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Are credit cards widely accepted and safe to use locally? Are ATMs common and do you recommend using them? Are they safe to use?

There are only a handful of ATMs in the country. Only two or three on Pohnpei, one each (maybe) on the other three islands. Almost no one accepts credit cards in the FSM. - Feb 7, 2013
There is one ATM machine on the island - Bank of Guam. It's safe to use. Credit cards are only accepted at a few hotels and hotel restaurants and a handful of stores. - Apr 1, 2008