The 12 biggest mistakes you can make while traveling in Europe

Expecting to travel on plastic

The monarchies may largely be disbanded but cash is still king in Europe. Expect to pay “bar oder bargeld,” "efectivo,” or "espèces" (they all mean "cash"!) at most cafes, restaurants, bars, shops, smaller museums, and for taxis and public transportation. Withdraw amounts large enough to avoid racking up fees but small enough to feel safe. (Also, here are some tips to avoid getting your pockets picked.) Most “bankomat” (ATM) machines allow you to select bill denominations.

Using just any old credit card

If you do throw down the plastic, make sure it’s not a card with exorbitant international exchange fees -- that’s not a fun bill to come home to. Look into the best travel credit cards before you leave. And while you’re researching, don’t forget to check the chip! The US security chip system that’s built into many newer debit/credit cards ISN’T fully coordinated with the European version, so it’s very likely that you won’t be able to use your card at many ATMs. Ask your bank ahead of time if the chip works in Europe and seek out large international banks for the greatest chance of ATM cash-withdrawal success.

Not claiming your VAT tax refund

Especially if you’re planning to make some large purchases, save your receipt and be sure to ask the cashier for a VAT tax-refund form.  They will stamp your completed form, and you’ll bring it to the tax refund desk at the airport before you leave Europe. You are eligible to receive a 19-25% cash refund on all purchases with minimums that range from zero (Germany, Ireland & the UK) to 175 euros in France (check this website). Then go spend that fun money at the duty-free shop, and you’re totally winning the international tax game.