I have never had anything but a small credit union card, and I have never had any atm-related problem with it anywhere in the world. I have, however, had my credit union refuse the transaction in Bucharest without prior authorization because Romania is a high-fraud country (this was confirmed for me when that afternoon I was mugged on the street). I normally do not call ahead since I travel internationally at least once a month so I was surprised when that happened. They explained it when I called an turned it on..... just in time for it to be stolen.