Dealing with credit card fraud and identity theft is never fun. It is particularly challenging when you are in a different country, where you may not speak the language and you have limited cell phone and internet access. Below we are sharing a few tips in hopes that they are helpful for you and your bank card safety in the future! 

 

1. Photocopy Necessary Documents

Take photos of your passport, drivers license, itinerary and any other important documents and load them into a Google Drive account so you can access them in case your things get stolen. 

2. Educate Yourself to Prevent Future Identity Theft

Shred sensitive documents, avoid sharing personal information over the phone or online, and be cautious of phishing scams. Regularly updating your passwords and using a password manager can also help keep your information safe.

3. Be aware of Skimming: 

Skimming is when someone copies your credit card information and makes a counterfeit card or uses it for transactions. Places to watch out for skimming are at restaurants when your card is taken by the waiter, at gas stations, at ATMs not associated with a bank. If you need to withdraw cash, only use ATMs located inside banks or reputable establishments. 

4. Be Aware of Phishing Scams

Identity thieves often use phishing scams to trick travelers into revealing personal information. Be skeptical of any unsolicited emails, texts, or phone calls requesting your personal information, especially if they claim to be from your bank or a travel company. Always verify the source before providing any details.

5. Consider Using Different Cards for Auto Pay vs Everyday Spending

If you travel often, it might be a good idea to dedicate one card for auto payments like subscriptions and bills and then don’t use that card while traveling. In the event your card gets compromised, it won’t be so much of a hassle to update all your payments etc. 

6. Use Credit Cards Over Debit Cards

When traveling, it’s generally safer to use credit cards instead of debit cards. Credit cards offer better fraud protection and don’t directly link to your bank account, minimizing potential losses. If your credit card information is compromised, it’s easier to dispute charges and get them reversed.

7. Be Wary of Public Wi-Fi

Public Wi-Fi networks are convenient but can be a hotspot for hackers looking to steal your information. Avoid accessing sensitive information, like online banking or shopping, while connected to public Wi-Fi. If you must, use a Virtual Private Network (VPN) to encrypt your connection. Don’t conduct credit card transactions in public places, such as libraries and airports.

8. Keep Your Cards Close

Never let your credit card out of sight when making purchases. In some countries, it’s customary for the card to be taken away for processing, which increases the risk of skimming. Request that the transaction be completed in front of you whenever possible.

9. Use RFID-Blocking Wallets

Consider using an RFID-blocking wallet to protect your cards from being wirelessly skimmed. While the risk of RFID skimming is relatively low, it’s an inexpensive way to add an extra layer of security.

10. Opt for Mobile Payments

Mobile payment options, like Apple Pay or Google Wallet, are often more secure than using a physical card. These services use encryption and tokenization to protect your card information during transactions. Plus, your actual card number is never shared with the merchant.

11. Be Aware of Common Scams

Familiarize yourself with common travel scams in the destinations you’re visiting. Some scams involve tricking tourists into handing over their credit card information. Stay alert and trust your instincts; if something feels off, it probably is.

12. Consider Travel Insurance

While travel insurance won’t prevent credit card fraud, it can provide peace of mind and financial protection in case something does go wrong. Some policies even offer assistance with replacing lost or stolen cards while abroad.

13. Put a Pause on Your Physical Mail While Away

Request a mail hold with the U.S. Postal Service and set up automatic payments while you are gone. This helps secure sensitive documents and bills that have identity related information. 

14. Report Lost or Stolen Cards Immediately

If your credit card is lost or stolen, report it to your bank immediately. Most banks have a 24/7 hotline for emergencies like this. The quicker you act, the less likely fraudulent charges will occur.

15. Avoid Oversharing on Social Media

While it’s tempting to share every detail of your trip on social media, be cautious about what you post. Avoid sharing your travel plans, location, or any personal information that could be used by identity thieves. Consider waiting until you return home to post your travel photos.

16. Know What to Do If Your Identity Is Stolen

Despite your best efforts, identity theft can still happen. Before you travel, familiarize yourself with the steps to take if your identity is stolen. This includes contacting your bank, credit card companies, and the local authorities. The quicker you act, the more you can limit the damage. 

We hope you find this blog helpful!

Safe Travels!