I've had my credit card number compromised more often in the states than in JA. W/ the automatic swipe, much less an issue anymore. Back when an imprint of the whole card was made & a paper copies remained, too easy anywhere for anyone to steal your cc info. Those haven't been around for a few years so you might be too young to remember :-) My issue w/ using a cc is the 3% fee they charge. Doesn't matter if your charge is in US $$$, you will be changed a 3% currency conversion fee. Take the travelers checks & exchange for J$ as needed. Bank of America is associated w/ Scotia Bank (in town) so no cost to w/d $$$ there using the ATM. Just be sure you request J$. You'll get a great exchange rate, better than at the cambios. BTW... skip the guys outside the cambios who want to give you a better rate. They don't. They'll manage to put some of your $$$ in their own hands instead of yours. Cambios are closed on Sundays. Hope this helps.