Travelling overseas? How using your card abroad affects your account.
Why do you need to tell us about your travel plans?
It's really important to tell us your travel plans as this will reduce the possibility of your credit cards being restricted while you're away. With a Creation Credit Card, your account is monitored 24 hours a day, 7 days a week for unusual activity. If we know you’re travelling abroad we know to expect international card use.
It’s also essential to make sure your contact details are up to date so that if we need to we can contact you when you are away.
Using travel credit cards safely
Our credit cards are accepted all over the world, where you see the Mastercard logo. Remember to always be careful with your credit card, don’t let anyone take it away to take the payment and always cover the key pad with your hand when entering your PIN.
Also any transactions that you don't recognise will be investigated thoroughly.
Are overseas purchases covered by section 75?
All credit cards have protection under Section 75 of the Consumer Credit Act for anything you buy that costs between £100 and £30,000 even when you’re abroad. So if there’s an issue with something you’ve bought, you may be able to claim a refund meaning that you won’t be on your own if things go wrong with your product or the retailer.
How can you manage your holiday spending?
Creation issued credit cards allow you to monitor and manage your account online so when you're on holiday you can still check your balance and recent transactions. Help to manage your spending when you’re abroad by setting up free personalised text alerts to let you know when you get near to your credit limit and weekly updates on your balance so that you know how much you can spend.
What is dynamic currency conversion?
Dynamic currency conversion is when you’re abroad and there is the option to pay in your own home currency, rather than the local one. This may be useful to get the value of your purchase but you’ll be charged a higher exchange rate for this which isn't worth paying.
The retailer might automatically use Dynamic Currency conversion unless you say not to, so it’s best to check your bill carefully before signing anything or entering your PIN. If they have used Dynamic Currency conversion, ask to be billed in the local currency instead.
For more information visit the Mastercard cardholder services: