Why use a credit card? We only use it for the ability to charge things to the room, but we pay in cash at checkout. My ATM doesn't incur the 270J surcharge when used at NCB terminals and my bank doesn't charge a fee at NCB either. Never have to worry about CC fraud this way....not saying we don't bring a couple to JA...they are there for emergency use only...why pay 3 percent on top of your bill? Why subject yourself to the risk of fraud?