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

Some businesses accept credit cards, but smaller ones won't. I'd only use ATMs in safer spots; always inside, never out on the street. - Feb 2019

I wouldn't recommend using them. - Jun 2013

Nor recommended. - May 2013

Don't use ATMs in public; if possible use cash and not your credit card. Too many issues with people swiping them. Use an ATM close to your house if possible. - Jan 2012

Credit cards are accepted at many places but be careful of frauds; Within two months of arrival, someone put an $800 charge on my Amer Express but luckily, Amex caught it and did not pay the fraudster and my card was promptly deactivated and replaced. ATMs are everywhere but I only only cash checks at the Consulate and have never had any problem. Many local businesses can't break a $20 bill but the larger shops can accept them. BTW, Ecuador adopted US current back in 2000 so no need to exchange anything. - Jan 2012

You can use credit cards at most places. - Aug 2011

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