Traveling can be an exciting time. While planning your trip, be sure to plan ahead financially as well. While the use of internationally accepted credit and debit cards have made things easier, it’s a good idea to go through the list below to ensure a successful trip without unnecessary headaches.
Helpful Tips to Help Protect Yourself When Traveling Overseas
- Before your trip notify us of which countries you will be traveling to and the dates of your visit. This will enable us to take precautions in case you have fraudulent activity on your account and prevent your card from being blocked while away.
- Make sure you understand the daily spending and withdrawal restrictions associated with your debit and credit cards.
- Leave a copy of the front and back of your card including the phone number for lost or stolen cards at home with a family member or trusted friend.
- If you lose your card call us immediately to prevent any fraudulent charges, or call Visa Global Customer Assistance Services. Click here for the full list of toll-free phone numbers. Visa can assist you 24 hours a day, 7 days a week, including holidays.
- When you’re abroad, take the same precautions at ATMs as at home. Don’t allow yourself to be distracted, cover the keypad with your hand when entering your PIN and never write your PIN down. If you suspect the machine’s card slot has been tampered with, don’t use it.
- Your debit or credit card may not work in all ATM machines, stores or restaurants. It is recommended that you carry a back-up card, or some cash for daily expenses and emergencies.
- It is recommended that you review your statements when you return. Go through your Visa Debit and credit card statements carefully and contact us immediately if you see any suspicious or incorrect charges. Chargeback fraud is one scam that occurs when there are charges placed on your card that you did not make. Some vendors may give you a receipt that says one price; however, charge a larger amount on your card.
- When traveling internationally, you may face additional options at the register. Some merchants offer the option to convert your purchases into your home currency. This is called Dynamic Currency Conversion (also known as DCC) and means the merchant – and not Visa – is converting the currency. While you may appreciate the convenience of knowing the exact price in your home currency at the point of sale, you should be aware that the merchant may charge you for this service. Visa requires that you be given a choice to either accept or decline DCC. In addition, Visa requires merchants offering this service to inform cardholders of the exchange rate including any applicable commissions or fees being charged.