First of all check what credit card you are offered. Is a purely bank credit cards which can be spent only bank money, but there is overdraft. The latter are called conventional payment cards with the authorized credit limit. On a credit card, you can make your own money and spend it, but only if necessary to borrow from the bank. In this case, unlike the express loans given for purchase of specific items, the card allows you to pay for any goods and services, not only in his native country but also abroad. Use the credit borrower can not once - enough to fill your account.
Now about the percentage. Now more and more banks offer credit cards with a grace period (grace period), which can last up to two months. If you borrow from the bank and keep on payments during this period, no interest for the loan will not have to pay. Opportunity to freely and without consequence to get into the pocket to the bank is very convenient, especially abroad. It is not always possible to accurately guess how much as a pocket expenses needed to bring. If you use credit card on holiday, the costs can be redeemed within the grace period of one month after the trip, without making unnecessary expenses as a percentage. General ease of use of such cards in long trips no doubt. First, across the border can carry a card with any amount - nothing to declare is not necessary. Secondly, it is possible to withdraw cash from ATMs around the world, as well as pay for goods and services. If the card is lost, the money from the account will not disappear. The main thing - time to lock it. Another plus: Many cards can be good news to the owner of unexpected bonuses for payment of certain products and services: discount or incentive "compliments" from the institutions with which the bank entered into the contract.