I don’t know what kind of account you have with them but I used my CS debit card in the Philippines/japan and Europe for thousands of dollars cash and every single transaction the fees I was charged abroad was refunded down to the last penny.
Lot of people here seem to think the budget only involves living costs, what about medical/ dental/ visas etc… I think a lot of people think they are going to be healthy for the rest of their lives. 😑