I'm sure I've mentioned this whenever the topic of cards comes up, but I figured since I just went through it, I'll post a dedicated topic.
Anyway, if you're traveling overseas (and who on here doesn't, or isn't planning on it??) and you use your credit/debit/ATM cards, fraud protection can trip you up. Nothing sends your bank a red flag faster than large foreign purchases, say, impromptu plane/train tickets, or a sudden desire to splurge on a nice hotel or meal. Next thing you know, you're trying to buy that bitchin' one-of-a-kind shirt at some unique boutique and your card's declined. d'OH!
Fear not... Before your trip, call your respective banks and tell them you'll be using your card(s) overseas. They'll put a notation on your account, with how long your trip is and what countries you'll be visiting. Some will even ask you approximately how much you might spend or what sort of items you may be charging. That way, if a flag comes up on a purchase, they'll see the note on the account and not shut your card off.
It's a few minutes of work per card, but it can save you a LOT of hassle when you're on your trip.
Also, remember to photocopy your cards - front and back - and leave them with someone at home that you trust. Another thing - if you don't have a foreign phone number printed on the back of your card, ask the operator what number to call from overseas in case you have card problems. Most of them will allow you to call collect, which is nice...
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