When do you need to set a Citi travel notification?

Question

You don’t need to let your credit card company know you’re traveling, but it’s always a good idea. To protect you from fraud, credit card issuers look for charges that seem to be out of the ordinary, or “suspicious activity”. So, if they suddenly start seeing charges pop up on your card in a different state or country, they may decline the charge, assuming it’s fraudulent. In order to keep your credit card from being declined while you’re traveling abroad, you should submit a travel notice to your issuer.... read full answer

Issuers like Capital One and Barclaycard have stopped recommending travel notices, thanks to the increased security of EMV chip cards. They still offer the ability to set a travel notification, but state that it’s not necessary. American Express has actually stopped letting cardholders set travel notices altogether, saying their confidence in their fraud protection makes it unnecessary.

Credit Card Issuer	Able to Set Travel Notice Online?	Travel Notice Recommended?
American Express	No	No
Bank of America	Yes	No
Barclaycard	Yes	No
Capital One	Yes	No
Chase	No	No
Citibank	Yes	Yes – but not required
Discover	Yes	Yes – but not required
Wells Fargo	Yes	Yes – but not required
U.S. Bank	Yes	Yes – but not required

Submitting a travel notice to your credit card company can be done quickly and simply. Most credit card issuers let you submit a travel notice online or through their app. If you’re not sure how to submit a travel notice, you can always call the number on the back of your card and submit a travel notice over the phone. When you submit a travel notice, you should tell your issuer where exactly you’ll be traveling and the dates of your trips. If you’re going to multiple destinations, be sure to make that clear.

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Answer 1 · 2023-02-10 22:37:48

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WalletHub, Financial Company

@WalletHub • 02/10/23 This answer was first published on 04/02/18 and it was last updated on 02/10/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You need to set a Citi travel notification any time you’re taking a trip. This will prevent your account from being suspended due to suspected fraud when you’re in an unusual area. You’re never required add a travel notice to your Citibank account, but it is recommended for both foreign and domestic travel.

Here’s how to set a Citi travel notification:

Sign in to your Citi account online.
Click “Services”, then “Travel Services”.
Select “Add a Travel Notice”.
Enter your destinations as well as the dates of your departure and return.
Verify the phone number and email address that Citi has on file are up to date.

A travel alert lets Citi know that charges from a new location don’t mean you’re a victim of fraud. So, it helps you avoid Citi putting a temporary hold on your card while you’re away. You can cancel or update your Citi travel notification at any time by logging in and changing your information. It only takes a few minutes and could potentially prevent a major inconvenience on your trip.

If your card is declined while traveling, you can call customer service at (800) 950-5114 and enter your card number to speak to a representative who can help. Internationally, you can make a collect call to (605) 335-2222.

Answer 2 · 2018-04-23 07:59:26

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Lindsey Roche, Member

@lindsey_roche • 04/23/18 This answer was first published on 04/23/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Any time you're planning to leave. Of course, context matters.

If you're going to a neighbouring city, you might not need to let them know. But if they see the card being used from a different country, thousands of miles away, they might block it if they don't know it's you.

When do you need to set a Citi travel notification?

WalletHub, Financial Company

Here’s how to set a Citi travel notification:

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Lindsey Roche, Member

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