Using your plastic overseas

The UK payments association has issued the following helpful information:

4 August 2008

Payment Advice - Helpful information from the UK payments association

Whether you are going overseas on business or for a holiday, paying by card is almost always the most convenient way to pay. As long as your card carries an international card scheme brand, such as MasterCard or Visa, you will be able to use it at most shops and cash machines around the world. Additionally, you get the added peace of mind that you will get your money back from your card company if you are an innocent victim of card fraud.

Being a victim of theft, fraud or not being able to use your cards is a huge inconvenience, especially if you are abroad. However, following common sense precautions before, during and after your trip overseas can help minimise your chances of being a victim of card fraud.

For instance, make sure your card company has your up-to-date contact details, including a mobile number. If your card company detects unusual spending patterns on your card they may try to contact you to check that the transactions are genuine - they could block your card from being used if they cannot get in touch with you.

Similarly, it is advisable to have your card company's 24-hour phone number with you, in case you need to contact them because of any difficulties. The number will be on your card statement or on their website.

These, and other simple tips can help ensure your time overseas is hassle-free:

Staying safe overseas: top tips

Before you go overseas

  • Only take cards with you that you intend to use; leave others in a secure place at home.
  • Make sure you have your card company's 24-hour contact phone number.
  • Make sure your card company has up-to-date contact details for you, including a mobile number.
  • If your cards are registered with a Card Protection Agency, ensure you have their contact number and your policy number with you.

When you are overseas

  • Don't let your card out of your sight, especially when using it in restaurants and bars.
  • Don't give your PIN to anyone - even if they claim to be from the police or your card company.
  • Shield your PIN with your free hand when typing it into a keypad in a shop or at a cash machine.
  • Only withdraw money from a cash machine as you need it rather than carrying large amounts of cash.
  • Consider wearing a concealed money belt to keep your cards, cash and traveller's cheques safe.

When you get back

  • Check your card statements carefully for unfamiliar transactions.
  • If there are any, report them to your card company as soon as possible.

Part two - charges when paying overseas