Safety Checklist for Using Credit Cards Overseas

Traveling abroad can be an exciting adventure but it requires careful planning, especially when managing finances. As a Texas Bay Credit Union member, using your credit card overseas can be convenient and rewarding. We will guide you through essential safety tips to ensure a hassle-free and secure financial experience during your international travels.

Getting Acquainted with Your Texas Bay Platinum Rewards Mastercard^®

Instant Card Issuance and Contactless Payments

• Immediate Card Availability: Walk into any Texas Bay branch and walk out with your credit card on the same day you apply.
• Ease of Contactless Payments: Embrace the convenience of touch-free transactions using digital wallets like Apple Pay, Google Pay, and Samsung Pay, which enhance security and reduce the need to carry cash.

Earn as You Travel: Rewards and Cash Back

Earn valuable points for each purchase, which can be redeemed for cash back. This feature turns every transaction abroad into an opportunity to save.

Prioritizing Safety and Security

Proactive Fraud Protection

• Always Watching Over Your Transactions: With 24/7 fraud protection, any suspicious activity is immediately flagged, keeping your funds secure.
• Immediate Alerts and Zero Liability: Receive instant alerts for unusual activities. In case of any unauthorized transactions, report promptly to benefit from the zero-liability policy.

Complete Control with the Mobile App

Use the Texas Bay mobile app to set spending and geographic limits, monitor transactions, and temporarily lock your card, giving you complete control over your card's security.

Enhancing Your Travel Experience

Global Accessibility and Advanced Security

• Access to Funds in Other Countries: Use your card at Allpoint ATMs in the UK, Canada, Puerto Rico, Mexico, and Australia, ensuring you're never stranded without cash with no transaction fee.
• Secure Transactions with EMV Chips: Benefit from the global standard in card security, reducing the risk of card cloning and fraud.

Mastercard^® Benefits for the International Traveler

• Mastercard ID Theft Protection™: Stay ahead of identity thieves with advanced monitoring tools.
• Mastercard Global Service™: Get immediate assistance anywhere in the world for lost or stolen cards, including emergency card replacement and cash advances.

 

Travel Preparation and Notifications

Informing Texas Bay of Your Travel Plans

• Pre-Travel Notification: To prevent potential blocks on your card, notify Texas Bay of your travel itinerary before leaving the country. This can be done quickly through the mobile banking app or by calling customer service. Provide details such as travel dates, destinations, and card numbers.

Understanding Fees and Rates

Foreign Transaction Fees and Interest Rates

• Transparent Fee Structure: Be aware of the foreign transaction fee, up to 1% of each transaction. Understanding these fees helps in budgeting your travel expenses more accurately.
• Interest Rates and Charges: Familiarize yourself with the APR and other charges such as cash advance and balance transfer fees. Knowing these rates helps you manage your finances better while abroad.

 

Ready to Take Your Travels to the Next Level? Open a Texas Bay Platinum Rewards Mastercard^® Today!

Get your Texas Bay Platinum Rewards Mastercard^® today and enjoy instant card issuance, robust rewards, and unparalleled security features. Whether you're shopping in Paris, dining in Tokyo, or exploring the markets of Marrakech, your Texas Bay Platinum Rewards Mastercard^® is the perfect travel partner. Apply now and experience hassle-free travel with a card that rewards you at every step.

Don't let your travel experiences be just about the destinations; make them rewarding with every purchase. Visit Texas Bay Credit Union today and embark on your journey with a credit card that truly goes the distance for you!