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Visa cards are a safe and easy way to carry your money when you travel. Here are some simple travel tips to help you enjoy your trip and keep your card safe.

• Before you leave, check the expiry date on your card and make sure that you have enough funds in your account or that your card payments are up-to-date
• Photocopy your card and keep the document somewhere safe
• Do not keep cards and cash in the same place — that way you will not lose everything
• In crowded places, hold bags or wallets close to your body and use a money belt if possible
• Use safety deposit boxes or room safes in hotels
• When you pay with your Visa card, check the information on the sales voucher. You are liable for the amount written in the box marked Total, so make sure it is filled in before you sign
• Keep a copy of all sales receipts and check them against your statement
• Memorise your personal identification number (PIN) if you plan to get local currency from a cash machine – and make sure nobody can see your details when you are withdrawing money

When traveling internationally, you may face additional options at the register. Some merchants offer the option to convert your purchases into your home currency. This is called Dynamic Currency Conversion (also known as DCC) and means the merchant – and not Visa – is converting the currency. While you may appreciate the convenience of knowing the exact price in your home currency at the point of sale, you should be aware that the merchant may charge you for this service. Visa requires that you be given a choice to either accept or decline DCC. In addition, Visa requires merchants offering this service to inform cardholders of the exchange rate including any applicable commissions or fees being charged.