It is advised to have local currency on hand prior to arriving. Some hotels, merchants,
restaurants and suppliers accept U.S. or other foreign currency at a pre-determined rate,
which may differ from the daily rate posted by financial institutions.
Many consumers use credit to help manage their personal finances. Credit can be a mortgage to buy a house, a loan to buy a car, a line of credit for larger purchases or a credit card to make everyday purchases more convenient. It's important to understand how different types of credit work, and how to use credit to build a strong personal credit history. This section provides information on new credit card regulations, how a credit card transaction works, credit card products, budgeting, and avoiding money mishaps. Understanding credit is the key to using it wisely and making it work for you.