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Old 11-05-2014, 04:26 PM   #1
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Spare credit card?

In the past 3 months our credit card has been cancelled twice due to fraudulent use. The first was the day Target got hacked and the second was when a store clerk took our numbers and used the card later. Fortunately Capital One was on it right away and cancelled the cards. THis is fine but both times we had to wait about 1 week before we had new cards in our hands. A potentially huge problem when we're out on the road. I don't like to have multiple credit cards but as a precaution we need to have a backup card with a different account. Does anyone have an alternative solution to this dilemma?
Chuck
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Old 11-05-2014, 04:41 PM   #2
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DW and I always carry different credit cards when we travel so that if one is lost, stolen, or compromised we still have one we can use.
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Old 11-05-2014, 04:49 PM   #3
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Thanks Sailor. I think another wise precaution would be to keep the second card in a separate location in the event of a lost wallet.
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Old 11-05-2014, 04:50 PM   #4
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Quote:
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DW and I always carry different credit cards when we travel so that if one is lost, stolen, or compromised we still have one we can use.
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Old 11-05-2014, 04:58 PM   #5
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I`ve been locked out of a card a time or two, I carry more then one.
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Old 11-05-2014, 04:59 PM   #6
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Had a similar experience on our trip south in Jan/feb. About a week into the trip, DW's debit card [used for groceries and household stuff] was blocked by the bank because a series of their card #'s had been compromised. Called and they agreed to send a replacement card [new #] to a bank in the area. BUT refused to mail the new passcode [only to the home address]. Anyway the card could be used at point of sale. Before receiving the new debit card our primary credit card with Chase was blocked due to exposure to the Target scam. Notified us via email and overnighted new cards to the state park office for us to pick up. 2 days late on the way to the office to pick up the new cards, I stopped at the campstore that had Wifi and checked emails. Another notification this time from BOA reporting fraudulent activity on the card we typically only use for on line purchases. Had been using it exclusively on the trip for fuel at gas stations. Card had been cloned at a local station the day before and $2k in charges originated in New mexico had hit in 12 hours. Card blocked, fraud charges reversed and new cards over nighted to the park office. Within 48 hours we lost use of 3 different cards and all we had left was about $400 cash. Chase and BOA were very much on top of catching the problem and taking care of both blocking the accounts and getting us new cards via overnight shipping.

In anticipation of our upcoming winter trip, I opened a 3d card that will be our primary. The internet card is still in place and the old primary account will be strictly used as back up with the card buried in the RV / TV. I too hate having multi cards but we have always been very disiplined with our credit. No problem there. But last years experience did not fall on deaf ears. Get a back up card and use it enough to activate it and then put it in a safe place. Do not carry all your cards in the wallet or purse. Make sure you notify your bank when you travel so you won't run into problems with blocked transactions because you are out of your billing area. Squirrel away some cash for emergencies.
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Old 11-05-2014, 05:42 PM   #7
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Does anyone have an alternative solution to this dilemma?
Chuck
Why not use cash as the alternative?

I understand credit cards are a preferred method for lots of folks, but we just don't use them and favor debit cards when its absolutely necessary to have a card (i.e. hotel, car rental, flights).

We have a primary account that is used the majority of the time. However I also a second "emergency account" with a separate debit card that we can use incase our primary account is compromised in any way.

We have done this for several years now. It was quite an adjustment to eliminate credit cards, but now I don't miss them at all.
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Old 11-05-2014, 05:57 PM   #8
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I travel all the time both domestic and internationally. I use multiple credit cards from various banks. Often banks are on different networks so some of them will work where others won't. Sometimes networks may be out. I like to have options and I always carry cash just in case. Also most non U.S. vendors are using cards with chips in them rather than magnetic strips. I have both. Most card companies now require that travel plans be set up in order to avoid declines and fraud alerts even for just travel out of state. This can usually be done online before or during the trip and this is what I do. I am headed to New Brunswick next week and my banks already know about it. I set up travel notes on my cards last year and spent two weeks in Europe and never had a card declined. One thing that may trigger getting your card shutdown is charges at two different places at about the same time. My Chiropractor charges my card for my care plan on the 15th of the month. Once I was in Canada and used the card on the same day and bam, shut down. Took several hours to straighten this one out. The challenge questions from the bank were about stuff from 50 years ago like where my Social Security Card was issued. I was one at the time and had no idea and it wasn't from the State I was born in. Jezz... I hate computers.
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Old 11-05-2014, 06:03 PM   #9
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I get cash from my bank's ATM only and use cash exclusively since my Debit card # was duplicated and used in Alabama (I live in Washington State). I take an American Express along for dire emergency's but I have absolutely no faith in the card swiper /store terminal security anymore, especially for debit cards, no matter where I am. Yes, it's a risk carrying cash, but the hassle you go through with these card companies/banks just isn't worth it to me.
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Old 11-05-2014, 06:14 PM   #10
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X2 DON'T use a debit card like a credit card!!!!!!!!!!
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