Is Your Credit Card Ready for Your Winter Getaway?

If you plan to travel - at any time of the year - make sure you and your credit card are prepared.

Money & Credit

Is Your Credit Card Ready for Your Winter Getaway?

The snow is starting to fly and whether you are thinking about a trip to the slopes, the beach or across the pond, following a few simple tips will make your vacation a little bit easier. Here are five tips for peace-of-mind use of your credit card while traveling.

  1. Call your credit card company and let them know where you are going and for how long. This will put your account into a special status for fraud prevention.
  2. Add your mobile number to your credit card account information. This will ensure your credit card company can reach you in a timely fashion should a question arise about activity on your account.
  3. Keep an emergency folder with key information. Include copies of your itinerary, what to do in an emergency and whom to alert, copies of passport, birth certificate, credit card numbers and cancellation phone numbers, computer passwords, emergency health care info (include blood types, drug allergies, doctors name and phone numbers for access to medical records). Keep a copy of this folder at home, as well as at the office. It is also a good idea to let a trusted friend or family member know where this information is.
  4. Copy credit card numbers, expiration dates, and customer service phone numbers only of the cards you plan to take. If you are headed to foreign countries, call the 800 numbers for reporting lost or stolen cards and verify that those phone numbers are valid from the countries that you will visit. At the very least, program the customer service numbers into your mobile phone.
  5. Check current insurance policies for coverage on rental cars especially if traveling in foreign destinations (if covered take a copy of policy). Don’t forget to call your credit card company to see what, if any, travel benefits you might have.

As a travel enthusiast, be sure to check out NCMIC’s no annual fee reward-based business card where can earn 10,000 bonus points good for a $100 air travel discount right away.

The information in the NCMIC Learning Center is offered solely for general information and educational purposes. It is not offered as, nor does it represent, legal or professional advice. Neither does this information constitute a guideline, practice parameter or standard of care. You should not act or rely upon this information without seeking the advice of an attorney familiar with the specific legal requirements of the state(s) in which you practice. If there is a discrepancy between the site and an insurance policy you have with NCMIC, the policy will prevail.