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Old April 25th, 2006, 12:00 PM
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I was wondering if anyone else had this same experience or am I the only idiot with an overly security conscience credit card company. It seems that I need to "inform" the security division of my credit card company that I am going on a vacation - especially when traveling out of the country. On 2 separate cruises the same company (yes I am a slow learner) put a hold on my card expenses, once was while I was at dinner on board ship. Up until the last time I never even gave it a second thought. Fortunantly I had other cards available.
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Old April 25th, 2006, 02:44 PM
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I've had that same experience. Now I call them ahead of time to let them know where I will be and the dates. So far, its only been with one company.
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Old April 25th, 2006, 04:18 PM
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You should always call your credit card company's fraud department, about three days before you leave on your vacation and inform them that you will be making charges outside of your normal area. Also inform them that you may be making larger charges than your "norm".

It can be a pain in the rear but someday you may be thankful they are this picky about it. Capital One is one of the pickiest about this.

You may also wish to contact your bank and inform them that you will be making ATM charges outside of the country.

The biggest frustration about the whole thing is getting a live person and not an automated message that many card companies customer service departments have. It's one reason I like American Express.

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Old April 25th, 2006, 07:30 PM
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Thank you so much for posting your experience with your credit card. I would never have thought of letting them know.
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Old April 25th, 2006, 07:48 PM
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They are actually looking out for your best interest. I now let them know I will be using my card while out of the country, so they don't suspect that its been stolen and being used by someone else. Its actually a good thing that they keep track of your purchases and when they see something like that, stop the use, so do let them know when you will be using it while on vacation.

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Old April 26th, 2006, 03:40 PM
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Yes I agree that they are looking out for my best interests and someday (hopefully never) I may thank them but it is definetly difficult to accept when you are at diner and order a bottle of wine and your waiter says your card has been denied.
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Old April 26th, 2006, 05:33 PM
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Yep, did the same thing on my first cruise last year. I called the company a week before I left, gave them the dates and on what islands I would be on what dates.

Would you believe they were EXTREMELY happy that I told them? They said that is one of the MAIN problems they have with cruise customers. Its suspicious because its outside your usual area so they flag your account.

The card is your responsibility. Guard it like you would your life.
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Old May 5th, 2006, 02:28 PM
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Thank you very much! This forum is SO helpful. Thanks to you, I just called my Bank of America and told them that my Visa card would be traveling out of the country for a week. They got me through all kinds of security (Mother's maiden name, etc.) and took my information. They wanted to know how long I'd be gone and if I'd be making any major purchases, etc. Now I won't have to worry about my card being blocked.
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Old May 5th, 2006, 03:18 PM
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My credit card company never even squeaked when I went on my cruise. I guess if someone stole my card they would spend less money then I usually do. HAHAHAHA

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