A finance expert has issued a pressing credit card warning to Brits on holiday. Martin Lewis highlighted the potential risks of withdrawing cash using your card. Understanding the best way to spend money abroad can be challenging. Some countries still predominantly operate with cash, while others readily accept card and phone payments. For some destinations, such as Morocco, obtaining the currency from the UK before your trip is not possible, making things even more complicated. However, regardless of your destination, Martin Lewis strongly advises against using your credit card to withdraw cash. In an article on his website Money Saving Expert , he elaborated further, saying: “Withdrawing cash on a credit card abroad?”. He pointed out that this could negatively affect your credit rating. “It could impact your credit rating,” he added. “We receive this query frequently, as we caution against credit card ATM withdrawals in the UK, due to the risk of high interest and many lenders viewing it as an indicator of debt problems.” Doing this sporadically is usually not an issue, however. He stated: “Yet if you only do it occasionally abroad on a specialist card, it’s not a biggie, just don’t overdo it and pay it off in full.” He also noted that in a few countries, using a UK card can be a “bit trickier”. This includes: Adding to these tips, Martin advised against using a credit card to purchase cash or load a prepaid card, warning: “You’ll likely pay fees and interest.” He explained the reason by saying, “Most credit-card providers count these as a cash transaction – so charge withdrawal fees and interest. It’s always better to use a debit card if you can.” For those looking to exchange currency prior to travelling, you can use MSE’s online travel money comparison tool available here .