There’s something about the arrival of all things pumpkin spice that gets me thinking about the upcoming holiday season. Pumpkins lead to turkey feasts, which lead to twinkly tree lights, and in between all of that is a lot of travel.
Travel – no matter how or where – can be stressful. Travel delays, car breakdowns, missing hotel reservations, and lost luggage are what typically come to mind, but what happens if your credit card is lost or stolen while you’re away? Or you’re in an accident with your rental car and you waived the optional insurance at the rental counter? They’re scenarios many travelers don’t think about but should always be prepared for. Here are four ways your ECCU Visa credit card can help keep your travel stress at a minimum.
The last thing you want to deal with when you’re on the road is a lost or stolen credit card. If it happened to you, would you know what to do? First, you panic. Then, you take a deep breath and contact ECCU right away. We’ll work with Visa to shut down your card and report it as lost or stolen.
Emergency Card Replacement & Emergency Cash Disbursement
Reporting your card lost or stolen is one thing, but what if you need to use the card to pay your hotel bill or your entire wallet was stolen and you need access to cash like yesterday? Visa will work with ECCU to provide you with an emergency cash advance and/or replacement card in no time. Toll-free numbers are available 24/7.
Rest assured that if your card is ever lost, stolen or otherwise compromised, you will not be held liable for unauthorized purchases as long as you report it within a reasonable time frame. Waiting to straighten things out until you get back home in a week is fine, but don’t put it off for three months otherwise you may risk losing the liability benefit.
Auto Rental Collision Damage Waiver
Ok, so you didn’t lose your card or have it stolen from your hotel room. But say you rented a car while visiting family out of state – waived the optional insurance at checkout – and then got in a fender bender? Maybe Aunt Alice’s neighborhood fell victim to a car vandalism spree and the rental suffered damage. If you used your Visa credit card to pay for the reservation, you can be reimbursed for the damages up to the actual cash value of most rental vehicles. Keep in mind that reimbursements are supplemental to any collectible insurance from another source, so if your standard auto insurance policy does not cover the damages in full, the Auto Rental Collision Damage Waiver will cover whatever they don’t.
This information isn’t meant to make you paranoid about having your card lost or stolen this holiday season. Instead, we want to make you an informed cardholder who can be confidently prepared in case you ever find yourself in these situations. If your credit card has been lost, stolen or if you notice any unauthorized transactions on your account, call us immediately. If it’s after business hours, call 800.325.3678. Learn more about card management on ECCU’s Card Services page.