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Traveling with Commerce Bank Cards: Tips and Information, Study notes of Payment Systems

The University of Montana Western (UMW)Payment Systems

Essential tips for using commerce bank debit, credit, and prepaid cards abroad. Before your trip, notify the bank, remember your pin and account number, and check spending limits and expiration dates. At your destination, look for brand marks and ask merchants if your card is accepted. If you encounter problems, follow prompts on the terminal or call the bank or network's customer assistance. The document also covers using chip cards and atms, and offers general travel safety tips.

Typology: Study notes

2021/2022

Uploaded on 09/27/2022

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Commerce Bank cards (debit, credit, and prepaid) are accepted at millions of places worldwide, making them a safe and
convenient way to make purchases abroad. Use these simple travel tips to rest easy and enjoy your trip.
Using Your Commerce Bank
Card to Make Purchases Abroad
Before Your Trip:
• Remember to notify us where and when you’ll be traveling. You
can notify us of your upcoming travel through Online Banking or by
calling us.
• Take note of your card’s customer assistance number for your
destination and keep it separate from your cards.
• Be sure you know your 4-digit PIN. Some merchants may require a
four-digit numeric PIN when using a debit card.
• Make note of your 16-digit account number and keep it in a safe
place separate from your cards.
• Check the spending limits or restrictions on your card. Your cards
may have daily spending or withdrawal restrictions. Be sure you
have enough funds in your account and that your payments are
up to date. You may also contact us to request an increase to your
spending limit.
• Check your card’s expiration date before your trip.
• Review your account terms to see if foreign transaction fees will be applied to your account when making purchases
outside of the United States.
• Consider contacting us to inquire about the possibility of receiving a chip card to ensure you can make
purchases hassle free.
• As a best practice, please bring more than one form of payment when traveling internationally.
At Your Destination:
• Look for the brand marks (dependent on your card) at merchant locations to ensure you can use your Commerce
Bank card.
• Ask the merchant if your brand is accepted if you don’t see the respective logo. Visa® and MasterCard® cards are
accepted around the world, so it is likely your card will be accepted.
• If you do not have a chip card, request merchants swipe your magnetic stripe card even if they say you need a
chip card.
• Check your receipt before signing to make sure it is for the correct amount.
Chip Cards
Chip cards have become the standard in some countries. If your Commerce Bank card does not have a chip, you can still
use it anywhere Visa or MasterCard is accepted. Merchants that accept Visa or MasterCard cards are required to accept
your card, and their terminals are designed to recognize magnetic stripe cards.
Certain unattended terminals, such as train stations, bike-rental stations and parking garages, may require a chip card
and PIN to make a purchase. If your Commerce Bank card does not have a chip, you can still make a purchase by finding
a nearby cashier who can accept your card.
Please remember that international merchant terminals can vary causing your experience making purchases to differ.
Customer Assistance Numbers
Commerce Bank:
Credit: 1.800.645.2103
Debit: 1.800.617.7480
Prepaid: 1.888.373.2883
Outside the U.S.: 1.314.514.6299 (collect)
Visa Global Customer Assistance Service:
1.303.967.1090 (outside the US)
www.visa.com/gcas
MasterCard Global Assistance Center:
1.800.627.8372
1.636.722.7111 (collect call outside the US)
pf3

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Download Traveling with Commerce Bank Cards: Tips and Information and more Study notes Payment Systems in PDF only on Docsity!

Commerce Bank cards (debit, credit, and prepaid) are accepted at millions of places worldwide, making them a safe and convenient way to make purchases abroad. Use these simple travel tips to rest easy and enjoy your trip.

Using Your Commerce Bank

Card to Make Purchases Abroad

Before Your Trip:

  • Remember to notify us where and when you’ll be traveling. You can notify us of your upcoming travel through Online Banking or by calling us.
  • Take note of your card’s customer assistance number for your destination and keep it separate from your cards.
  • Be sure you know your 4-digit PIN. Some merchants may require a four-digit numeric PIN when using a debit card.
  • Make note of your 16-digit account number and keep it in a safe place separate from your cards.
  • Check the spending limits or restrictions on your card. Your cards may have daily spending or withdrawal restrictions. Be sure you have enough funds in your account and that your payments are up to date. You may also contact us to request an increase to your spending limit.
  • Check your card’s expiration date before your trip.
  • Review your account terms to see if foreign transaction fees will be applied to your account when making purchases outside of the United States.
  • Consider contacting us to inquire about the possibility of receiving a chip card to ensure you can make purchases hassle free.
  • As a best practice, please bring more than one form of payment when traveling internationally.

At Your Destination:

  • Look for the brand marks (dependent on your card) at merchant locations to ensure you can use your Commerce Bank card.
  • Ask the merchant if your brand is accepted if you don’t see the respective logo. Visa®^ and MasterCard®^ cards are accepted around the world, so it is likely your card will be accepted.
  • If you do not have a chip card, request merchants swipe your magnetic stripe card even if they say you need a chip card.
  • Check your receipt before signing to make sure it is for the correct amount.

Chip Cards

Chip cards have become the standard in some countries. If your Commerce Bank card does not have a chip, you can still use it anywhere Visa or MasterCard is accepted. Merchants that accept Visa or MasterCard cards are required to accept your card, and their terminals are designed to recognize magnetic stripe cards.

Certain unattended terminals, such as train stations, bike-rental stations and parking garages, may require a chip card and PIN to make a purchase. If your Commerce Bank card does not have a chip, you can still make a purchase by finding a nearby cashier who can accept your card.

Please remember that international merchant terminals can vary causing your experience making purchases to differ.

Customer Assistance Numbers

Commerce Bank: Credit: 1.800.645. Debit: 1.800.617. Prepaid: 1.888.373. Outside the U.S.: 1.314.514.6299 (collect) Visa Global Customer Assistance Service: 1.303.967.1090 (outside the US) www.visa.com/gcas MasterCard Global Assistance Center: 1.800.627. 1.636.722.7111 (collect call outside the US)

What to Do If You Have Problems Using Your Commerce Bank Card

Should you encounter a problem, request that the merchant swipe or insert your card, depending on if it has a chip, and follow the prompts on the terminal. If your card is declined, you can call us immediately or call your respective network’s (Visa or MasterCard) customer assistance.

Using Your Commerce Bank Card at ATMs Abroad

You can use your Commerce Bank card to withdraw foreign currency in countries around the world. Most ATMs operate 24 hours a day and can be found at major airports, hotels, tourist destinations and commercial areas. Plus, using your Commerce Bank card at an ATM means you get a competitive exchange rate every time.

Before Your Trip:

  • Be sure you have a 4-digit PIN. Many international ATMs accept only four-digit numeric personal identification numbers (PINs).
  • Memorize your PIN so you can access local currency at ATMs.
  • Use an ATM locator. To learn where you can use your card to withdraw cash abroad, visit your respective network’s online ATM locator: ○ (^) Visa: http://visa.via.infonow.net/locator/global/ or the mobile site www.visa.com/mobileatm ○ (^) MasterCard: http://www.mastercard.us/cardholder-services/atm-locator.html
  • Review your cardholder agreement to check the fees that may be applied to your account when making a transfer, withdrawal, or balance inquiry at non-Commerce ATMs.
  • As a best practice, please take multiple methods to access cash when traveling internationally.

At Your Destination:

  • Contact us or call your respective network’s customer assistance immediately if you lose your Commerce Bank card.
  • How to find an ATM abroad. Look for your card’s brand mark or the Plus logo on ATMs:
  • Use the ATM locator. To learn where you can use your card to withdraw cash during your trip, visit:

○ (^) Visa: http://visa.via.infonow.net/locator/global/ or the mobile site www.visa.com/mobileatm ○ (^) MasterCard: http://www.mastercard.us/cardholder-services/atm-locator.html

Chip Cards & Chip ATMs

Chip cards have become the standard in some countries. If your Commerce Bank card does not have a chip, you can still use it anywhere Visa or MasterCard is accepted. ATM terminals are designed to recognize both chip cards and magnetic stripe cards.

Please remember that international ATMs can vary causing your experience withdrawing cash to differ.

If you are concerned about having access to cash, you can also take these following measures:

  • Take some U.S. currency for local exchange and exchange currency at the airport upon arrival.
  • Visit a bank and ask to process a cash advance on your card.
  • Purchase Travelers Checks before you leave the U.S.
  • For emergency cash disbursement, you can call us collect from outside the U.S.

What to Do If You Have Problems Using Your Card

If you encounter a problem using your card or your card is left in an ATM declined, call us immediately to notify us you are having problems. You can also call your respective network’s (Visa or MasterCard) customer assistance.