Sometimes when you leave town and use your credit or debit card your bank freaks out, puts a freeze on it because they think someone stole it, and as a result you can't use it. SO...per recommendation of my banker...just call the 1-800 number on the back of your card before you go and they will put a note on your account on their end of where/when you will be traveling so you can always access your money.
Also, your bank will likely charge you an international transaction fee each time you use your card. You may wish to get Canadian currency at your bank prior to traveling. Or, when you withdraw from the ATM in Canada take out $200 -$400 at a time so you have fewer fees. Newfoundland is safe and you don't have to worry about pickpockets like you do in Europe. There are some beggars in St. John's however they are harmless and you can easily walk past them problem free or leave a coin per your inclination.
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