Imagine yourself enjoying your vacation abroad, when suddenly your bank card is blocked. A stressful and unpleasant situation from which no one is immune. How to deal with this problem and, better yet, how to prevent it? Here are some tips and tricks to avoid credit card blocking and to know what to do in the event of a delicate situation when traveling abroad.
Why a bank card can be blocked abroad #
When you travel, a bank card blocking can occur for various reasons. This may involve exceeding withdrawal or payment limits, suspicion of fraud by your bank, or even incompatibility with local ATM networks. Understanding the reasons for these blockages can help you better prepare and avoid inconveniences during your stay.
Precautions to take before leaving #
To avoid unpleasant surprises abroad, here are some reflexes to adopt before leaving French soil.
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- Inform your bank of your trip : Inform your bank of the dates and destination of your stay. This will allow your advisor not to suspect fraud by seeing unusual transactions.
- Temporarily increase the limits : Ask your bank to temporarily increase your withdrawal and payment limits. This can help you avoid having your card blocked due to pre-authorization on important transactions like booking a hotel or renting a car.
- Traveling with a second bank card : Having a second card, ideally from another bank, can be a lifesaver. If there is a problem with your main card, you will always have an alternative.
If your bank card is blocked #
Despite all precautions, you may have to face a bank card blockage. Here are the steps to take if this happens.
- Create a virtual card : Some banks offer the possibility of creating virtual cards via their mobile application. These cards can be used for online or contactless purchases and sometimes even for cash withdrawals from compatible ATMs.
- Use money transfer services : If you absolutely need cash, you can use services like Western Union. It is possible to transfer money to yourself or ask a loved one to do so.
The advantages of online banks #
Online banks like Revolut, N26 and BoursoBank can be particularly useful when traveling abroad. They often offer free cards allowing fee-free payments and withdrawals in many countries. In addition, in the event of loss or theft, the opposition is instantaneous via the application, and a new virtual card can be created immediately to continue your transactions with complete peace of mind.
Anticipate for a worry-free vacation #
Anticipation is the key to avoiding bank card problems abroad. By informing your bank, adjusting your limits and having a second card, you ensure that your spending goes smoothly. And if a problem ever arises, solutions like virtual cards and funds transfers can save the day.
Traveling with peace of mind also means knowing that unforeseen events can arise and preparing effectively for them. Have a good trip !
