Paper mightier than plastic?

James GILDEN’S “When It’s Time to Pay, Choose Plastic Over Paper” [Jan. 23] had good suggestions but failed in two areas. Payment in the local currency rather than by credit card can bring a substantial discount. Many moderate and budget hotels offer discounts of 10% or more when paying cash. This is a practical way to stretch the dollar.

Furthermore, I found the suggestion of using “crisp new $1 bills” for tips to be provincial and self-centered. That seems to suggest that tip receivers would welcome the foreign currency. It shifts the expense and hassle of money exchange to the receiver.

Paul Pohlen

Brea

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Lots of good advice in the article suggesting credit and ATM card use instead of cash overseas. Two caveats: Make sure it’s possible to use an ATM in the country you’re visiting -- we had major problems in Kyoto, Japan -- and notify your credit card company before departure that you’ll be traveling and making major purchases. Otherwise, it may put a hold on your card to protect against possible theft.

Michael S. Berliner

West Los Angeles