Hot and Mobile | Be Better Than Your Phone with Jackie Robinson Be Smarter Than Your Phone!

Money Monday - December 5, 2022 | Why do banks deactivate debit cards while traveling?

If you have ever traveled out of state or internationally, you know that having access to your money is critically important. The last thing you don’t want to happen is not being able to check into your hotel! Even though you booked your hotel reservation online, the debit card you used is required at the check-in desk.

So you get to your destination, check in at the hotel by presenting your debit card. You know, the one you used to book online. However, the agent comes back and says your card is not working. What the hell!  No way it’s not working because you know you have money in your account! Instead of arguing with the agent you decided to go online from your smartphone and check your account.  Sure enough, your money is there.  So what is the freaking problem?

Next, you find a quiet place and call your financial institution. They confirm that yes you have money; but, what you didn’t do was let them know you were traveling away from your home base.  The account is now locked.

Unusual Activity*
Over the course of time your financial institution builds up a customer profile that includes information about your typical banking habits, such as when and where you use your debit card. If you normally just use your debit card for small transactions in your local community, your bank would view a large dollar transaction involving your card that occurred in another nation as unusual. As a precaution against theft or fraud, your bank may deactivate your card as a result of “unusual activity.”

Unlock Your Card*
The customer service representative will explain why your credit card has been blocked and may ask for additional information to verify the transaction that triggered the block. For instance, this might have happened if you made a purchase in a different state from where you live or if multiple transactions happened in a short amount of time, such as within the hour. The agent will unlock your card while you are on the phone, after you have proven your identity, confirmed that you still have the card and verified your purchase.

Why it Happens*
Your bank can block your Visa credit card any time it notices suspicious activity on it. In addition to those mentioned earlier, common causes include:


a transaction with an unusually large amount;
a small transaction followed by a large one;
and purchases in various states in a short amount of time.

These shopping habits are similar to those of someone using a card fraudulently.

Avoid Future Occurrences
You can ensure that your bank does not block your card when it hasn’t been stolen if you keep your bank informed and take steps to protect yourself.


Before you travel, for instance, call customer service and tell them where you are going, and when.
Also, enroll in your bank’s fraud protection program, such as Verified by Visa,
and promptly respond to any message or phone call from your bank about recent transactions.

This has been your Monday Money tip for December 5, 2022! Happy Travels!​
*SOURCE: https://www.sapling.com/7279144/unlock-visa-credit-card


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message

We welcome Cameron Cowan to Trip of Change Podcast | The Jackie Robinson Show

ABOUT CAMERON COWAN:

“Writer, thinker, and human being in Seattle. People look to Cameron for insights on politics, business, and our world.”

My name is Cameron Cowan and I’m best known for my popular news site: The Cameron Journal and its matching podcast. I talk about business, and politics, and help explain the complicated nature of our modern world. I talk about a variety of subjects and do so in a fun and accessible way that holds folks’ attention and isn’t boring. I always tell people that I try to talk as if we’re sitting in a bar and you’ve struck up a conversation with me. I leave you with knowledge but in a way that didn’t want to make you cry!


M.A. in international relations from Norwich University
B.A. in Political Science from University of Northern Colorado
Currently pursuing MFA in Creative Writing from Goddard College

Join Us as Cameron shares his “Trip of Change”!


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message

We welcome Christy Nichols to Trip of Change Podcast | The Jackie Robinson Show | ABOUT CHRISTY NICHOLS:  “Founder of Venture Within; purposeful travel advocate living in Nicaragua creating life-changing experiences. Author.Educator.Serial Ex-pat.”  Hailing originally from both Nashville and Southern California, I earned my Master’s degree and Teaching Credentials while living in Sussex in the UK. 

Beginning my career as a high school English teacher, I learned the importance of versatility and the power of authentic connection.  During my 7 years living in Brighton, my passion for travel and teaching began to take shape and reveal my life calling – that of curating impactful experiences within education, leadership, mental wellness, empowerment, and personal growth.  

I spent the next several years living in Melbourne, Australia delivering seminars on Personal and Social Leadership while lecturing in several universities, all of which further fueled my passion to blend travel, personal leadership, altruism, and education to create inspiring and life-changing experiences for others.  Since 2011, I have launched my own companies delivering leadership programs overseas by way of educational and conservation initiatives, working with professionals, students, educators, institutions, small companies, and non-profits internationally.  

Join Us as Christy shares her “Trip of Change”!


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message

We welcome Shalamar Parrish to Trip of Change Podcast | The Jackie Robinson Show  

ABOUT SHALAMAR PARRISH (RESCHEDULED FOR ANOTHER DATE):  “Author, Clothing Designer and Fostercare Advocate is ready to share my story in hopes of making a positive impact!”  I wrote a book called Leading Lady that’s loosely based on my life growing up in foster care.  I became a foster care Advocate and Advocate for men, women and children who were sex trafficked.  I also have a clothing line called 2Dayz Woman for the uplifting of women. Both business ventures were created so that I help as many women and children as I can.  Join Us as Shalamar shares her “Trip of Change”!  

READ MORE AND SEE THE VIDEO ON OUR WEBSITE AT TRIPOFCHANGEPODCAST.COM  

Trip of Change | The Jackie Robinson Show  Jackie Robinson Podcast Host Dana Bach Podcast Co-Host/Producer w | tripofchangepodcast.com e | podcast@tripofchange.com


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message

The Trip of Change is a weekly podcast hosted by Jackie Robinson, with some of the top thought-leaders in the areas of LGBTQIA+, use of Pronouns, Gender Identify, Voting Rights, Intergenerational Conversations, News and feature interviews with industry leaders. Our goals is to provide listeners with key takeaways and actionable advice for having a better understanding of the people we live with.  We focus on several areas critical to a getting along with others in a diverse world. By you listening to our Trip of Change Podcast, we hope to create a better world for our children, grandchildren and great grandchildren now and into the future. 

Trip of Change | The Jackie Robinson Show  Jackie Robinson Podcast Host w | tripofchangepodcast.com e | podcast@tripofchange.com


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message

Trip of Change Podcast Live for the Caribbean Heritage Festival in NYC! S4 E19 with Loretta Green-Williams, even core committee member will be sharing events live from the festival.


---

Send in a voice message: https://podcasters.spotify.com/pod/show/hotandmobile/message