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People planning to celebrate Valentine’s Day abroad need to be aware that they may encounter unexpected costs when they use their cards, warns Nationwide Building Society.Credit card companies charged customers an additional £27 million last year, according to Nationwide.

They recommend that people steer clear of providers that charge an additional amount for charges made abroad. In some cases, it might be better to use a debit card for purchases.

In addition, they remind consumers that Dynamic Currency Conversion, which permits the customer to pay in sterling or local exchange, might actually wind up costing more since the retailer has the option to set the conversion rate.

Jeremy Wood, the divisional director at Nationwide, encourages couples who are planning a special trip out of the country this Valentine’s Day to pay attention to unadvertised and unnecessary charges, as they can add up.

Those who are struggling with a large burden of debt might consider a debt consolidation loan, advises Iain Wrenshall, director of Debt Help UK.