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Santander continued to operate the cards business until 1 April 2014, when SAV took full control and was renamed NewDay.

NewDay Ltd provide credit and store cards for retail partners: Amazon, Debenhams, House of Fraser, Laura Ashley, Topshop, Topman, Burton, Wallis, Miss Selfridge, Evans, Dorothy Perkins, Outfit and TUI. NewDay Ltd's consumer brands include the aqua, marbles, opus and fluid branded range of credit cards.

NewDay Ltd provide credit and store cards for retail partners: Amazon, Debenhams, House of Fraser, Laura Ashley, Topshop, Topman, Burton, Wallis, Miss Selfridge, Evans, Dorothy Perkins, Outfit and TUI. NewDay Ltd's consumer brands include the aqua, marbles, opus and fluid branded range of credit cards.

NewDay Ltd provide credit and store cards for retail partners: Amazon, Debenhams, House of Fraser, Laura Ashley, Topshop, Topman, Burton, Wallis, Miss Selfridge, Evans, Dorothy Perkins, Outfit and TUI. NewDay Ltd's consumer brands include the aqua, marbles, opus and fluid branded range of credit cards.

Each time you use your card abroad, you'll be charged a foreign exchange fee as your transaction will be in a different currency. This fee will be recorded on your statement as a separate charge.

If a business accepts credit cards, your Visa or Mastercard will likely work fine. The other two - American Express and Discover - do have a global footprint, but they are accepted at far fewer merchants. If you have one of these cards, be sure to confirm you can use it on your trip.

Yes, you can use your John Lewis credit card everywhere you see the Mastercard logo.

While credit cards are easy to carry and more secure than cash, you should always have some local cash on you when traveling. It's just good sense. Besides the fact that some local shops and vendors won't accept credit cards, having some cash provides a safety net in case your bank shuts off your card for any reason.

Spending is almost always cheaper than withdrawing cash when you're on holiday. If you've a top overseas credit card, spending is almost always cheaper. Even on cards with no cash withdrawal fees, you'll usually still pay interest on the withdrawal until you pay it off.

Each time you use your card abroad, you'll be charged a foreign exchange fee as your transaction will be in a different currency. This fee will be recorded on your statement as a separate charge.