At The Zolman Law, Arizona’s premier bankruptcy law firm, we really do care about you and your family’s financial health. In this series of blogs, we will cover some tips for avoiding or reversing the crushing credit card debt that can lead many people to declaring chapter 7 or chapter 11 bankruptcy.
Making charges in other countries
Many years ago, using your credit card when visiting another country was a smart move that paid off with a favorable exchange rate. But these days, almost all cards add on an additional 3% to the transaction – and that can add up. Some of the cards that are still a good deal (as of this writing) include:
Capital One: 0%
Providian: 1%
American Express: 2%
HSBC: 1-3% (depending on the card)
How to protect yourself

  • Make sure you read your card agreement or call the issuer before the trip starts to find out what the rate will be.
  • When you’re in-country, check to see if the rate you get from your credit card is still lower than that available at the money exchange kiosk.

It’s also a good idea to photocopy the front and backs of the cards you will be travelling with and keep the copies in a safe place in case the cards are lost or stolen.
At The Zolman Law, we believe that your life shouldn’t be defined by debt. We have helped hundreds of people just like you find the relief they deserve from harassing bill collectors, paycheck garnishment, foreclosures proceedings, and – most importantly – the constant worry about money and what to do about your debts.
We are a dedicated debt relief law firm. We help people from Phoenix, Mesa, Gilbert, Queen Creek, Chandler, Scottsdale, Apache Junction, Tempe and throughout Arizona file for bankruptcy or work through tough tax problems every day. We can help stop the debt cycle and give you relief from your overwhelming, burdensome, and crushing debt. Please don’t wait another moment. Call us right away – our attorneys will help get you the fresh start you deserve.