Two bank employees gave the recommendation to customers who plan to use their credit cards while travelling to inform the banks with which they do business of their travel destination before they leave, as well as the travel period, and the amount expected to be spent via the card if possible. This is to ensure that the banks do not freeze the customers' credit cards because of the presence of dealings with them outside of the state.
They indicated that banks allow one or two transactions, and with little amounts at first outside of the country, and in the event of repeated usage, they stop the card, until the customer contacts the bank, and ensures that he is the person using it, and submits a request to reactivate it. In the event that repeated use occurs, they stop the card.
The two bank employees offered the customer a total of six fundamental pieces of advice that they should keep in mind while making purchases with their credit cards while they are away from home. The advice that is considered the most vital includes avoiding the use of the "Wi-Fi" feature when making payments, shopping only at reputable establishments, and ensuring that the one-time password (OTP) is activated at each transaction.
An critical step
In more detail, Tamer Abu Bakr, a banker, stated that "the most important step that the customer must take before travelling is to inform the bank with which he deals with the destination of travel, his desire to use a credit card or direct debit card, as well as the period of time he will spend there, and the amount expected to be spent if it is possible." This was in response to the question of what the most important step that the customer must take before travelling was.
In addition, he stated that "if this step is not done, and the customer uses his card outside of the country, the banks will stop it until the customer provides clarifications, and it is confirmed that he is the person using it."
And Abu Bakr continued by saying, "Also, when using the card, the customer must activate the password at every purchase, even if it is in small amounts. Additionally, the customer must put the card in the payment device and not use the (Wi-Fi) feature. Finally, the customer must never withdraw cash from the card, as doing so will cost him large fees as well as currency exchange differences." Additionally, he emphasised the significance of exercising caution when entering the password, avoiding any efforts to photocopy the card data, and making sure that one does not provide their credit or debit card information to any other party.
withdraw "cash"
In turn, the banker named Muhammad Ghazi stated that it is vital for the customer to inform the bank of the destination of their travel, the length of time they will be residing outside the country, as well as the size of the sums, if they are significant. He explained that "the banks allow the customer who pays with the card outside the country, for one or two transactions, after which the card is temporarily suspended, until the matter is clarified by the customer," and that "for this reason, it is preferable that the customer with the card contact the customer service centre prior to travelling, and inform the bank of his travel details."
Ghazi continued by saying, "The customer also must not withdraw cash (cash) from the card outside of the country because of the high cost of doing so. Additionally, the customer must use a password when making the payment, even if the purchases are in small amounts, in order to avoid any breaches."
Before you go on your trip, consider the following, credit card holders
- Notify the bank of the specifics of the trip, including the length of stay and the anticipated amount spent.
- Make sure that the "OTP" password feature is turned on.
- Do not use the "Wi-Fi" feature to pay for anything.
- Not taking "cash" out of the account on the card.
- When typing the "password," make sure you do so carefully.
- must keep the details of the card to themselves and reveal it to no one else.
One or two transactions with initial low amounts are allowed to take place outside of the country by most banks.
