Use ATMs/Cash Machines to get local currency, in this day and age it’s best to use these automated bad boys to get hold of the national currency, rather than local the currency exchange/bureau as they have their own fees and rip-off exchange rates.
Debt to Income Ratio. AllYou 11/10. Credit utilization=debt-to-credit ratio. How much credit you're allowed & how much you've used. Accounts for up to 30% of your credit score. The lower the ratio, the better. i.e. $200/month on card & limit is $400, your utilization=50%. To improve & lower utilization, ask to increase your credit limit, Don't close cards as credit limits on unused cards count,