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Old 04-27-2016, 07:33 PM   #1
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Credit Cards

Ok this may sound kind of stupid but how many credit cards do you take with you on a trip? People that take an Alaska trip are gone up to three months. What happens when your card is compromised?
We have very bad luck with credit cards. Got a new one at a large sporting goods store because of immediate twenty five dollar credit on purchases. And we needed one. Used the card one other time at a national chain motel in Pigeon Forge and got compromised. Wife kept card in purse in a special card case, don't know what could have happened.
Another time we went to Pigeon Forge and another card card got compromised on its third time to be used, also at a motel.
We generally try to take cash on trips because of all the problems.
Credit card companies have been quick to drop the charges and issue new cards but what a pain.
How does everyone handle their finances on the road?
Hickory
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Old 04-27-2016, 07:57 PM   #2
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Cash and one credit card used. If necessary I have another card tucked away. Never let the card out of your sight. Go to the cashier yourself and make sure the card is only run one time, not cloned or copied. Let your card company and bank know you are traveling, what areas and when you expect to be back home. Good luck.
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Old 04-27-2016, 07:58 PM   #3
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Hate them, we've had two compromised.

We're on the road at least six months a year. We try to keep our credit card footprint as small as possible. Cash is available everywhere, we have one active card and another inactivated card as a backup. Never let the card out of sight, never use debit function, use only with large retailers. Use cash in all small restaurants and retailers.
Our daily charge/debit limit is severely limited, we contact the bank if we need higher. We check our account frequently.

Apparently they are rightfully becoming obsolete to more secure options soon. Goodbye to bad rubbish.
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Old 04-27-2016, 08:17 PM   #4
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One credit card, one debit card. Both set up with automatic alerts.
- Text alert to my smartphone and e-mail alert to my computer.
- Any purchase (and ATM withdrawal for the debit card) made over $125.
- Any purchase made online for any amount.
- Any purchase made by phone for any amount.

On Edit— Almost forgot, multiple uses of the same card at the same place on the same day also trigger an alert. Didn't realize that until I forgot to buy something at the grocery store, and went back to buy it and used the same card again. I got an "unusual activity" alert.

And since I don't travel outside North America, any purchase made overseas is automatically declined, though that also causes the card to be blocked for legitimate purchases until I replace it with one bearing a new account number.

At first it was annoying to get alerts for purchases I actually made, but I got over that really quickly, and now I consider it as proof the system is working. It now gives me a warm fuzzy.

Plus the cards are now carried in a scan-proof woven steel wallet that meets FIPS-201 standards. Lifehacker.com says carrying your cards in a closed pocket-sized metal Altoids mint can will also protect them from being scanned as long as the can is closed, if you don't want to spring for the wallet.
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Old 04-27-2016, 09:19 PM   #5
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I use a credit card for nearly everything. I probably average 60 transactions a month. I carry a debit card in case I needed it. I carry a wad of cash for when a cash only deal pops up in front of me.
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Old 04-28-2016, 02:31 AM   #6
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We use a Costco co-branded American Express Card for nearly all travel expenses. For the few merchants who don't accept American Express, we also carry a credit union-issued Visa card.

On June 20th, we will switch to the new Costco Anywhere Visa Card by Citi, when our American Express Card is canceled by Costco.

For petty cash, we belong to a credit union that is a member of the CO-OP ATM and Shared Branch Network. This allows us to withdraw cash from any CO-OP Network ATM and/or access financial services at any CO-OP member credit union the same as if we were at home.

Description from the CO-OP Network Website:
WHAT IS CO-OP ATM AND SHARED BRANCH?

CO-OP ATM
A nationwide network of nearly 30,000 surcharge-free ATMs, 9,000+ which are deposit taking. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®.

CO-OP Shared Branch
Hundreds of credit unions that have joined together in a cooperative effort to bring a new level of convenience to members. You can access your accounts and conduct business nationwide at any of the participating credit union locations within the CO-OP Shared Branch network, just as if you were at your home branch.

If you belong to a credit union and do not currently use CO-OP Network services, click "Does My CU Participate?" on link below to see if your credit union is a member of the CO-OP Network:

CO-OP ATM & Shared Branch Network
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Old 04-28-2016, 02:39 AM   #7
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Hi, first off we don't have and use debit cards and we never use ATMs. I carry four cards. One for large purchases, [seldom used] one for Costco, one for gas only, and one [with a small limit] for internet purchases. We also use cash at places that accept cash.
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Old 04-28-2016, 05:40 AM   #8
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I carry a debit card and one Visa, using them almost exclusively.

The debit card has never been hacked, credit cards every so often but you get it replaced and go on.

I wouldn't want to carry nor rely on large wads of cash.


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Old 04-28-2016, 05:51 AM   #9
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I travel a lot for a living. I carry 3 credit cards issued by different banks. I also carry some cash along with a debit card from my credit union. I have had 2 cards get compromised on the same trip. Wells Fargo will overnight you a new card if it happens, the other former bank would not. All good advice on protecting your card from the other posters, but even that is no guarantee.

I have had more than one card compromised where they had no clue how it happened. I had one shut down last night, it had not been used in 3 months when I got a fraud alert. No clue where the breach occurred. If your card has the chip use the chip reader rather than swiping it. Traveling overseas or out of the country the chip card is a necessity.

I have had cards compromised in multiple breaches at national chain stores; Staples, Kmart, Target and Home Depot to name a few. I travel too much to be able to subsist on just cash. Also hotels, rental car companies and airlines don't like cash transactions.

Aaron
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Old 04-28-2016, 05:58 AM   #10
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We each carry three credit cards, no debit cards as one is not protected financially in the event the card is hacked - at least that is what our bank as told us, so I cut it up and handed it back to them.

Our credit card, one in particular, has been hacked three times. In each case it was a scanner attached to a fuel pump, inside the pump, not visible from "our" side. I know where it happened one of the times.

We mostly use the American Express, customer service has been exceptional and despite being hacked we have never owed them a dime, one hack was for $6,000+.

Bud
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Old 04-28-2016, 06:43 AM   #11
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Quote:
Originally Posted by Phoenix View Post
We use a Costco co-branded American Express Card for nearly all travel expenses. For the few merchants who don't accept American Express, we also carry a credit union-issued Visa card.

On June 20th, we will switch to the new Costco Anywhere Visa Card by Citi, when our American Express Card is canceled by Costco.

For petty cash, we belong to a credit union that is a member of the CO-OP ATM and Shared Branch Network. This allows us to withdraw cash from any CO-OP Network ATM and/or access financial services at any CO-OP member credit union the same as if we were at home.

Description from the CO-OP Network Website:
WHAT IS CO-OP ATM AND SHARED BRANCH?

CO-OP ATM
A nationwide network of nearly 30,000 surcharge-free ATMs, 9,000+ which are deposit taking. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®.

CO-OP Shared Branch
Hundreds of credit unions that have joined together in a cooperative effort to bring a new level of convenience to members. You can access your accounts and conduct business nationwide at any of the participating credit union locations within the CO-OP Shared Branch network, just as if you were at your home branch.

If you belong to a credit union and do not currently use CO-OP Network services, click "Does My CU Participate?" on link below to see if your credit union is a member of the CO-OP Network:

CO-OP ATM & Shared Branch Network
Brilliant, thank you. Turns out both my credit unions are members.
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Old 04-28-2016, 06:47 AM   #12
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I recently returned from a month long trip to the Keys. Both my credit union and charge card company put blocks on my cards for "excessive use". Easy enough to fix but annoyoying as I had notified them prior to the trip that I was traveling. Seems any use in Florida flags the cards because of so much card related crime.
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Old 04-28-2016, 06:48 AM   #13
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I just use Federal Reserve Notes. Sal
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Old 04-28-2016, 07:16 AM   #14
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I just use this.
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