Home Credit Cards Do You Need To Tell Your Credit Card Companies That You’re Traveling? Usually Yes. Here’s How

Do You Need To Tell Your Credit Card Companies That You’re Traveling? Usually Yes. Here’s How

by joeheg

Back in the day, I had a list of things I needed to do before going on a trip. Among other things, I had to print out the itinerary, pack the travel books and call the banks to let them know I was going to be using my cards in places I usually didn’t. This was especially important if I was traveling outside of the U.S. because the last thing I wanted to do when I was in a foreign country was pay for a phone call to the bank to unfreeze my account.

Times have changed. I don’t bring a stack of travel books with me on vacation anymore and my entire list of plans for the trip are stored on my iPhone. But do I still need to let the bank know I’ll be traveling? There’s a good chance I already booked the tickets using their card so knowing I’ll be visiting an area should already be in their computer system, right? Not exactly. Here’s what the banks say about informing them of your travels (and Spoiler Alert!: Most of them still want you to alert them about your travels)…

I’d actually gotten past the stage of alerting banks every time I traveled. Sure for a huge multi-nation trip to the other side of the globe, I made sure to let them know, but for a weekend trip to Texas, I didn’t give it a second thought to just pull out my card. That was, until one night at Buc-ee’s in New Braunfels, TX. We had filled up our carts with Beaver Nuggets, various types of jerky, and more Buc-ee Beaver merchandise than you can imagine (Note from Sharon: But I’m not obsessed. Everyone has Buc-ee’s T-shirts in a dozen different colors, right?). I pulled out my Chase card from my wallet and gave it to the cashier. Transaction Declined. Oh, I guess there’s a problem with the bank, here’s my other Chase card. Declined. Hey Sharon, what about your Chase card? Declined.  Uh-oh.

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My Discover card eventually worked to pay for our stash, but this was our first night in town, we had plenty of travel expenses (hotel, rental car, dining) to go on the trip and I wanted the bonus the Chase cards provided for those categories. When we got back to the hotel, it took a lengthy call to the Chase security department to unfreeze my cards, and then Sharon had to go through the same procedure for her card. Not how I wanted to start our vacation.

Since then, I spend a few minutes online before each trip alerting the banks about our upcoming travels. Here’s the way to let each bank know of your travels:

American Express

Amex is one of the banks that say they don’t need to know about your upcoming trips. I’ve even had them proactively write me (if I paid for a plane ticket with their card) and tell me that their system sees I have a trip coming up to XXXXXX and to feel sure that I’ll have no problems using my AMEX card while out of town.

Here’s what they say on their website:

We use industry-leading fraud detection capabilities that help us recognize when our Card Members are traveling, so you don’t need to notify us before you travel.

If you have any doubt that AMEX’s systems are keeping track of you, here’s an email we received after checking into our hotel in Frankfurt.

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Barclays

When you log into your Barclays account, click on the Account Services tab. From there, click on My Travel:

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That will take you to a page where you can let Barclays know where you’ll be traveling and for which dates.

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Chase

After my previous problems with Chase, I always notified them when we’d travel at the Chase Travel Notification website. However, they’ve since turned off the option.

Citi

To alert Citi about your travels, log into your account, and go to the Travel Services tab under “Services.”

Once there, just select which card you’ll be using and add a travel notice by entering the dates and location of your trip

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Discover

To alert Discover about your upcoming trip, you need to log into your account and click on the “Register Travel” link

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That will take you to the page where you can enter your trip details.

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Other Banks

Most other banks have links on their web pages with instructions on how to put a travel notification onto your account. Bank of America, US Bank and Wells Fargo let you enter the information on their websites or through their mobile apps.

Like American Express and Chase, Capital One doesn’t have a place on their website to enter a travel notice but instead tells you that it’s no longer necessary to do so.

Final Thoughts

We’ve had our troubles with cards being declined and I can also tell you, from working in Orlando, people have their cards declined ALL THE TIME when trying to use them for purchases outside of their normal spending patterns. The worst story came from one of our guides on an Adventures By Disney trip who told us that while she was outside the country, her account was locked and the bank required that she go to a branch to get everything resolved. Unfortunately, she was 7,000 miles away from the nearest bank location and needed to wait until getting back to the U.S. to unfreeze the account and have access to her money.

Banks use computers to flag fraudulent purchases. They use your previous purchases to help them determine if a charge is typical or unusual. The problem is that COVID-19 has drastically changed the spending habits of millions of Americans. When travel resumes, it could be a good idea to take a few minutes to let the bank know of your travels. It won’t totally remove the chance you’ll get a notice about irregular spending, but at least you can let them know you alerted them of your trip in advance if you have to call the bank when they freeze your account.

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This post first appeared on Your Mileage May Vary

3 comments

derek January 12, 2020 - 8:29 pm

Citi spies on me. I bought an airplane ticket using one of my Citi cards. I just got an email from them telling me that they know I am traveling soon.

Reply
Maureen Sullivan January 13, 2021 - 10:02 am

I lost my wallet in Toronto on my way to Copenhagen. Both my husband and I have the same card so he still had his. Called Chase to let them know and to cancel the remaining card. Chase said don’t worry about it, we know you need the other card and you won’t be responsible for any fraudulent charges. That was weird but helpful. Got the wallet and credit cards back three weeks later and no unauthorized transactions.

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AA Flyer January 13, 2021 - 2:00 pm

Interesting Chase shut you down in Texas. I’ve traveled extensively in the US for over 35 years and never had a card rejected (even in Alaska and Hawaii which aren’t continental US and may be treated differently by banks). Also would be interesting to know when you experience with Chase occurred since now my understanding is they would typically text you (if you have alerts set) to ask if the transaction is valid. Reply “yes” and no problem.

That being said I ALWAYS let them know of my foreign travels. Even when the Amex Platinum rep says that isn’t necessary I still feel better having it in my profile. Only time I got rejected was trying to buy something at a store in St Thomas on a cruise (years ago when I didn’t think to let them know about cruises) but luckily I had another card that was accepted. No point having an issue overseas and calling (or going online to notify them of upcoming international travel) is, IMHO, simply prudent.

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