Debit or Credit card? Beware with Nationwide!

Travel Forums Round the World Travel Debit or Credit card? Beware with Nationwide!

Page
  • 1
  • 2
Last Post
11. Posted by Psamathe (Budding Member 406 posts) 2y Star this if you like it!

Quoting karazyal

I have all the money on my card..."

-

My advice is to NOT travel with a single card! You can accidentally damage it making it useless. You could lose it or misplace it somehow. Or, you might have someone you trust steal it from you!
...

My credit card company operates an automated "unusual transaction" detection system. When they see a transaction their algorithm considers "unusual" they send me a text to which I reply YES (if it was me) or NO if it wasn't me. BUT, the "unusual" transaction detection puts an immediate automatic block on my card until I respond YES or NO (I'd expect NO would mean the block stays).

And overseas transactions are more likely to be "unusual" and SMS text questioning the transaction is more likely to be delayed so you could find your card stopped (temporarily for quite valid use). That is assuming you have your home SIM in your phone and enabled given the potential roaming costs in many overseas countries.

I know this is the case for my UK Credit Card, I've been told it applies to at least one other UK credit card so I'd suspect it's fairly widespread.

Another reason to have more than one card

Ian

Page
  • 1
  • 2

To reply to this thread, please login or join