Published in: Credit Cards | Jan. 17, 2019

Should I Alert Chase if I Plan to Travel With My Credit Card?

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Your bags are packed, your tickets are printed… but did you notify your bank?

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Planning a vacation abroad can be stressful, but once you’re on the ground in your destination, you can rest easy. That is, unless you forgot to notify your bank.

If you didn’t alert Chase about your travel plans before hitting the road to an international destination, you might make it all the way through customs and to your hotel only to be hit with a nasty surprise: your credit card isn’t working.

That’s because banks have rigorous systems in place to flag fraudulent activity and block it before it happens. While this generally works in your favor to protect you from fraud, your bank may get a little over-zealous and assume that a charge in a country you’ve never been to is being made by someone else.

While there has been talk of some banks no longer needing you to notify them of your travel plans, it is still recommended that you set up a travel notification with Chase before going abroad. For debit and ATM cards, you’ll need to set up a travel notification within 14 days of your departure. For credit cards, you can set up a travel notification up to a year before leaving. Chase will update your file within 24 hours of receiving your notification.

Luckily, this is fairly simple to do with Chase and can be done fully online or by phone.

How to set a travel alert on Chase credit cards online

To set up travel notifications on your Chase credit cards online, you’ll first need to log into your Chase account. After that, complete the following steps.

1. Click on the menu in the top right next to the “Sign Out” button. Select “More settings.”

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2. Scroll down to the bottom and select “Travel” under “More Settings.”

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3. From here, you can choose to update travel notifications on your debit cards or credit cards.

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4. Once you select “Update,” you’ll be asked to fill out this form with your travel plans. Select “Save” when you’re done, and Chase will update your account within 24 hours.

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How to set a travel alert on Chase credit card by phone

If you prefer to speak with someone over the phone, that is also possible. You can give them a call at 1-800-432-3117 to let them know when you’ll be traveling and where.

If you’re not used to using your Chase credit cards while abroad, you may also want to ask them about any additional fees associated with international use. For example, some of their credit cards charge foreign transaction fees on each transaction you make while abroad. There will probably also be fees associated with using foreign ATMs, so make sure you know what they are.

The best way to avoid fees while traveling internationally is to get a good travel credit card. These cards typically don’t have foreign transaction fees, and they also earn valuable travel points. As a frequent traveler, you may also want to consider a premium travel credit card, while less frequent travelers may prefer a travel credit card with no annual fee. Either way, you’ll be collecting rewards that could help you book your next vacation for free.

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