Never ever try to withdraw cash from ATM using a credit card as this is going to be your biggest sin in life as you will start getting charged @ 3% interest rate which translates into 36% per annum.
Do whatever you want to do with your credit card but avoid this cardinal sin and you will be always happy in life using the credit card if you can remember your billing and due date.
Just remember that knowing your billing date means that one can spend at the right time which is immediately after the bill date generation whichwill help you to get maximum days of interest free credit and pay before due date by automating it with your bank account by putting it on auto debit mode.
If you are not able to make full payment then you must pay minimum due on credit card to get the credit at agreed interest rate.
Last but not least do have a look at below infographic which will guide you the way debit card and credit card be used during travel days to get the maximum mileage from the credit and debit cards. However remember that withdrawing cash through foreign ATMs with your credit card can be all the more costly as one may get charged the foreign currency conversion charge. Thus to avoid such type of contingency you can approach your bank to provide you with a Forex card which is preloaded with foreign currency and it will work out cheaper than withdrawing cash through ATM located in a foreign locale.
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