Matt Schulz from Credit joins Money Girl to explain foreign fees, which types of cards you should carry when traveling, and the best no-foreign fee cards available to save money. S., or even purchase items online from a foreign company, expensive credit card fees can spoil your fun by adding up to 3% to your bill."I used to think the hobby was ridiculous and crazy, and I attended the Chicago Seminar led by the Frugal Travel Guy in 2010 with zero expectations," Aucello recalls. I couldn’t believe there was a whole culture of people who were just as nerdy as I was about collecting credit card points." Photo: Getty Images Aucello is now an active member of a massive online community of credit card obsessives that grew out of early internet forums nearly 20 years ago.Today, there are countless blogs dedicated to educating consumers about which cards are the best when it comes to miles and points.He explains foreign transactions fees, gives traveling tips, and recommends the best credit cards to take on your next overseas trip. However, it’s more common to get blindsided by foreign transaction fees after you return from an overseas vacation and see them on your next credit card statement.Free Resource: Travel Card Comparison Chart (PDF download)—Laura compares the best no-foreign transaction fee credit cards! See also: Tips for Saving Money on Travel and Cruise Vacations Tip #2: Maintain good credit In general, credit cards that offer the best benefits—such as travel rewards, cash back, no fees, and low interest rates—also require you to have good or excellent credit.A 2014 Gallup survey found that the average credit card-using American has 3.7 cards; while 33 percent have one or two credit cards, nine percent have five or six and seven percent have more than seven.The modern credit card came into existence around 1950, but the rewards model is even younger.
Compare benefits carefully and choose cards that align with your spending habits and amounts. You may be going to college soon if you're not already there. As eager as you may be to get your first credit card, many credit card companies aren't so eager to give you one.You need to be responsible enough to charge only what you can afford and to pay your bill every month without being reminded.Tom Merton/Caiaimage/Getty Images A 5-minute phone call to your credit card issuer could save you hundreds of dollars -- or more -- in interest charges.If you've been a good customer, your credit card company will probably reduce your interest rate. A March 2016 survey from Credit found that 78% of cardholders who asked for a rate cut received one.