A credit card unlike a debit card, as a rule, does not have a positive balance. That is, when making purchases with a credit card, you usually go into a negative balance on your account and at the end of the month you either pay off your debt or take out a loan. A credit card is indispensable on vacation if you need to rent a car or withdraw cash in another currency. The fact is that the deposit for the car, which can be around 1,500 €, on a credit card will simply be blocked from the credit limit. If you do not have a credit card with you, at best you will have to pay a deposit, and at worst you will have to buy expensive insurance from the rental company. If you choose a good offer, you can withdraw money abroad in local currency for free at any ATM and at the rate of a European bank without additional fees. A credit card is also handy when shopping online if you know you'll be returning a lot of items back.