Your credit card may be a reason for your convenience or a way to bring problems for you to travel:
When you arrive at the destination after long planning and there at the airport with your family and happiness look on the faces of family members, you are comfortable and have some cash and credit card and also a cashier card to withdraw additional cash when needed going to take bags and end routine procedures and then happily go to the office intended To receive the car that you have rented, the employee asks you for the credit card to offer him an attempt to withdraw the amount but the employee apologizes to you by refusing the process you can refund the cash payment but the employee asks you to provide him a valid card can't accept cash .. Problems from the first day If you do not take financial matters seriously and know all things related to the credit card and travel there is no room for consultation or re-planning, especially when there are a family and children, but must be available precautions and use whenever any circumstances and I will touch here some of the points that I drew from the experiences My friend and I here are talking about credit cards, not pre-paid cards. There is an explanation of the difference between the two cards at the end of the article.
Before Traveling:
- I think it is best to carry 3 credit cards and I will explain the reasons in your part while traveling.
- It is preferable to have different cards, such as a MasterCard or American Express or Visa card.
- Before traveling, you can request a credit limit to obtain sufficient capacity when booking an insurance deposit, usually when booking a car and so on.
- Some credit card companies - respectable ones - request to notify them before traveling to the destination you want to travel in order not to stop your card suddenly in the belief that the card is stolen because the good companies to follow up the existing operations and when there is an external operation is stopped the card until the verification of the best Contact the company or bank before traveling and notify them.
- Write down the card data in a safe place and call numbers for international call support to call when needed or when the card is lost or stolen. God willing, the toll-free numbers starting at 800 will not work from abroad.
- Different cards at the exchange rate are the amount of currency difference and you can confirm the source of the card before travel and ratios vary slightly between companies.
- Some credit cards offer travel insurance when a specific operation is performed. For example, a company offers insurance when booking tickets to the destination and if there is a delay in the flight or cancellation of the trip, and also when the theft of the baggage (and not the loss) is compensated in addition In case of theft, it is possible to ask for compensation for what has been stolen and all that is required is to submit an official request in addition to a documented report of the incident from the responsible authority, such as the police and others.
- Do not forget to sign the card from the back and some authorities refuse the card in the absence of the signature even if you signed in front of him and will ask for another card signed and I remember one time I bought from a known shop and during the presentation of my card was rejected, although it signed on the pretext of unclear signature and you Clarifying that the time factor survey the parameters of the signature was not satisfied and provided an alternative card and then made sure that the signature is always clear all cards.
While Traveling:
- When you carry more than one card is preferable to put a card in the safety deposit box in the event of theft or loss God Almighty and this possibility and carry two cards on the move because the card may not work sometimes or may not be supported by the merchant during the process is using the backup card.
- The worst behavior is the use of the card without the ability to pay the credit benefits and then engage in interest transactions and falling into the trap of benefits, so spending should be based on the ability to pay full during the maturity period and not the method of random exchange.
- The cash withdrawal from the credit card can't be free from entering into a riba-based transaction because all cards draw a fixed percentage of the withdrawn amount. Cash must be secured in a way other than the credit card.
- Keep the receipts, especially in the large purchasing processes to take advantage of them when there is a problem later.
- In some restaurants and cafes in the countries that are known to pay the tip of their employees (Canada, for example). When you pay by credit card there is a special box for the amount you would like to pay as a tip. Do not leave this box blank so that the fraud will not occur even if you pay the tip in cash and you can write that the tipping on the table Or similar phrases in the space allocated on the invoice.
- Do not allow to take the card away from your eye where it is easy to record data card in the event that disappeared from your eye and then use your data in fraud and also may be exploiting your anonymity by passing the card devices that save data for the card.
- Never use a credit card in small and unknown shops and prefer to pay in cash to avoid any fraud.
Credit Card And Prepaid Card:
Credit cards are cards that come with a pre-balance without the need to pay the amount from your account and are paid when issuing the statement of account and have a credit limit can't be exceeded, and prepaid cards, which are without balance and are shipped when you want to use and provide only an amount for the amount that you put the card This may be a poor option and may cause some unexpected problems especially for the amounts booked as a deposit. An example of this is when you book a hotel and arrange your accounts on the basis that the cost is 10 thousand riyals. Up to 50% of the actual cost per night which means an additional amount not taken into account. This reserved amount is used if you use any of the hotel's hospitality services, such as restaurant, parking or otherwise, as a guarantee of payment. Services are refunded after a period of departure from the hotel for the card, I would also like to note here that prepaid cards are not accepted by some parties like most car rental companies and some hotels and do not expect that some employees will meet with a smile when watching this card.
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