Its that time of year again when Hollywood stars migrate from Rodeo Drive to the Croisette, and desert the Sky Bar for the cocktail lounge of the Hôtel du Cap-Eden-Roc. Brad Pitt and Angelina Jolie probably dont have to worry too much about how to pay for things when theyre at the Cannes Film Festival, but when we mere mortals venture overseas, its generally a good idea to plan credit card use ahead of time.

Here are four tips for using credit cards abroad:

1. Credit card terms overseas

If you think your credit card terms are punishing when youre at home, wait until you get overseas. Most credit cards charge 2 percent to 3 percent on all foreign purchases, which can be a nasty shock when you get home. American Express and some other credit card companies offer products that dont levy charges on foreign purchases. In addition, some debit cards dont charge for foreign ATM withdrawals, and you should check if yours is one of them before you go.

2. Credit card companies need to know youre going

Tell your credit card companies about your itinerary (dates and places) before you leave. If you rarely or never leave the United States, and a charge suddenly and unexpectedly appears on your card from a bar in Prague, your card issuer is likely to call you to check the transaction. Miss that call, and your account could be frozen, which could cramp your style and potentially ruin your vacation.

3. Expect transaction processing problems

Many parts of the world now use chip-and-pin technology in place of the magnetic strip that still appears on the back of American credit cards. Theoretically, this shouldnt be a problem, but in practice it can pose difficulties, especially when youre using machines to buy rail tickets, pay highway tolls and so on. Keep a little more local currency on you than you normally would to cover these eventualities. And also carry your passport everywhere. Some merchants demand bullet-proof identification when processing transactions that dont involve a chip-and-pin credit card.

4. Dont be a victim

Theres usually no need to be paranoid when youre overseas. Depending where you are, crime rates are often lower in other countries than in the U.S. However, as a tourist, you may be at particular risk of being targeted by thieves, and taking measures to avoid being a victim and to cope if anything does happen are both intelligent steps to take. Here are four steps you can take:

  1. Make copies of all your key documents (including passports and credit cards) and keep them separate from the originals. Keep them in a hotel safe if you can.
  2. Make a list of the numbers you would need if your cards were to be lost or stolen. Remember that its not always possible to dial some numbers (800 numbers in particular) from overseas locations. Check with your card issuers website or call center for a number that will work where youre going.
  3. Dont carry extraneous personal information, such as your social security number, because it could be useful to an identity thief.
  4. Dont let your credit cards out of your sight when you pay for things. You may be as likely to find crooked merchants, and skimming machines that facilitate card cloning, in Bogotá and Barcelona as you are in Boston and Baltimore.

And, whether youre Brad and Angelina or just plain, old John and Mary, bon voyage.

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