Terms of security in the use of plastic payment cards in the journey

Modern man is actively touring the world - on business trips and on vacation. Of course, traveling often have to spend money, especially in foreign currencies, the euro and the dollar. What could be more convenient plastic card for regular spending abroad?

However, often abroad, credit cards can deliver as many problems as pleasurable. Surely you've heard hundreds of stories about how credit cards stolen as they disappear with the money - in a word, "the horrors of plastic." Let me tell you about how to avoid such problems.

• First of all, I advise you to have two credit cards, and connect to mobile banking (it is at all sufficiently large banks). The first bank card (let's call it "workhorse") is meant for regular expenses. She needs to pay in cafes, restaurants, shops, hotels. The second bank card (though it will be "business") is intended to replenish accounts for various services, payment of plane tickets, services, major purchases. As you know, most of the credit cards stolen by unscrupulous officials in the various cafes and affordable - that is why we will give them "workhorse." Fraudsters to profit is nothing special - the card there are small and quite specific amounts of money to spending, and the card itself must be as simple as possible and not credit (Visa Electron or most inexpensive MasterCard). "Business" card will help save sikdki on major purchases and store bonus miles on flights. Both cards must be connected via Telebank. Train yourself not to keep large sums on plastic (well, except that in the "business" card, you can keep all the time a couple of hundred dollars on a spontaneous purchase). Steal money from Telebank is impossible, but to remove a credit card - completely. So my advice - keep all the money in the account Telebank, translating into the desired amount of the desired card. We flew to New York and came to go into town - throw off $ 200-300 to "workhorse" and Spend it. In the evening back to the hotel and transferred to the rest of it back to the account (imagine the face of a rogue waiter who copied the card number and night will try to remove her a couple of dollars). You are going to buy something big and large? Put the money on the card from Telebank directly prior to purchase, for sure you have at hand is a smartphone or a tablet. Many such an approach may seem paranoid, but do not rush to laugh - usually smile at those who have never encountered carding and other types of fraud. Better to spend a couple of minutes to fuss with Telebank, than to worry about missing money.
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• Be sure to connect of SMS-notification of all outbound operations with plastic. If it does happen trouble and you withdraw the money, you will learn about this in just a few minutes after the operation and can make moneyback.
• For the "workhorse" set the daily limit withdrawals.
• On the reverse side there are any number of plastic bank support. Write it in the phone book and write down on a sheet of paper (which you can put in your purse or Holder for documents). What do those who have suddenly stolen card? That's right, going to call the bank to block it. And where the phone was written bank? On the card itself, which has just been stolen. Be smarter.
• Despite the fact that credit card to pay much more convenient than in cash, have all the same little notes and stuff to pay for itself in places that are not credible.
• If money is not enough, and, for example, the restaurant seems suspicious - do not give the card in the hands of the waiter, go with him to the bar and observe the operations in person. Typically, when a customer is watching all the manipulations, the cashier immediately lost the desire to cheat.
• Look carefully to check that you bring a signed. It must stand the correct amount and your card number. Look at the sum of all the commas and points are where they should be? Remember that in the west digits separated by commas, and fractions - points. If we have 13.200, 23 (thirteen thousand two hundred and twenty-three), they have it 13,200.20. With discharges are often trying to "warm up" inexperienced travelers - from the card can write off the amount that a hundred times more necessary, and return the money will be extremely difficult.
• Do not withdraw money from ATMs in the street - they can easily be skimmers (devices placed on trays receiving cards and discreetly relieving credit card data). If you need to withdraw money - walk to a bank branch. In some countries, the scammers may even produce fake ATM, and all in order to find out your credit card number and pin. In Asia, often use a funny type of fraud, which is called the "Lebanese loop" - tray kupyurovydayuschego device sealed with tape. Money from the card removed, and the cash and has not appeared - the cardholder goes to the bank to complain about a broken ATM machine, and a crook peels tape and takes the money.
• After a trip, check with the account statements of operations, and at the slightest suspicion immediately contact your bank and ask for an explanation moneyback.

It is also very useful information on bank cards can be read here.

Following these simple rules allows you to protect yourself is almost 100%. Be careful and accurate, then your credit card will only be used by you.