Originally Posted by
manneca
I think Chase sent me an email saying I no longer had to inform them that I was traveling. I never notify any of my credit card companies anymore. Of course I'm out of the country 3-5 times a year.
As for a debit card, I tried for a very long time to just have an ATM card (only that couldn't be used as a debit card) but I think all my financial institutions have done away with that. As far as liability, the bank and/or Visa/MC may place a daily limit on withdrawals. I have changed those on various cards.
In fact for you, the CC issuer may have put your frequent travel into your profile. Amex does this, iirc.
To avoid hassles with acceptance overseas, I'll always carry a chip and pin M/C along with the Amex Platinum. The M/C likes travel notifications.
I use a Schwab Debit Card (with Visa) overseas at ATMs for cash - no fees, no Forex, and refunds any bank's ATM fees. But...I opened a separate account that I only fund with sufficient money for each trip. Sits idle with a $100 balance between trips. No linkage to my main investment account.