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Why Telling Your Bank Where You Go Is Important




On Flyertalk, tsmith12 posted:

My card got stolen when I mailed the card back- since it was a replacement (with the same number), the person used the card at drive-thru’s and gas stations. Luckily I was overseas and had informed Chase of my travels, so they emailed me wondering if I was the person using the card at my local area establishments. Unless the account is completely closed, I’ll never mail my old/used/replacement cards ever again. Lesson learned.

Fortunately for the poster, they notified Chase of the travels and Chase inquired about their whereabouts when charges appeared domestically while the poster was overseas. Besides the fact it allows the banks to know where you are so it’ll allow charges to go through internationally, but apparently, it also is a good way to stop fraudulent charges while you are away.

The poster’s experience reminds me of my own experience when my Sapphire Preferred number was stolen. I still think the number was skimmed while I was in Las Vegas. Chase quickly figured out my card was fraudulently used when charges were showing up in Atlanta and I had used the card the same day in New York City.

So the next time you think about an extended vacation, consider telling the bank where you will be even if you will not use the credit card because of a foreign exchange fee. It will be your insurance plan. At least for Chase, it’s quite easy to do it yourself for a travel note online.

 

Here is the guide to leave a travel note for Chase in 3 easy steps with big red arrows:

 

chase_travel_notif

Chase

5 comments… add one
  • Oddly enough I’ve recently received letters from chase for each of my cards stating I no longer need to notify them of travel.

    Reply
  • I’ve been thinking about the best way to handle this same kind of situation.

    My fiance is an authorized user on my CSP card and will be traveling to the UK this summer. I, however, am staying behind. Because her authorized user card has the same numbers as mine, how would I go about setting up a travel notification for just her so I can continue to use the card in the USA? The Chase site doesn’t list her card separately. Gotta do it for the Barclaycard Arrival too!

    Reply
    • I believe because of AU cards have the same number and CVV numbers, setting it once with Chase and you should be good. For the destination field, I suppose you could put the cities that you will be in and the cities your fiance will be in to be on the safe side

      Reply
  • I had no idea this could be done online. Thanks!

    Reply

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