{"id":9327,"date":"2025-02-06T23:05:50","date_gmt":"2025-02-07T05:05:50","guid":{"rendered":"https:\/\/tripinsurancestore.com\/blog\/?p=9327"},"modified":"2025-02-06T23:05:50","modified_gmt":"2025-02-07T05:05:50","slug":"the-credit-card-you-should-take-on-your-trip","status":"publish","type":"post","link":"https:\/\/tripinsurancestore.com\/blog\/the-credit-card-you-should-take-on-your-trip\/","title":{"rendered":"The Credit Card You Should Take on Your Trip"},"content":{"rendered":"<div align=\"right\"><span class=\"mc-toc-title\"><a title=\"Subscribe to my Wall Street Journal Recommended Blog\" href=\"http:\/\/eepurl.com\/wCXYr\" target=\"_blank\" rel=\"noopener\">Subscribe<\/a><\/span><\/div>\n<p style=\"text-align: center;\"><strong>Which Credit Card should you take for trips outside the USA?<\/strong><\/p>\n<p>This is a nice set up for me to promote specific Credit Cards (and earn commissions), but I won&#8217;t do that. Instead I&#8217;ll give you practical and actionable advice that helps you today.<\/p>\n<p style=\"text-align: center;\"><strong>Do Not take the Credit Card you use every day<\/strong><\/p>\n<p>You likely use one Credit Card for most of your transactions. While it&#8217;s a good idea to track of all your spending in one place, it&#8217;s a bad idea to take that same Credit Card with you when you travel outside the USA.<\/p>\n<p>And, if your primary card&#8217;s compromised and cancelled, you&#8217;ll be left without access to funds and will potentially disrupt your ongoing payments and subscriptions.<\/p>\n<p>Instead, take two Credit Cards that are issued by a bank that you do not have any other ties to and only use them when you travel outside the USA. Use one for your transactions and have the other as a backup.<\/p>\n<p><strong>Why?<\/strong> Identity Theft, including <a title=\"This link goes to the FTC\" href=\"https:\/\/consumer.ftc.gov\/articles\/what-know-about-medical-identity-theft\" target=\"_blank\" rel=\"noopener\">Medical Identity Theft<\/a>, is real. You don&#8217;t want to unwittingly help online scammers build a detailed online profile about you as a potential victim.<\/p>\n<p>If your main Credit Card&#8217;s stolen, the criminals can access your <strong>Transactional History<\/strong> which gives them valuable financial insights that help them steal money, commit fraud or tailor specific scams just for you to deceive you more effectively.<\/p>\n<p><strong>Why Would Scammers Want Your Transactional History?<\/strong><\/p>\n<ul>\n<li><strong>To Identify Your Spending Patterns:<\/strong> They&#8217;ll see where you spend money, learn about your day to day life and what&#8217;s important to you.<\/li>\n<li><strong>To Steal Your Credit Card Details:<\/strong> If they get access to your credit card statements, they can attempt unauthorized transactions or sell the information.<\/li>\n<li><strong>Commit Identity Theft:<\/strong> Transactional history contains personal details that can be used to impersonate you or open new accounts in your name.<\/li>\n<li><strong>To Bypass Security Checks:<\/strong> Banks sometimes ask for recent transactions as a security question. If a scammer knows your history, they can pass verification steps.<\/li>\n<li><strong><a title=\"This link goes to the FBI\" href=\"https:\/\/www.fbi.gov\/how-we-can-help-you\/scams-and-safety\/common-frauds-and-scams\/spoofing-and-phishing\" target=\"_blank\" rel=\"noopener\">To Create Targeted Phishing Scams<\/a>:<\/strong> They might send you fake emails or messages that match your real transactions, tricking you into clicking malicious links.<\/li>\n<\/ul>\n<p><strong>And, there are two more important things to do:<\/strong><\/p>\n<ul>\n<li>Call the Credit Card company&#8217;s International Security department before you leave and be sure to make a call log of who you speak with. Get the International 24\/7 Security reporting contact phone number that&#8217;s answered by a live human being along with their website. Tell them which countries you&#8217;ll be visiting and the dates you&#8217;ll be outside the USA. Also, give them your contact information.<\/li>\n<li>You need to have the RFID shielded sleeves for your credit cards, passports and hotel room key card. Here&#8217;s an Amazon link that I don&#8217;t benefit from:<br \/>\n<a href=\"https:\/\/www.amazon.com\/s?k=RFID+shielded+sleeves\" target=\"_blank\" rel=\"noopener\">https:\/\/www.amazon.com\/s?k=RFID+shielded+sleeves<\/a><\/li>\n<\/ul>\n<p>I know this was a lot of information, but I hope everyone reading this takes it to heart and follows through on my advice.<\/p>\n<div align=\"center\">\n<hr width=\"30%\" \/>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Subscribe Which Credit Card should you take for trips outside the USA? This is a nice set up for me to promote specific Credit Cards (and earn commissions), but I won&#8217;t do that. Instead I&#8217;ll give you practical and actionable advice that helps you today. Do Not take the Credit Card you use every day [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9327","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/9327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/comments?post=9327"}],"version-history":[{"count":0,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/9327\/revisions"}],"wp:attachment":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/media?parent=9327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/categories?post=9327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/tags?post=9327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}