{"id":15595,"date":"2023-09-05T14:42:00","date_gmt":"2023-09-05T18:42:00","guid":{"rendered":"https:\/\/desis.osu.edu\/seniorthesis\/?p=15595"},"modified":"2023-09-05T14:42:01","modified_gmt":"2023-09-05T18:42:01","slug":"your-travel-checklist-10-tips-for-a-worry-free-vacation","status":"publish","type":"post","link":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/2023\/09\/05\/your-travel-checklist-10-tips-for-a-worry-free-vacation\/","title":{"rendered":"Your travel checklist: 10 tips for a worry-free vacation"},"content":{"rendered":"\n

2\u00a0Protect your accounts while traveling\u00a0<\/strong><\/p>\n\n\n\n

While shopping or dining in a new city or country, you may swipe your debit or credit cards often. Consider using tools that help protect your card transactions from fraud while you travel. For example, when turned on, your phone\u2019s location services may be able to verify card transactions when you make a purchase in an unusual place. Bank of America no longer requests that customers set travel notifications, due to ongoing security efforts that include monitoring your accounts and sending automatic alerts to your phone or email if suspicious activity is detected. Just make sure your bank and credit card company have your email address and mobile phone number so you can be reached while you\u2019re traveling.<\/p>\n\n\n\n

3\u00a0Sign up for mobile or online banking\u00a0<\/strong><\/p>\n\n\n\n

Many people do some of their banking online or through a mobile app. But for the frequent traveler, online and mobile banking are invaluable ways to monitor and manage your accounts from almost anywhere, including the beach. Just remember, it\u2019s important you know the answer to your online banking security question\u2014you\u2019ll need it if you log in from a new computer.<\/p>\n\n\n\n

6\u00a0Take extra precautions when going abroad\u00a0<\/strong><\/p>\n\n\n\n

If you\u2019re traveling internationally, take steps to ensure you can safely access your accounts from outside the United States. It\u2019s a good idea to prepare your PIN before traveling abroad. Some international ATMs only support four-digit PINs. 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. Some foreign card readers may require you to use a PIN with your credit card. In these cases, you\u2019ll need to use the PIN assigned to your card, so make sure you know it ahead of time. Try to memorize your PIN and avoid writing it on your card or keeping it in your wallet.<\/p>\n\n\n\n

8\u00a0Make sure your credit cards are travel-ready\u00a0<\/strong><\/p>\n\n\n\n

Bring at least two valid, permanent cards with you on your trip, in case one gets lost or stolen. Keep in mind that temporary cards don\u2019t always work, and replacement cards can take several days to arrive. Double-check the cards\u2019 expiration dates, and write down the numbers for customer service; keep them in a separate, safe place in case you need to call them for any reason. If you\u2019re traveling internationally,\u00a0look into a bank or other issuer of chip cards<\/a>, as the chip data is more difficult to capture for a new fraudulent card to be used elsewhere. You may even consider adding eligible debit and credit cards to your device\u2019s digital wallet to\u00a0pay for purchases using a virtual card number on your phone<\/a>\u00a0so merchants don\u2019t receive your actual card number.<\/p>\n\n\n\n

9\u00a0When it comes to cash, plan ahead\u00a0<\/strong><\/p>\n\n\n\n

If you\u2019re traveling domestically, it\u2019s a good idea to make sure you have cash on hand in case your bank doesn\u2019t have locations or ATMs where you\u2019re headed. If you\u2019re traveling internationally, you\u2019ll probably want to order foreign currency ahead of time. This way, when you land, you\u2019ll have local currency ready to go so you can pay for taxis, snacks and other incidentals without having to track down a currency exchange.<\/p>\n\n\n\n

10\u00a0Find out where you can bank locally\u00a0<\/strong><\/p>\n\n\n\n

Your bank may not have a location or ATM convenient to where you\u2019re traveling, even if the bank is a national chain. Look up the closest location to your destination. This is true of international travel as well. If you\u2019re headed abroad, check and see if your home bank has partnered with banks abroad. Using a partner bank\u2019s ATM may help you avoid certain fees. Generally, you can find your bank’s partner network on its website or by calling.\u00a0Bank of America\u2019s locator allows you to\u00a0search for international partner ATMs<\/a>.<\/em><\/p>\n\n\n\n

Analysis<\/strong><\/p>\n\n\n\n

This article gives a lot of good insights on the best ways to avoid trouble with spending while you’re abroad. Avoiding fraud appears to be the main goal, though every time you swipe your card, you’re pretty much exposing yourself as a potential victim. The best countermeasure appears to be online precautions put in place before you leave, where you can verify your identity and have access to your account. Another good precaution is to have doubles of anything important, like coming with 2 credit cards or a digital wallet to ensure you always have a way to pay for something. And you have to remember to check where your card is compatible and whether or not it has international fees. Then the question becomes whether or not you need cash, and this article says yes – they even say to exchange currency before! There are a lot of ways to tackle safe spending while abroad, and a lot of it lies in precautionary actions. I’m wondering if there is a way to consolidate them all into one place, or even a few easy steps?<\/p>\n\n\n\n

Source<\/strong><\/p>\n\n\n\n

Better Money Habits. (2022, December 13).\u00a0Travel checklist for a worry-free vacation<\/em>. https:\/\/bettermoneyhabits.bankofamerica.com\/en\/saving-budgeting\/travel-checklist\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

2\u00a0Protect your accounts while traveling\u00a0 While shopping or dining in a new city or country, you may swipe your debit or credit cards often. Consider using tools that help protect your card transactions from fraud while you travel. For example, when turned on, your phone\u2019s location services may be able to verify card transactions when […]<\/p>\n","protected":false},"author":110,"featured_media":15596,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":{"0":"post-15595","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-focus"},"_links":{"self":[{"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/posts\/15595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/users\/110"}],"replies":[{"embeddable":true,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/comments?post=15595"}],"version-history":[{"count":1,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/posts\/15595\/revisions"}],"predecessor-version":[{"id":15599,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/posts\/15595\/revisions\/15599"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/media\/15596"}],"wp:attachment":[{"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/media?parent=15595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/categories?post=15595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/desis.osu.edu\/seniorthesis\/index.php\/wp-json\/wp\/v2\/tags?post=15595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}