Credit card catastrophe: Why it’s important to inform the bank when you travel abroad

Credit card catastrophe: Why it’s important to inform the bank when you travel abroad

So, I just got back from a three week adventure to Sweden, Finland and Russia and after ripping apart my bank for leaving me high and dry overseas, I have to admit – I should have made the call. Here’s what happened.

Unlimited, free cash withdrawals overseas? Easy packing.

As I was emptied my purse in preparation for the trip, I stood contemplating which credit card to take with me overseas. You see, my husband and I are lucky enough to have a German account from which we can withdraw money from any bank machine around the world. So, the easiest way for me to pay for things while traveling – and avoid massive charges on my Canadian credit card – is to take out money and just pay cash. That being said, I always take my Canadian card with me in case I run out of moolah and need to use the plastic.

Making payments prior to take-off

Since I was heading to Russia, where I had no idea how easy it was to get things done on the ground, I decided I should plan a little further ahead than normal. My itinerary had me flying into Stockholm, traveling onward to Helsinki and Kuopio, and then onto St.Petersburg for four days of discovery before heading home.

First of all, since the Russian visa application for Canadians (and Europeans) demands an invitation letter from the hotel for every applicant, we had to make our reservations months in advance. We reserved four nights in a three star hotel called History Hotel on the English Embankment (review of what is possibly the worst hotel in St.Petersburg, to follow) through St.Petersburg.com (mixed feelings about this site, you’ll find out why later). I made two separate reservations, since 4 of us were staying for 3 days, and only 3 were staying for the 4th. To make sure that we had the best possible “Russian” experience, we also booked tickets to see Swan Lake at the Hermitage! Needless to say, costs were adding up, but given the fact that I had made the purchases on the Canadian side of the ocean, I was sure there would be no problem with the order. Continue reading “Credit card catastrophe: Why it’s important to inform the bank when you travel abroad”