I did buy some jewellery and they did try to make contact with me, ONLY they tried to contact me on my HOME phone.
My son answered and told them I was in Turkey on holiday. Oh, they said, someone is trying to use her VISA card abroad...........
I was lucky I had another card with us (Nationwide Flexi)
I also use a Nationwide Flexi card when abroad and they to like to be informed when you will be using it abroad. Applies to both the debit and credit card I asked if they would let me put a limit on the credit card but the lady said there was a limit on it already yes I know says I but I wish to reduce the said limit, reply was I would have to reduce it on a permanant basis ie not just for the period of my holiday? Never bothered to pursue it any further but I thought they could do what I was asking perhaps another phone call is required or does any Nationwide member know of them letting you reduce your credit for the period of your holiday?
I've got a Nationwide card which I only use when on holiday. Last year when I was depositing my holiday spending money at my local branch, I was having a chit chat with the cashier and said my account was for holiday use only. She advised me to notify their Customer Services Department as it was going to be extensively used abroad.
Thankfully no transactions were queried and I will be notifying again before we go to Spain in August.
That said, I have used other credit cards abroad with no problems either so it's not just the Nationwide who don't check.
Briar, you were probably cheaper using the N/W card rather than HSBC as HSBC load the exchange rate they give you by about 2.75%.
I use mine all the time abroad with never any issues, but just prior to going to Vegas last year (knowing I'd spend some!!) I enquired by letter and received a letter back saying you don't have to inform us about trips abroad, we regularly monitor our customers spending habits and know what to look for.
they said I wasn't authorised for abroad I NEEDED MY HUBBY'S PERMISSION as it was a joint account!!
This is probably because it isn't a joint account as such - with a credit card it's more likely that, from the sound of it, he is the principal cardholder and you are an authorised user of the account which is slightly different. As principal cardholder I've got to state what 'permissions' any other user can have on the account and it sounds as if when it was taken out he didn't ask for the bar on using it abroad to be removed. When travelling as a couple it can often be a good idea to have the cards for two separate accounts with you - with one of you being the principal cardholder for one and the other being the principal cardholder for the other card if you see what I mean? Then if something happens to one of you (God forbid!) you know you still have the use of a card for which you have full rights and permissions for use etc.
Do i ring a number or just go into the branch?
I just came across this post while searching for info on using credit/debit cards abroad. I'm a journalist and I'm currently writing a story about this. I'm looking for people to interview who have experiences of having their card blocked or swallowed overseas, and also people who've been victims of fraud in other countries.
If anyone is interested in telling me their story, please message me asap and I can give you more information about the magazine it is for and about me.
I went to Germany in March and couldn't use my HSBC debit card in many places but was able to draw out cash in certain banks. Carrying cash abroad defeats the object of having a card and is more worrying.
When I returned home I enquired about this at my HSBC branch and was told that maybe a block had been put on my card. I asked if this was the case, why had I not been informed of the block. According to the adviser, it is my responsibility to tell the bank when I am going out of the UK.
Now I have been going to Gran Canaria twice a year for the past 6 years and never once have needed to contact my bank in order to get clearance to use my debit card. Apparently this 'blocking' has been brought in by HSBC as a security measure due to increasing card fraud.
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