I'm wondering if I need to tell my card companes if I'm traveling domestically within the US. I have cards with Discover, Amex (2), Barclays and Penfed. Anyone have any idea?
@sammyfire2001 wrote:I'm wondering if I need to tell my card companes if I'm traveling domestically within the US. I have cards with Discover, Amex (2), Barclays and Penfed. Anyone have any idea?
It wouldn't hurt just to hit them up on chat and let them know to expect activity in certain places, especially if you've never used them there before. It can save potential headaches.
One note though: I know Amex and Discover can follow you with the GPS on your phone (if you activate the setting), letting them know that you are where your card is being used. In this case, you should be fine domestically. I don't have the latter two, so I can't speak for them.
Amex isn’t a concern at all.
My fiancée has one of my Amex cards in the US and I’m currently in Barbados for work. Both cards have gotten swiped the same day on several occasions. Never heard a single peep from them. Never had a charge declined except one online purchase for over a grand.
Don’t use discover much overseas as acceptance is even worse then Amex. They have a travel notification section.
Can’t comment on the other two as I don’t have Barclays and don’t use penfed overseas
My fiancée has one of my Amex cards in the US and I’m currently in Barbados for work. Both cards have gotten swiped the same day on several occasions. Never heard a single peep from them. Never had a charge declined except one online purchase for over a grand.
Don’t use discover much overseas as acceptance is even worse then Amex. They have a travel notification section.
Can’t comment on the other two as I don’t have Barclays and don’t use penfed overseas
sammyfire2001 in response I can say some of my cards froze my accounts for being in the neighboring state. In truth it was a pain. So, you might look at your domestic travel plans and decide, is it more work to notify lenders or just roll the dice and hope for the best? 
If someone has never travellled, specifically never travelled outside the US, it may make sense to use a travel notification link or chat a CSR.
I don’t do it anymore because I have years of domestic and international travel with AMEX, Chase, US Bank and my Diners Club card. Once the bank understands I do travel, they should not be flustered if I show up in Panamá.
For domestic, if you look at your charge details, those probably show certain merchants as other cities, even if not an online transaction.
There have also been some reports here of confusion on the bank information, related to travel or moving, where the bank started asking identity verification questions. I have had good luck with my cards picking out fraud charges on the few occasions that has happened, so I like to just let them keep working the same algorithm, without me messing it up with TMI.
The corollary is if there is some question about a pending charge, or a payment timing that people have with their bank, and they start taking too much action, creating more problems than doing nothing.
I don’t do it anymore because I have years of domestic and international travel with AMEX, Chase, US Bank and my Diners Club card. Once the bank understands I do travel, they should not be flustered if I show up in Panamá.
For domestic, if you look at your charge details, those probably show certain merchants as other cities, even if not an online transaction.
There have also been some reports here of confusion on the bank information, related to travel or moving, where the bank started asking identity verification questions. I have had good luck with my cards picking out fraud charges on the few occasions that has happened, so I like to just let them keep working the same algorithm, without me messing it up with TMI.
The corollary is if there is some question about a pending charge, or a payment timing that people have with their bank, and they start taking too much action, creating more problems than doing nothing.
@NRB525 wrote:
If someone has never travellled, specifically never travelled outside the US, it may make sense to use a travel notification link or chat a CSR.
I don’t do it anymore because I have years of domestic and international travel with AMEX, Chase, US Bank and my Diners Club card. Once the bank understands I do travel, they should not be flustered if I show up in Panamá.
For domestic, if you look at your charge details, those probably show certain merchants as other cities, even if not an online transaction.
There have also been some reports here of confusion on the bank information, related to travel or moving, where the bank started asking identity verification questions. I have had good luck with my cards picking out fraud charges on the few occasions that has happened, so I like to just let them keep working the same algorithm, without me messing it up with TMI.
The corollary is if there is some question about a pending charge, or a payment timing that people have with their bank, and they start taking too much action, creating more problems than doing nothing.
Good information 