Here's How You Can Avoid Credit Card Fraud and Identity Theft When Traveling Away From Home
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Here's How You Can Avoid Credit Card Fraud and Identity Theft When Traveling Away From Home

There is no foolproof way to prevent fraud and identity theft, but there are steps you can take to lower your risk

August 1, 2025

Planning a trip within North Carolina or beyond? Your identity is one of your most valuable assets. Thousands of travelers each year face fraud and identity theft while away from home, which can disrupt your plans and create lengthy hassles. Follow these tips to protect yourself on the road and ensure a smooth journey.

  1. Notify your credit card issuers before you travel.

    2. Many card companies flag out-of-area charges as suspicious. You can avoid unnecessary declines and help them monitor for real fraud by using your issuer’s online travel-notice tool. Include your destinations and travel dates, whether you are headed to the Outer Banks, the Blue Ridge Mountains or overseas. This can often be done through your card’s mobile app without a phone call.

  2. Travel light: streamline your wallet and purse.

    3. Carry only the cards and IDs you need. Leave extras and backups locked in your hotel safe. In case of theft, you will reduce losses and simplify reporting. Keep one emergency card in a separate pouch or locked compartment.

  3. Carry a concealed spare wallet.

    4. If you encounter thieves, offer them a diversion wallet with a small amount of cash and expired hotel key cards. This tactic can protect your real cards and IDs until you secure replacements.

  4. Avoid front-desk scams.

    5. Fraudsters sometimes call hotel rooms pretending to be staff requesting card information to fix a billing error. Never share sensitive details by phone. Instead, say you will come to the front desk in person or use the hotel’s verified app to resolve the issue.

In case of loss or theft, act immediately:

  • Contact card issuers to cancel and replace credit and debit cards.
  • File a police report with the local agency and request a copy for your records.
  • Monitor your accounts for unauthorized charges and report them promptly.
  • Use your concealed backup card for essential expenses.
  • Check your free credit report at AnnualCreditReport.com for any new unauthorized accounts.

Additional steps before you go:

  • Avoid posting travel plans on social media, since friends of friends or strangers may see and exploit that information.
  • Place a hold on mail and newspaper deliveries through USPS or your local carrier so it does not appear you are away.
  • Secure personal data on devices with strong passwords or biometric locks, and enable remote wipe if available.
  • Leave your checkbook and unnecessary identification at home.

Important: If you lose your passport while traveling internationally, contact the nearest U.S. embassy or consulate immediately. North Carolina residents can consult the Attorney General’s identity theft resources or the Department of Insurance’s travel safety guide for additional help.