nigeljackson5 wrote:...and of course it depends on which credit card you use. I tend to listen to the word of money "God", Martin Lewis who has continually praised the credit card that I use
Which presupposes that you can get such a credit card? After living in Greece for almost 20 years I have I have no UK credit rating. That tends to limit your choices somewhat. I have managed to hang onto the credit card I had when I moved but I doubt if I could get a different one. Also changing bank accounts is nigh on impossible. Both my UK credit card and my UK debit card charge almost 3 % on transactions in foreign currency so I am disinclined to pay in Euro on either of them. Sometimes it is not convenient to pay on my Greek cards and sometimes they get refused for no obvious reason.
As I said, I don't wish to disagree with you but it isn't cut and dried.