{"id":10632,"date":"2024-11-06T04:00:00","date_gmt":"2024-11-06T11:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=10632"},"modified":"2024-11-05T21:54:46","modified_gmt":"2024-11-06T04:54:46","slug":"wednesday-wisdom-avoiding-schwab-atm-declines-quick-tip","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2024\/11\/06\/wednesday-wisdom-avoiding-schwab-atm-declines-quick-tip\/","title":{"rendered":"Wednesday Wisdom: Avoiding Schwab ATM Declines Quick Tip"},"content":{"rendered":"\n<p>When you&#8217;re traveling internationally, carrying a debit card that doesn&#8217;t charge foreign transaction fees or currency conversion fees, and that offers reimbursements on ATM operator fees is the second chapter of travel hacking 101. I conducted a non-scientific poll to see which card travel hackers prefer, and tallied the results from 10 probably made up respondents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>8\/10: Charles Schwab debit<\/li>\n\n\n\n<li>1\/10: Random credit union debit card<\/li>\n\n\n\n<li>1\/10: MEAB always spills too much or never enough<\/li>\n<\/ul>\n\n\n\n<p>If you run a survey of popular travel blogs, you&#8217;ll find the same general distribution. The Schwab debit card is generally considered the gold standard, but regularly you&#8217;ll find stories <a href=\"https:\/\/www.reddit.com\/r\/Schwab\/comments\/1gb7qcc\/schwab_debit_card_left_me_stranded_in_mexico\/\">about the card being fraud locked while you&#8217;re trying to use it<\/a>. Those fraud locks require a call to Schwab to iron out, and while they&#8217;re quick, the friction is real.<\/p>\n\n\n\n<p>There&#8217;s a better way though: <a href=\"https:\/\/www.schwab.com\/content\/how-to-set-up-security-alerts\">Enable Schwab SMS account alerts<\/a>, and rather than getting a fraud lock, you&#8217;ll get an SMS alert when an ATM transaction happens and you&#8217;ll be able to respond and clear the alert when Schwab suspects fraud. To enable:<\/p>\n\n\n\n<p>Enable SMS and\/or Push-notifications at <a href=\"https:\/\/client.schwab.com\/App\/service\/alertsettings\/#\/alertsettings\">Profile \u2192 Alert Settings<\/a>. Just don&#8217;t confuse this with Profile \u2192 Alerts which is different somehow, duh.<\/p>\n\n\n\n<p>Happy Wednesday!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"479\" height=\"479\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/11\/image-3.png\" alt=\"\" class=\"wp-image-10634\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/11\/image-3.png 479w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/11\/image-3-300x300.png 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/11\/image-3-150x150.png 150w\" sizes=\"auto, (max-width: 479px) 100vw, 479px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Kermit demonstrates a different hangover recovery technique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you&#8217;re traveling internationally, carrying a debit card that doesn&#8217;t charge foreign transaction fees or currency conversion fees, and that offers reimbursements on ATM operator<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[25,56],"tags":[],"class_list":["post-10632","post","type-post","status-publish","format-standard","hentry","category-travel-hacking","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=10632"}],"version-history":[{"count":3,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10632\/revisions"}],"predecessor-version":[{"id":10636,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10632\/revisions\/10636"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=10632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=10632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=10632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}