Fraud-Related Tips

Get an international calling and data plan so you can avoid using public Wi-Fi networks.
Limit the number of cards you bring on a trip to two. That way, if your purse is stolen or your cards are compromised, you won't have to call multiple financial institutions.
Use a credit card instead of a debit card. It's often easier to recover funds from a credit card.
If you're concerned about using your card at a business, pay with cash instead.
If available, set up text message fraud alerts. That way, if suspicious card activity occurs, you'll be notified immediately.
Monitor your account daily to ensure no fraud is taking place.
When you're dining at a restaurant, keep your purse in your lap or at your feet, versus hanging it behind you on the chair.
Inspect ATM machines for skimming devices. Travel host Rick Steves advised, "Before inserting your card into a cash machine, inspect the front (especially if it's not inside a bank). If anything looks crooked, loose or damaged – or if the entry to the card slot bulges out dramatically – it could be a sign of a card-skimming device (which captures your keystrokes as you enter your PIN)."

Convenience Tips

Notify your financial institution before traveling – that way you can avoid unexpected holds on your account.
American Express and Discover cards are less widely accepted worldwide, so consider bringing a Visa or Mastercard.
Bring cards with no foreign transaction fees. Cards with fees can add a lot of unexpected expenses during a trip.
Exchange some money while you're in the airport, so if you need cash immediately for a taxi or tipping, you'll have some on hand.

Hopefully these tips will prove useful on your next adventure. I'm thankful to have been reimbursed for the fraudulent charge – perhaps I'll buy myself that Nespresso coffee maker, or even better, an international calling and data plan to use the next time I travel. No more public Wi-Fi for me!

Instant Insights /

Learning (the Hard Way) to Avoid Fraud While Traveling

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