Oh No! What To Do When Your Credit Card Is Rejected When Traveling

If you’re home, having your credit card charge denied is a minor inconvenience, even it can be slightly embarrassing. If it’s not something you’re aware of, such as being over your limit or not paying your bill, you can usually resolve the problem by a quick call to the bank or by checking your account on their website or mobile app.

What happens if this occurs when you’re traveling? Going on a trip, either across the state, the country or the world can raise red flags in the bank’s computers. Making a few charges, especially large ones, in a new location can lead to your card being denied or even worse, shut down.

So how can you try to prevent this from happening and what can you do if it does?

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Why You Shouldn’t Worry About Transfer Bonuses

The biggest advantage of earning transferrable credit card points is the flexibility when you need to redeem them for travel. You can never know in advance which airline program will have availability on the flights you want to take. It’s impossible to put a value on being able to move points into whichever program you need at the exact moment you need them.

As a reminder, here are the transferrable point currencies from the major banks:

  • American Express Membership Rewards
  • Capital One Venture Rewards or Spark Miles
  • Citi ThankYou points
  • Chase Ultimate Rewards

You can also transfer points from the Marriott Bonvoy program to airline programs.

Occasionally, banks will offer bonuses to transfer points into a specific program. Most of these offers last for 1 to 2 months, so there’s not usually a need to jump into them right away.

While these promotions offer great value if you were planning on transferring points anyway, speculative usage of transfer bonuses isn’t a good idea for the average traveler.

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Should You Buy Cell Phone Insurance Or Get It From Your Credit Card?

Did you pick up a new phone during a sale on Black Friday or Cyber Monday and are wondering what’s the best way to protect that $1000+ purchase? You’re in luck because one of the newest benefits credit cards are adding is cell phone insurance. To be eligible, all you have to do is charge your cell phone bill to a card that provides coverage.

It doesn’t matter how you paid for the phone, although I hope you used a card that has some sort of purchase protection included.

Using the coverage from your credit card would seem to be a no-brainer. The coverage is free and continues for as long as you’re paying your bill with the card. However, did you look into if this is the best way to cover your phone against damage?

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Free Stuff At Disney!, Shortest Lived Credit Card Benefit Ever, Why Planes Don’t Fly Over The Pacific, Country With Worst Behaved Tourists, & More!

And in the flash of an eye, November is finished and welcome to December! Here are our most popular posts for November 2019. Some of them were actually written before November (heads up that rules and offers change and we can’t guarantee that those older ones are still accurate), so take a look to make sure you didn’t miss any of the good stuff:











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This post first appeared on Your Mileage May Vary