It’s that time of year – summer getaways are in full swing! You saved and planned for the cost of the trip. You checked the weather so you know what you’ll need to pack. Next step, make sure you’re ready to handle your finances, so you can relax and enjoy that well deserved trip. Here are a few summer travel tips from Your NC Community Credit Union!
Before Your Leave:
- Inform NC Community Credit Union and any other financial institutions to note on your account that you anticipate transactions from the location you are traveling. Atypical transactions could trigger a fraud alert – that is why it is a good idea to give us a call to have a travel advisory added to your account!
- Pay upcoming bills. While you’re on vacation, you want to relax and not worry about anything. Even if your bills are due the day you get back, it is best to pay them before you leave or set up automatic payments. You may be tired when you come home, and it could take some time to get unpacked. In the interim, you don’t want to miss a payment.
- If you plan to use your VISA debit or credit card, check the expiration date before you leave. Cards expire on the last day of the month indicated. If your card will expire while you’re away, contact the credit union and ask for a replacement card early so you’ll receive it before you leave.
- Create a list of the contents of your wallet: debit, ATM, and credit cards, and anything else you might need to replace if your wallet is lost or stolen. Don’t photocopy your cards; this could give thieves all the information they need to transact on your account.
While You’re Traveling:
- Have a variety of payment methods available, such as credit cards, debit card, and local currency, so that something unforeseen doesn’t leave you in a pinch.
- Keep your cards and cash in different places. Luggage, briefcases, articles of clothing, purses, and wallets can all be easily lost or stolen. It is a good idea to separate your cash from your payment cards and put your various payment cards in different places such as in your luggage, in your briefcase, or in a wallet or purse you carry separately. This way, if one of your cards is lost or stolen, you will still have access to funds when needed.
With a little planning and forethought, you can have a great vacation!
