Trying to pay for things without the use of your cards at home can be very inconvenient but just think how much more difficult shopping or dining out would be without your cards when travelling abroad. If you are in unfamiliar country, with only a basic grasp of the local language and little or no cash on you, this situation could become a nightmare and may even cause you to cut your holiday short.
However there are a few simple things you can do to minimise your chances of becoming a victim of theft or fraud while you are abroad and to lesson the inconvenience you suffer in the unfortunate event that you do.
Before you go abroad
- Take a note of your bank’s 24-hour Emergency Helpline Numbers – This will help you to report any theft or loss immediately. You will find these numbers on your bank statements and in the telephone directory. You may find it convenient to store these numbers in your mobile phone.
- Only bring cards that you intend to use. Leave any other cards at home.
- Check that your card company has your mobile number on file. If your bank or card company see unusual or out of pattern spending on your account, they may attempt to contact you by mobile to confirm whether you have carried out the transactions. Having your correct mobile number on file will help them to make contact with you swiftly.
During your trip abroad
- Always cover the PIN pad with your free hand when when keying in your PIN, when using your card at shops and ATMs abroad
- Take extra care in pubs and night clubs – Take particular care when using your card and PIN in a pub or night club, especially after consuming alcohol and never leave your card behind the bar.
- Never tell anyone your PIN – you and you alone should know your PIN
- Have your card ready when making a payment. Avoid having to go through your wallet or purse for money or cards, especially at the ATM. This might allow a thief an opportunity to see what’s on offer!
- Mind your handbag and wallet. It sounds obvious but when on holidays we tend to leave our guard down and thieves will take advantage of this. When in crowds especially, keep your bag strapped across your body firmly. Turn the clasp towards you, making it even harder for the thief to get at it. A concealed money belt is an ideal way to carry cards and valuables.
- Don’t let your card out of your sight – Take your card to the till rather than handing it over, especially in a restaurant. Where possible, insist that restaurant staff members do not take you card out of your sight when paying for meals, or similar. They could be skimming your card details.
- Conceal valuables – Warm weather means less clothing which can also mean that personal items such as wallets are more visible than usual. Take extra care to ensure that valuables are concealed.
- Leave your cards behind when on a night out – If you are planning a late night out, it might be an idea to leave your cards at your accommodation, in a safe place.
- Keep cards safe by the pool: When at the beach or by the pool, ensure that your cards are in a safe place where a thief cannot swipe them while you sunbathe.
- Report Lost and Stolen cards Immediately: If your card is lost at home or abroad, contact your card issuer immediately. You may find it convenient to store the number for your issuer in your mobile phone or on a note kept in your luggage (not in your purse). It is important to report the loss straight away and not to wait until you come home from your holiday. Waiting can mean greater fraud losses and more money into the hands of serious criminal.
On your return home
- Check your statement carefully when you return home or via the Internet if you have access to 24-hour banking while on holidays. If there are any transactions that you do not recognise, contact your card company immediately.