It’s no secret. Credit and debit cards make great travel companions. However, before you get on the plane or hit the road, call the bank and let us know your travel plans. Most banks and credit card companies keep track of spending patterns and may interpret an unexpected purchase as credit card fraud and lock your account. Here are a few travel tips to keep in mind to ensure a safe and smooth trip:
- To avoid your card being denied for activity that is out of your normal and customary usage, call the bank or credit card company and let them know prior to your trip where and when you will be traveling.
- Due to past fraud attempts, there may be restrictions on your card depending on where you are traveling. Be sure when contacting the bank, you discuss any restrictions you may encounter. Be sure to ask about daily spending limits, conversion fees and/or ATM withdrawal limitations while traveling in or outside of the United States.
- If you lose your card, call the bank immediately! (1-800-288-2229)
- When you travel, it is recommended to have at least 3 money sources (i.e. Cash, Credit Card, Debit Card, Pre-paid Debit Card). This will ensure you will have access to funds & an enjoyable trip.
- To minimize the amount of funds available to fraud scams, you may want to consider opening an additional “Travel only” checking account. This account can have a lower balance and money can be transferred when needed.
- Use Mobile Banking to check transactions and balances while traveling to limit any fraudulent activity while on vacation.
If you want more information, please give us a call.