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How to get around blocked credit card transactions?


by @nomadaccountant | 4yr  | 15 comments

it seems like Visa have gotten more tight recently and itโ€™s touch and go whether each transaction will go through. Sometimes it does but often now I am getting declined. The bank knows my locations but in the background Visa seem to be blocking a lot regardless and they are harder to notify. I am using paypal where possible because it doesnโ€™t get blocked, but thatโ€™s only good for a limited number of places.
Anyone else getting worn out by the payment approval games?

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@whereskristin | 4yr

This might be unrealistic for some people, but to get around this I just have a lot of cards and back-up cards. Itโ€™s inevitable that cards will get blocked sometimes. I donโ€™t think Iโ€™d be able to travel with just a single card.

I like to carry a Visa, MC and Amex card, plus various debit cards. I also have business and personal cards.

If you have at least 2-3 different card options (selection of credit/debit and visa/mc/amex) then this should never be an issue. American cards used to not work in EU because they didnโ€™t have chips, but now most of them do. Make sure to set your pin before you go abroad if you have a US chip card!

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@senseless | 4yr

Try getting the mastercard from paypal. I have a paypal mastercard with paypal credit as a secondary / backup source attached to my account and have only had issues a couple of times over the years. The last time I had issue of blocked transactions / disabled card โ€“ I told them โ€œDo not ever decline any transaction on this card, ever. If there is fraud, I will notify youโ€ and havenโ€™t had a problem since.

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@rbruce | 4yr

I havenโ€™t had much success with it yet*, but Iโ€™m using the international card from Revolut. It offers more aggressively priced FX rates and is feeless for the time being.

This might not be the best option for you specifically (as an Aussie)โ€ฆ Not sure how expensive itโ€™d be to load it up with AUD, since you have to wire the funds to a European bank first, and they only hold funds in USD, EUR, or GBP. If youโ€™re earning EUR and/or GBP but travel to other countries a lot, it might be worth it!

*my first card was wonky and worked in an Icelandic ATM but no POS locations. They mailed me a new card and I havenโ€™t tried it out yet.

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Thanks All. itโ€™s all working good again now, I spoke to them once i got somewhere good enough to skype and they recently put a โ€œsoft blockโ€ on the card due to some transactions. I think I just get pinged as questionable transactions from time to time and i call them and itโ€™s ok for a while, but recently was in Nepal and the internet was too bad to call them so it lingered.

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@andyabramson | 4yr

There are a variety of reasons why a transaction can be declined but some of the factors are:

  • location
  • category of transaction such as telecom or money transfer service
  • past spending pattern with merchant/new merchant high spend

To work around the issues requires both common sense and a bit of planning.

  • Notify the bank/financial institution of your travels.

  • Provide an ALTERNATIVE ADDRESS to them in the country you will be in. This helps immensely with local telcom, shopping services, food delivery, purchases and travel such as air, rail, hotel or restaurants. Some banks and bankcards permit this, AMERICAN EXPRESS being one of them.

  • Get a โ€œtravel cardโ€ from your bank. Some banks issue cards for global travelers that are evaluated differently by the threat detection software.

  • Use a card from TravelEx called Cash Passport. Here you preload money and convert into local currency. Iโ€™ve had mixed results with it. It works great where thereโ€™s a Chip n Pin tied to a register, but not so well at gas pumps and headless terminals at train stations and airports. It does work wonders though compared to being declined.

Hope these tips help.

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@nomadtax | 4yr

Have you tried another card (for the same transactions)? Amex works pretty well for me, they do not block my transactions because of my location. Same for my Citibank visa card.

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@levelsio | 4yr

Which countryโ€™s ING? NL?

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Australia.

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@syneryder | 4yr

Since your banking is in Australia: Iโ€™ve been happy with Westpac, as long as I notify them where Iโ€™m travelling (you can do that online now). Even when my card sometimes gets flagged at home doing online orders at 3am, the Westpac card fraud team are super friendly.

Card blocks could also be on the vendor or processor end. I know thereโ€™s a handful of countries that are essentially blocked from ordering on my own website, because their fraud level has been 100%. Some Asian countries are especially bad for online card fraud. You could try contacting the vendor directly - if they can establish that youโ€™re legitimate they might have workarounds they can apply in your specific case.

I donโ€™t think Iโ€™d recommend the Travelex cards anymore - both Qantas and Virgin have preload multi-currency cards built into their Frequent Flyer cards now that also earn FF points. Westpac has one too, but Iโ€™d probably opt to use one that gives FF points.

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Yep, just got it again on my own site running a test order! Iโ€™ve done this multiple times in the past. Will probably work fine tomorrow.

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@kathrynoh | 4yr

Interesting. Iโ€™ve had a few Visa issues and assumed it was doing online transactions with my VPN set to a country different to those Iโ€™d notified the bank but maybe itโ€™s the same issue.

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@chelseaannefox | 4yr

YES!!! I have a Visa debit card from Charles Schwab and all of a sudden about one week ago, my card keeps getting declined right and left. I have to call my bank to get a โ€œsuppressionโ€ put on and try again. I am now looking for a different card/bank as my bank told me there is no way around this.

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@wanderingdev | 4yr

what card do you use? i never get blocked with my cap 1 cards.

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@kyleschutter | 3yr

Hi WanderingDev, Iโ€™d love to get your advice. I have capital one as well, but I keep getting blocked. I tell them โ€œLook, Iโ€™m traveling stop doing this Iโ€™ll be in x, y, z placesโ€ but they say they canโ€™t force my card not to be blocked in those locations. How did you get this to work? Iโ€™m about to just get a different credit card.

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ING, they know about my travels - it just seems to be a Visa card issue behind ING. Itโ€™ll be fine sometimes, and others it wonโ€™t. Not to worry, thereโ€™s always some obtuse work around :slight_smile:

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Read and participate in 13,969 discussions on Nomad List

Suggested topics

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What are some nice French beach towns?

 

in France by @amin | 1d 1 day ago | 0 comments

I'm thinking to head over to France during the winter and I'm looking for recommendations on a good French town that has beach and is warm enough during the winter.

What are your favourites? Any recommendation is appreciated.

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What is the best online insurance for digital nomads ?


by @berberos | 1d 1 day ago | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Driving from Italy to Croatia..how to handle passport?


in Croatia by @ld | 8d 8 days ago | 3 comments

Hello, we are US citizens that have been able to stay in Italy past our standard visa stay due to covid. Now we must leave. We want to drive to Croatia as our โ€œout of EUโ€ stay. But Iโ€™m now wondering what considerations I need to take care of for my visa. I wonโ€™t go through an airport and get my passport stamped. But I assume I need to get my passport stamped as a way to prove Iโ€™m out of the EU.

Anyone else travel in and out of Schengen zone via car? Or know what I should do to properly handle the visa situation? I get unclear answers online. Hmm.

Appreciate your help!

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Introduce yourself โ€” who are you, where are you and what do you do?

 

by @coffeeshopceo | 13d 12 days ago | 672 comments

tl;dr: introduce yourself in this thread.

We must all get sick of the same backpacker travel questions when we meet new friends, I know I do.

You know the ones - where are you from, whereโ€™ve you been, where are you going, what do you do, how long have you been doing it - etc.

The novelty of answering these questions wears off after maybe a week, but theyโ€™re nonetheless insightful and no matter how much we hate them, we find ourselves asking others.

So letโ€™s bring the dreaded backpacker questionnaire to NomadForum and introduce ourselves shall we?

**

  • whatโ€™s your name?
  • where are you from?
  • how long have you been away from home?
  • what do you do?
  • where are you currently?
  • where are you going?
  • what has been memorable for you so far?
  • will you go home anytime soon?
  • what have you learnt during your time as a nomad?
  • [insert your own question here]

**

No need to answer them all if you donโ€™t want to :smile:
But the more you shareโ€ฆ The merrier!

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Best/quickest way from Italy to Croatia?


in Croatia by @ld | 14d 14 days ago | 3 comments

Hello,

We are in Umbria until August 31. We've been here since March, but crisis-level visa extensions are over. After that we have to leave the EU. We would like to stay out of the USA (our home) due to it's covid crisis, at the same time we want to be responsible about travel. Ideally we would not travel at all, rather stay hidden in the countryside of Umbria forever until covid is more under control globally, but here we are!

So we must leave the Schengen zone. We should avoid USA. We should avoid long air travel.

We were thinking Croatia.

Do you recommend a route to Croatia? We are open to long train rides. Ideally not long ferry rides. Is there a ferry route under 4 hours? I read about it...I don't see it. If not, the other option is to make our way north and up over to Croatia via train.

I'd appreciate your thoughts and insights!

Thanks.

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Where should I set up my company as a remote worker?


by @beloruchka | 19d 18 days ago | 6 comments

Iโ€™m looking for any recommendations for services or people others have used to get answers on the best place to set up their businesses based on their personal circumstances.

Leaning towards Singapore after a ton of research, but would really like some concrete advice before jumping in.

Appreciate it!

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Anybody bring their car to Mexico instead of flying?


in Mexico by @digitaldiva | 19d 18 days ago | 1 comment

Iโ€™m curious whether anyone drove to Mexico instead of flying and used their car down there. Iโ€™ve heard bad stories of people driving down there but not sure I believe them. How safe is it to drive through rural areas, and to park in cities? It would be cool to have the car to explore while there.

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Did you learn any Thai before staying in Chiang Mai?


in Chiang Mai, Thailand by @digitaldiva | 19d 19 days ago | 0 comments

Iโ€™m curious to know how many people learned some Thai before going there. Learning languages is a hobby of mine but Iโ€™m very put off by how complex the writing system is, and if I decide not to learn it Iโ€™ll probably cross Chiang Mai off my bucket list. I prefer to be at least conversational in a language before I do an extended stay in a country. Iโ€™m curious how people who learned no Thai did getting by. And Iโ€™m curious, from people who did learn some, if itโ€™s any easier than it seems? Thanks!

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What age did you start out and went location independent?


by @raynesio | 22d 21 days ago | 11 comments

Eager to find out what age most start out as a DN? (Me)โ€ฆ 27 and just started out in the last 6 months or so. Not presently 100% location independent, probably more like 90% as still required to visit the office from time to time

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 24d 23 days ago | 39 comments

Any suggestions for seamlessly receiving SMS Verifications from US financial institutions and other sites while traveling internationally continuously? Wonโ€™t keep my US Verizon account due to cost and currently plan to use local sims at each destination (T-Mobile and Project Fi are NOT an option as they terminate for continuous roaming). In summation, I wonโ€™t have a US mobile account.

Unless Iโ€™m missing something, which is very possible, this appears to be the single most complex issue Iโ€™ve encountered in my preparations, and one that no one addresses. I would greatly appreciate any possible solution that works 100% of the time. Canโ€™t afford surprises in this regard. Many Thanks! Jack.

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Has anyone created a list of co-living spaces around the world?


by @keegansard | 5mo 5 months ago | 4 comments

Iโ€™m a big believer in co-living but Iโ€™m finding hard to find all the options available in different cities.

I have found the major players like Roam, The Collective, and WeLive but havenโ€™t found many others.

Has anyone seen a list or should I start making one?

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What festivities are happening around Bali for New Years Eve (NYE)?


by @diannamallen | 2yr 1 year ago | 1 comment

Looking for somewhere to celebrate New Years in Bali! I would prefer somewhere in Kuta or nearby, but if itโ€™s worth the travel, give me your suggestions!

Not looking to spend too much money either.

Thanks =)

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Is carrying around my laptop in a backpack every day safe in South America?


by @skarabox | 3yr 2 years ago | 9 comments

Hello everyone, I usually carry my laptop in my day backpack, walk around the town in my home country (Poland) and work in coffee shops / shopping centers, other quiet places I find or like.

My question is, how would carrying around my laptop on myself every day around the town work in practice in those places in terms of safety in South America.

I prefer to travel by a city communication than taxis and like to walk around too, but my concern is that I will get blatantly robbed with a gun or knife in a side street and lose my whole backpack with a laptop.

If anyone living in those cities could share their experience about how likely this situation is to occur, as obviously being white and foreign will make me stand out in the first place.

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Anyone walking around the world while working?


by @michaltakac | 3yr 2 years ago | 8 comments

Hey guys,

Is there anybody who loves walking that much? Iโ€™m thinking about this for about 3 years now, and since I finished university this year, I could possibly plan for this huge trip and start sometime next year. I have no commitments, no girlfriend, some money saved and pretty strong motivation. I like to travel low cost (couchsurfing, exploring cities by walking, cooking own meals, sleep in a tent if needed).

Small background about me: Iโ€™ve been working 5+ years (and still working) as a software engineer remotely (full-stack, web, mobile, VR), trying to not spend everything and save a little here and there (plus some index funds, mutual funds and holding few cryptocurrencies). Walking is big part of my life since itโ€™s something like meditation, great time for creative thinking, research and solving problems. Usually my daily routine involves 10-20km of walking (some in the morning, some in the evening). So far longest stretch was 55km, aiming to raise it to at least 100km during next month. Also love to track everything (Fitbit Charge 2 + Gyrosco.pe).

Iโ€™m thinking if itโ€™s possible to walk around the world in 5 years while working occasionally during mornings or evenings (own web/mobile app, writing blog) and at the same time complete a PhD in Process Control (got an offer to work with great professor on an interesting thesis using augmented reality, for which I only need a smartphone, my Macbook and ability to once in a while consult with him over phone/skype).

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Anybody around Europe over the next few months?


by @paulrose | 3yr 3 years ago | 9 comments

Hi All

Soโ€ฆ a few months ago when I was in Asia, for some reason I decided that it was gonna be too hot over the summer months and I wanted to mix it up with a few months touring Europe. So I had the idea to buy and RV and drive round for a few months.

Meet Teagan :slight_smile:

Itโ€™s taken a few months going through the process of getting my license to drive the RV, because itโ€™s so large it wasnโ€™t covered on my standard driving license. Add to that, I had some solar panels fitted for unlimited power, and a massive satellite dish for internet wherever I go.

Iโ€™ve now got my ferry booked out of the UK for September 11th and at the moment have no plans past the first few weeks.

Has anyone on here done anything similar before? Any places recommended, or anyone around Europe over the next few months?

Iโ€™m doing about 3 months worth before heading to Vegas for NYE and around the states for a few months after that before back to Asia for a bit.

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Search/review site for Co-Working spaces around the world?


by @gnefkow | 4yr 3 years ago | 7 comments

Hostelworld for hostels,
Nomadlist for general locations,
Yelp for food (among other things)
Trip Advisor for activitiesโ€ฆ

Is there a website where a community of people can rate and review co-working spaces around the world? Iโ€™m in a nice place right now, and about to start on toward the next destination, Iโ€™d love to review the coworking space Iโ€™m currently sitting in and start planning for the next stop.

I know that there are some threads around here about it, but Iโ€™d love to search โ€œTaipeiโ€ and see a list of them with reviews from actual nomads (rather than the hap-hazard websites the coworking spaces make about themselves).

  • kyle
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Can Europeans also fly cheaper using credit cards and gain miles?


by @rxs | 4yr 4 years ago | 3 comments

I hear more and more about digital nomads (mainly from the US and Canada) flying cheap (almost for free) by taking advantage of bonuses given by banks / credit card companies. Iโ€™m not exactly sure how the system works.

Is it also possible to do for Europeans ? If so, how ?
If not, do know any other hacks to fly cheaper ?

Many thanks for your help.

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What do you do once you lost and blocked your credit card?


by @matthieudrula | 4yr 4 years ago | 13 comments

Hi,
Surprised that this thread does not exist.
If you lose and block your only credit card, what are your other options than going home?
Do you have a specific bank that can send you a new card? Aside from that do you have some tips?

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How useful is a credit card concierge for your business, travel, and life?


by @ride | 5yr 4 years ago | 5 comments

The deal is, with a virtual assistant, you get what you pay for. On the other hand, you can be a power user of the card concierge service, and only pay an aggregated fee, including for those folks with the same card, but hardly use the service at all.

What can a credit card concierge do for you? I donโ€™t want to quote Tim Ferriss (a controversial figure); here are some other, good uses.

EUR/USD100 concierge credit cards exist out there; the concierge option is not exclusive to cards in the 500 range. Iโ€™m not a bank, I donโ€™t offer this service; I genuinely asking your opinions.

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How have you dealt with bereavement when you are halfway around the world and can not make it home?


by @iamjamesrodgers | 5yr 4 years ago | 5 comments

I really wish I didnโ€™t have to ask this, itโ€™s such a sensitive topic to many but unfortunately Death is inevitable in our lives as we grow -

My Girlfriend and I are currently upon our first lengthy nomadic travels, and a beloved friend has had her Mother tragically and rather quickly pass away.

My Girlfriend is really struggling and feeling suffocated by the distance.

What is the best techniques to be a supportive person to a beloved friend whoโ€™s parent has just passed away while you are on the other side of the world? Or the passing of someone in general? So far weโ€™ve sent an arrangement and wrote a letter to convey our empathy for the friend and Her family -

We both just want our support to be felt and to be enough to make up for not being physically there, it would break my heart for us to be seen as non supportive in this tough time.

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