Quote from: Jennygirl on November 05, 2013, 04:35:12 PM
Sarah- I would try to get through to the department within your bank that deals directly with identity protection, or whichever department actually puts the card in a "protected" or disabled state.
You could also call back in a few days and see if they have indeed notated your account. Even after two attempts with my bank, nobody could see that it had ever been notated that I would be traveling.
It's really good that you have your American Express as a backup either way, but with the amount of prep you are doing you probably won't need it 🙂
I just called my bank directly today and had them add a note so my card is ok. They didn't mention anything about a previous note already being there, even though I had online communication with them that said they added it (twice). Thanks for the suggestion, I feel confident now that the note is there. I also asked about the daily limit being increased.
Right now my bank card has a daily limit of $2,500, so if I had to use it to pay for the surgery if my Amex is declined for some reason I wouldn't be able to. They do allow me to call on the day of the transaction to increase it temporarily, however, it only lasts until the end of the day. The problem is that Seoul is 16 or 17 hours ahead which would put it on Sunday when I'd have to call to have it increased, since my consultation is on Monday (South Korean time). I asked the guy on the phone about it and he didn't know, so he asked his supervisor and they are now going to test some things tonight to see if they can have the limit raised for more than a day to accommodate me. It's not guaranteed that it'll work, but it's awesome that they're trying to work with me and figure out a way to get it done. They said they'll give me a call tomorrow to let me know if it'll work or not! That's pretty awesome customer service!
In the end though my bank card is only there as a backup for the Amex, so hopefully I won't have any issues with the Amex. I did double check the Amex website and they explicitly say that there's no need to inform them of international travel, so that, along with the fact that I've already called them, gives me even more confidence that it'll be fine.