Help and Advice

5 Tips While Using Your Credit Card on Holiday

5 Tips While Using Your Credit Card on Holiday

Your Card Is A Valuable Travel Companion

It’s the holiday season and you may be busy drawing up a checklist of things that needs to be done before you leave and things that needs to be done during the vacation. You are probably going to carry a couple of credit cards with you and this article will share a few tips that will go a long way in ensuring that you have a enjoyable trip while getting the best out of your credit card.

Holiday season is also the time when thieves are on the prowl for unsuspecting travelers. Although not many tourists these days carry wads of cash with them and have made the switch to plastic money, thieves have also gone high-tech in their job with card skimming, phishing, keyboard logging etc. This article will primarily deal with how to ensure safe and secure transactions while using your card on vacation and then go on to share general tips to make sure you don’t end up paying extra on transactions.

Common Sense

You already know the basics. Keep the cards in a safe place. Do not keep the pin in the card pouch. Hide the keypad when you enter the pin at a restaurant. Do not hand over your card to a sales person or a waiter. These are regular practices. However, when you are on a vacation, there are certain extra security measures that you need to take.

  • Do not keep all your cards in the same wallet. If there is more than one person in your group, it would be a good idea to split the cards. That way, if one is hit by misfortune, the group can still survive. Also, it would be a good idea to prepare a list of emergency contact numbers including that of your credit card company. Don’t just save it on your phone, jot it down on a piece of paper and keep it in one of your bags. And in case you are traveling abroad, you should be aware that the toll free number changes and make sure to note the new one down.
  • Set up mobile and email alerts when a transaction is made from your credit card. Make sure the hotel or restaurant has a secure payment process. If you feel uncomfortable, you can always pay with cash. Also ensure that you retain the bills for future use.
Generally Good Practice

Now that we have covered the security aspects of using a credit card while one vacation, lets move on to some general ones.

  • Find out about the credit card fee especially if you are planning to travel abroad. The rates may vary with place to place and it would be a good idea to be aware of the rates.
  • Before you leave, intimate your credit card provider that you are on a vacation so that they won’t flag down your card due to usage from an unknown location.  It is also a good practice to verify your credit card limit, and if need be, increase it a tad to account for unexpected expenses.
  • Finally, do not underestimate the power of hard currency. Always carry some cash especially when you are traveling to an unknown place. Plastic money is fine as long as the place that you are going accepts it. Just in case if they don’t, you shouldn’t be caught unawares.

The above tips can go a long way in ensuring that you can keep your mind focused on having a good time and not about how to keep your credit card safe.

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