Traveling should be a relaxing and enjoyable experience. But surprises, especially those ties to your finances, can divert the fun, and sometimes ruin a trip if overlooked. Here are eight financial travel tips you should follow before your next trip to ensure smooth sailing!
- Contact Your Credit Union or Credit Card Company
Nothing is worse than swiping your card on vacation and getting denied. Setting a travel notice before your trip lets your credit union or credit card companies know of your travel plans so they can notate your account and expect activity outside your normal spending pattern.
If you are a Noble Credit Union member, you can set a travel notice in Online Banking or by calling the Contact Center during business hours at 559-252-5000. Please be sure to notify the Credit Union at least 3 - 5 days before your departure date so we can limit any inconvenience to your card usage.
- Carry a Backup Card
Bring at least two valid, permanent cards with you on your trip, in case one gets lost, stolen or damaged. Also double-check the cards' expiration date, and make sure you plan according.
- Sign Up For Mobile or Online Banking
Many people use online or mobile banking. But for the frequent traveler, online and mobile banking is a fundamental and essential way to monitor and manage your accounts from almost anywhere. Just remember, it is important that you have your contact information updated - you will need it if you log in from a different device.
- Pay Your Bills Before You Go
When you're exploring on vacation, the last thing you want to be concerned about is if your bills were paid. Instead of worrying, pay those bills in advance. If you have Online Banking, you can set up for payments to be sent while you're away.
- Make Copies of Your important Documents
Hopefully you will never need this one. But if you ever do, you will be glad you have it! Make two copies of your passport, credit cards, and other travel documents. Leave one copy with a friend or relative or home and store the other copy in a safe location only you know about. You may need this information if your card is lost or if you have other difficulties.
- Do Your Research When Traveling Abroad
If you're traveling internationally, research places and ways to ensure you can safely access your accounts from outside the United States. Also, be sure your PIN does not start with a zero, and know your PIN by the numbers, as some foreign ATMs do not have letters on the keypads.
- When It Comes to Cash, Plan Ahead
It's a good idea to plan ahead and make sure you have cash on hand in case there are no branch locations or ATMs where you're headed. Know your daily card limits before you leave and make sure they will fit your needs. Also, when using ATMs keep your cash out of sight and only use ATMs in safe locations.
- Ask About Foreign Transaction Fees
Ask your credit union and credit card companies about foreign transaction fees and fees for withdrawals at an international ATM. This will help you figure out if it is best to use your card or if you should consider converting your cash to foreign currency. If you are a credit union member, there is a $2.00 foreign ATM usage fee (non-Co-Op).