Travelling is an exciting experience, full of new places to explore, cuisines to savour and memories to create. But amidst all the joy, it’s easy to overlook something as crucial as protecting your finances.
When you’re on the move, your cards become your lifeline, making it essential to ensure they’re safe and secure. After all, no one wants an adventure to turn into a stressful situation. But don’t worry.
Here’s a guide to help you shop with confidence while keeping card fraud at bay during your travels.
1. Carry only one credit card
When you’re travelling, it’s best to carry just one credit card. This way, if something goes wrong, like losing your wallet or being a victim of fraud, you only need to worry about one card. Pick a card that works best for you and offers good fraud protection. Leave a backup card at home or with someone you trust. Having fewer cards also makes it easier to track your spending and avoid confusion. The idea is to keep things simple and reduce the risks while you’re away.
2. Activate your alert notifications
Set up alerts on your credit card for every time it’s used. Banks or card companies can send you a text or email to let you know when a transaction happens. So, you’ll know right away if someone else is using your card without permission. You can also set alerts for things like spending limits or number of transactions. These notifications help you stay in control and catch fraud quickly. Just make sure the bank has your correct phone number or email address so you don’t miss any updates.
3. Keep an eye on your card at all times
Don’t let your credit card out of your sight when paying for things. For example, at restaurants, ask for a portable card machine so you can swipe it yourself. If someone takes your card out of view, they might copy your details or misuse it. When not using your card, keep it in a safe place, like a secure wallet or pouch. Being careful with your card helps protect it from getting stolen or cloned, so you can enjoy your trip without any trouble.
4. Store the customer support number of the card issuer
Before you leave for your trip, save your bank’s customer support number in your phone and write it down somewhere safe. If your card gets lost or stolen, you’ll need to call them to block it right away. Make sure the number works across India. Having this number handy can save you a lot of stress and help you take action quickly if there’s any issue with your card.
5. Crosscheck your credit card statement after travelling
When you return from your trip, check your credit card statement carefully. Look at all the charges and make sure they match what you actually spent. Fraudsters sometimes start with small charges to test your card, so watch out for anything that doesn’t look right. Compare your receipts with the statement and report any suspicious transactions to your bank immediately. Doing this helps you catch any issues early and keeps your finances safe after your travel.
Manage your Kotak811 credit card on the mobile banking app
From tracking your transactions to setting alerts and even locking your card in case of emergencies, it’s all at your fingertips. Stay in control of your spending, monitor your usage and manage your credit card securely, anytime, anywhere. Download the Kotak 811 Mobile Banking App today and experience the convenience of seamless credit card management right from your mobile device.
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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.
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