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Are you planning an international trip soon? If so, you might be wondering whether you should use your PNC credit card while traveling. In this article, we’ll cover everything you need to know about using your PNC credit card for international travel.
Why Use Your PNC Credit Card for International Travel?
Using your PNC credit card for international travel offers several benefits:
- You don’t need to worry about exchanging currency before you leave.
- You may be able to earn rewards points on your purchases.
- You’re protected against fraud and unauthorized charges.
Notify PNC Before You Travel
Before you leave for your international trip, it’s important to notify PNC that you’ll be using your credit card abroad. This lets PNC know that the charges on your card are legitimate and not the result of fraud.
You can notify PNC of your travel plans by logging into your account online, calling customer service, or visiting a local branch.
PNC Credit Card Fees for International Travel
When you use your PNC credit card for international travel, you may be charged fees for:
- Foreign transaction fees: These fees are typically around 3% of the purchase amount and are charged for any transaction made in a foreign currency.
- ATM fees: If you use your credit card to withdraw cash from an ATM abroad, you may be charged an ATM fee in addition to the foreign transaction fee.
Using Your PNC Credit Card at ATMs Abroad
If you need to withdraw cash while traveling abroad, you can use your PNC credit card at an ATM. However, keep in mind that:
- You may be charged additional fees for ATM usage and currency exchange.
- The ATM may offer to convert the transaction into your home currency, but this is generally not a good idea as you’ll likely end up paying more in fees and exchange rates.
Tips for Using Your PNC Credit Card for International Travel
Here are some tips to keep in mind when using your PNC credit card for international travel:
- Always notify PNC of your travel plans before you leave.
- Avoid using your credit card for transactions that require a PIN (such as at unattended kiosks), as PNC credit cards do not have PIN functionality.
- Choose to pay in the local currency rather than your home currency. This will likely result in a better exchange rate and lower fees.
- Consider bringing a backup credit card in case your primary card is lost or stolen.
Overall, using your PNC credit card for international travel can be a convenient and secure option. Just be sure to notify PNC of your travel plans and be aware of any fees associated with using your credit card abroad.
| Term | Definition |
|---|---|
| Foreign transaction fees | Fees charged for any transaction made in a foreign currency |
| ATM fees | Fees charged for using an ATM abroad to withdraw cash |
Frequently Asked Questions about PNC Credit Card International Travel
Do I need to notify PNC before using my credit card abroad?
Yes, it’s important to notify PNC of your travel plans before you leave to avoid any issues with fraudulent charges.
Will I be charged fees for using my PNC credit card abroad?
Yes, you may be charged foreign transaction fees and ATM fees when using your PNC credit card abroad.
Can I use my PNC credit card to withdraw cash from an ATM abroad?
Yes, but keep in mind that you may be charged additional fees for ATM usage and currency exchange.
What should I do if my PNC credit card is lost or stolen while traveling abroad?
Contact PNC immediately to report the lost or stolen card and request a replacement card be sent to your location.