If you do have a problem, just remember, since your card was issued by Bank of America. On the reverse side of the card there are contact numbers. On the credit cards are the words "Collect Outside the U.S. and Canada 509.353.6656". I do not know for debit cards. If your card is refused, once you have made that collect call, you can ask for the fraud department to find out why. If it is for other than credit reasons or stolen card, they will reopen the card. You will probably be asked to confirm the last few transactions on your card.