Being a victim of theft, fraud or not being able to use your cards is a huge inconvenience, especially if you are abroad. However, following some simple, common sense precautions before, during and after your trip overseas can help minimise your chances of having any difficulties.
For instance, make sure your card company has your up-to-date contact details, including a mobile number. If your card company detects unusual spending patterns on your card they may try to contact you to check that the transactions are genuine - they could block your card from being used until they can get in touch with you.
Similarly, it is advisable to have your card company's 24-hour telephone number with you, incase you need to contact them because of any difficulaties. The number will be on the back of your card, your card statement or on their website.
These, and other simple tips can help ensure your time overseas is hassle-free.
Before you go overseas
- Only take cards that you intend to use; leave others in a secure place at home.
- Make sure you have your card companyís 24-hour contact telephone number.
- Make sure your card company has up-to-date contact details for you, including
a mobile telephone number.
- If your cards are registered with a card protection Agency, ensure you have their contact telephone number and your policy number with you.
When you are overseas
- Donít let your card out of your sight, especially when making purchases
in restaurants and bars.
- Donít give your PIN to anyone Ė even if they claim to be from the police
or your card company.
- Shield your PIN with your free hand when typing it into a keypad in a shop
or at a cash machine.
When you get get back
- Check your card statements carefully for unfamiliar transactions.
- If there are any, report them to your card company as soon as possible.