debit cards in america

[ketchupkid]

hi, im going to san francisco in a couple of months, this might sound like a stupid question but i really have no idea about anything remotely finance related except money=shoes! can you use a debit card from an english bank over there, either at a cash machine or for buying stuff in shops. the one ive got is a nationwide visa thing or would i need a credit card instead? are they likely to charge me for anything if i do use one?

aaalso, (sorry to go on a bit) whats everyones opinion on travellers cheques. are they worth it or is it easier just to take cash, do most places accept them? i wasnt planning on taking too much money but i dont want to run out or lose it or something stupid, hence my previous questions about debit cards

thanks for any help and i apologise for my financial ignorance, im quite embarrased really.

[dzug]

Hi ketchupkid - answers have appeared in the Travel section to the same question

[chazza]

Yes a debit card should work in cash points anywhere, mine worked in New York but if you are unsure, telephone your bank and check. Don't know about buying in shops though - I'd say it is doubtful.

As for travellers cheques - i think they are a waste of time. They were popular when the only choices were cash or t.cheque but nowadays with cashcards being available worldwide, they are a bit of a hassle, especially if they get stolen!

[metagirl]

all you need is a debit card with a Visa symbol - which it seems you have. you can get money from ATMs (cash machines) and use it in shops - as you would a credit card. I would recommend you take a good amount of money out of a cash machine all at once and use your debit card in shops sparingly as your bank may charge you a fee for each transaction!

I'd call nationwide before you go and ask them about any fees. I was surprised one time to realise the amount my bank had charged me for taking money out - so now I just take out a few hundred dollars at one time and just pay for things in cash.

and travellers cheques are pointless.