using credit cards overseas
Dec 15, 2011, 10:59 am
#1
Original Poster
Join Date: Dec 2011
Posts: 1
using credit cards overseas
Are there any American credit cards out there that don't block your account the minute you try to use your card overseas? It seems like a lot of the cards will freeze your account the minute it is used overseas. Are there any out there that won't do this?
Dec 15, 2011, 11:00 am
#2
Join Date: Oct 2010
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None of mine do, but I usually call them before I leave and tell them what countries I'll be in, during what time frame. Chase and Citi.
I think this is also the wrong board for this subject, so I expect a moderator to move it shortly...
joe
I think this is also the wrong board for this subject, so I expect a moderator to move it shortly...
joe
Dec 15, 2011, 2:57 pm
#4
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Dec 15, 2011, 7:01 pm
#5
Moderator: Avianca, Travel Photography, Travel Technology & USA
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As this is not related to the management of the board, I'll move it to a more appropriate home.
BTW, I have this problem personally on a somewhat regular basis with my United Explorer card! While its annoying, I just call Chase up when I'm going to city hop, and they make notations in my account.
Fraud control run amok.
BTW, I have this problem personally on a somewhat regular basis with my United Explorer card! While its annoying, I just call Chase up when I'm going to city hop, and they make notations in my account.
Fraud control run amok.
Dec 15, 2011, 7:06 pm
#6
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Most of the card issuers have a form online or an 899 number to call so you can let them know what countries you are going to and they will authorize the card for use there.
Capital one for example:
61.Who do I contact about traveling out of the country?
Before you travel, contact us at 1-800-955-7070. Please have the following information handy:
Credit card number
Travel destination
Travel start and end dates
If you let the card issuer know there is usually no problem.
Capital one for example:
61.Who do I contact about traveling out of the country?
Before you travel, contact us at 1-800-955-7070. Please have the following information handy:
Credit card number
Travel destination
Travel start and end dates
If you let the card issuer know there is usually no problem.
Dec 15, 2011, 7:18 pm
#8
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I've had my Chase credit cards frozen several times, so I have gotten used to filling out a travel notification online whenever I plan to use one of my Chase cards overseas. It's kind of an ironic hassle for a travel-related credit card, but it's better than having to make an international phone call to have my card unblocked!
I've never had a problem with my USAA credit card in any country at any time, so it's my backup card when traveling (even with MC's 1% foreign transaction charge, which USAA passes on).
I've never had a problem with my USAA credit card in any country at any time, so it's my backup card when traveling (even with MC's 1% foreign transaction charge, which USAA passes on).
Dec 15, 2011, 7:48 pm
#9
Join Date: Aug 2010
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Discussed many other places. Fraud protection is all about spending patterns, not travel per se. If you do the travel notification the first few times and establish the pattern, you may not get shut off, even if you cease doing the notifications. Which countries you visit also likely factors.
I never do notifs anymore, and never have a problem charging away all over the world (with Chase, CapOne, PenFed mainly). The only travel-related block I've had was due to changing location of IP addresses logging in to my account due to VPN, suggesting I was logging in from two continents within a few hours. They noted it and it hasn't happened again.
I never do notifs anymore, and never have a problem charging away all over the world (with Chase, CapOne, PenFed mainly). The only travel-related block I've had was due to changing location of IP addresses logging in to my account due to VPN, suggesting I was logging in from two continents within a few hours. They noted it and it hasn't happened again.
Dec 15, 2011, 10:04 pm
#12
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Dec 15, 2011, 10:10 pm
#13
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But I also try to inform the American card issuers when I intend to use the cards outside the States, just in case.
Dec 16, 2011, 2:04 am
#14
Join Date: Apr 2011
Posts: 34
Honestly, I think I would be furious if I had to notify my bank before every trip overseas...
I've used my cards in various unsavory countries and have never had any problems.
Well apart that one time I got a fraudulent charge from somewhere in Rawalpindi.
I've used my cards in various unsavory countries and have never had any problems.
Well apart that one time I got a fraudulent charge from somewhere in Rawalpindi.
Dec 16, 2011, 6:50 am
#15
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Welcome to FlyerTalk rhame.
As with must things in life, YMMV.
I've never had a problem with Chase cards overseas, and I've never notified them (or any other card issuer).
My parents' Capital One cards seem to get frozen frequently when they (the cards and the parents) travel abroad. IIRC they try to notify Capital One in advance, but it doesn't seem to help.
As with must things in life, YMMV.
My parents' Capital One cards seem to get frozen frequently when they (the cards and the parents) travel abroad. IIRC they try to notify Capital One in advance, but it doesn't seem to help.