In many instances, paying by credit card may not be an available option or may not be cost effective, but there are certain advantages to paying with a credit card. The first is that Visa and Master Card give you the best exchange rate of the week. The exchange rate that they will give you is better than what you get for cash at the banks. Another important consideration when paying for things with credit card is that there is often inherent insurance provided by either the charge card company (Visa/ Master Card) or your credit card company. For large amount items such as hotels or flights, it may be beneficial to use your credit card, just in case or dispute all sorts of things if you pay by credit card – hotel burglary, fraudulent transactions, insurance for jewelry purchases and more. However, be very aware of the transaction fees and the associated costs, because the cost of using your credit card in Vietnam may not be justified.
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