Do you need to notify your credit card company of travel pla

Travel notices are less common because of improvements in fraud detection and security, including EMV chips and contactless cards. 

Ultimately it depends on your credit card issuer. For example, Capital One says there’s no need. But if you’re unsure about your issuer, it may be helpful to check before you travel.

What you’ll learn:

• Setting a travel notice can alert your credit card issuer about transactions you might make while away from home. 

• Thanks to improvements in fraud detection and security, you may not need to notify your credit card issuer or bank of your travel plans. 

• Capital One doesn’t require travel notices. Plus, your Capital One credit card is covered for unauthorized purchases if it is lost or stolen.

• Keeping your contact information up to date can be important if your credit card issuer needs to reach you during your trip.

Setting a travel notice with your credit card issuer alerts it about your upcoming travel plans. Doing so lets it know to expect charges from another city, state or country. But not all issuers request them.

If your bank or card issuer requires you to notify them of your travel plans, you might be able to do so online, over the phone or through the organization’s app. You can try calling the number on the back of your credit card or signing into your account on your card issuer’s website or mobile app.

There’s no need to tell Capital One about your travel plans, even if you’re traveling internationally. Just make sure the contact information associated with your account is up to date. That way, Capital One can contact you if there are any issues with your card.

Capital One security features help protect against credit card fraud. And cardholders also have $0 liability for unauthorized charges. 

If you’re a Capital One cardholder and your card is lost or stolen, you can instantly lock your credit card. And if you find it, you can unlock it just as easily. You could also add your mobile phone number to your account to get alerts if Capital One notices suspicious activity.

Thanks to improvements in fraud detection technology and security, many credit card issuers and banks—including Capital One—no longer require customers to set a travel alert. But if yours does, you can usually do so over the phone, online or in the company’s mobile app. 

If you’re looking for a card with travel benefits and security features, a Capital One travel credit card could be right for you.