Hi Pat

We use a combination of credit cards + debit (ATM) card + cash.

1) Credit cards, at least two , bank is notified when they are to be used out of the country or in another State. One card (the same card) is used for hotel + airfare + car rental to avoid issues with blocking.


Blocking

2) ATM or debit card is used only for cash when needed. Funds are made available in our checking account to be drawn down as needed.

3) Cash, as needed.