Credit cards have made traveling fuss-free while saving us the trouble of carrying large amounts of cash across borders. While it’s easier to carry credit cards than cash, carrying a variety of credit cards on your journey poses its own hazards. This post will walk you through a series of tips on how to mitigate any potential credit card trouble when you travel.
1. Choose wisely
‘Travel light’ works with credit cards as well. There’s absolutely no need to take every card you own on your trip. One or two as primary cards (preferably issued by different banks/ companies), an ATM card/ debit card and one more as a back-up should be just fine.
If you plan on traveling with a debit card, lower your cash withdrawal limit. Make sure you sign all your credit cards. This is important because a thief could sign it for you and then their signature on receipts would match up.
2. Know your fees
Just as you would google the places you’re going to visit, you might want to extend the research to the bank’s conversion rates and service fees as well. It helps to know if they charge to convert the currency, use the ATM and the likes.
There’s absolutely no harm in asking your bank/ credit card companies for the best deal or card they can offer in terms of rates, fees and benefits. Visit Dubai Finance to choose which card meets with your requirements the best. There are a lot of travel cards which you can opt for which won’t be linked to your savings accounts.
3. Save the digits and data
Make sure you have the international contact numbers and email address of your bank/ noted. It is also a good idea to have a backup of all your credit card data, preferably online and in print. Get a data plan and enough talk-time on your phone to last your entire trip.
Do not give all your cards to one person; it is advisable to give your family members different cards, preferably in their individual names. And keep your options open by carrying traveller’s cheques and cash for backup.
5. Be tech wise
It will be convenient if you carry a chip-and-pin card on your trip, since many countries have upgraded to that technology. Download the requisite applications and turn on the message and email alerts that would keep you up-to-date with every transaction, account balance and other details.