Is it better to use credit card or exchange money?

When it comes to the question of whether it's better to use a credit card or exchange money, there are a few factors to consider. On one hand, credit cards offer convenience and can help you manage your spending better. However, they also come with interest rates and fees that can add up quickly if you're not careful. On the other hand, exchanging money can give you more control over your finances, as you're not relying on credit and can avoid interest charges. But it can also be more time-consuming and involve more steps, such as finding a reputable exchange and potentially dealing with fees. So, which is the better option? It ultimately depends on your individual circumstances and financial goals. Do you prefer the convenience of credit cards or the control of managing your own money? And are you comfortable with the potential risks and costs associated with each option?