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using your credit or debit card for OTR

Discussion in 'Questions From New Drivers' started by dave93, Mar 22, 2015.

Page 1 of 6
  1. Mar 22, 2015 #1
    dave93

    dave93 Light Load Member

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    Jan 12, 2014
    chicago, IL
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    hi everybody thanks for taking the time to read and respond. so i was thinking and wondered about using your credit or debit card while traveling around the country. do you have to call up the company who issues the card and let them know you're working OTR and traveling. i mostly use my debit card but have a credit card for emergencies. my debit card is with bank of america and online they have an option to tell them you will be traveling but only has an option to list one location to where you will be traveling. last thing i want is my card to be put on a hold for traveling. but i guess i will forsure have to carry some cash just in case. do any of you let your credit or debit card companies know you are a truck driver?
     
    dave93, Mar 22, 2015
    dave93, Mar 22, 2015
    #1
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  3. Mar 22, 2015 #2
    brsims

    brsims Road Train Member

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    Aug 8, 2009
    Meadville, PA
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    I use my bank card all the time while trucking. It's a lot easier than carrying cash. I just told my bank what I do for a living, and they were cool with it. Never had a problem.
     
    brsims, Mar 22, 2015
    brsims, Mar 22, 2015
    #2
    dave93 Thanks this.
  4. Mar 22, 2015 #3
    STexan

    STexan Road Train Member

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    Oct 3, 2011
    Longview, TX
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    They'll figure it out soon enough. In the beginning, if you've never used either outside of your home area, they might make a verification call or text but that will be the end of it. I wouldn't call them. Test them and see if they're on the ball. We live in a very mobile, fast-paced world but their systems will pick up on some out-of-the-ordinary patterns on occasion.
     
    STexan, Mar 22, 2015
    STexan, Mar 22, 2015
    #3
    tow614 Thanks this.
  5. Mar 22, 2015 #4
    Lepton1

    Lepton1 Road Train Member

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    Nov 23, 2012
    Yukon, OK
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    I didn't pay attention to the issue regarding needing to notify the bank about my travel and ended up with my debit card cancelled due to fraud protection. Fortunately I was able to walk in to a nearby branch and get a temporary debit card issued on the spot. You do need to advise the bank you are traveling. My bank set up a one year notification, which I need to renew each year.
     
    Lepton1, Mar 22, 2015
    Lepton1, Mar 22, 2015
    #4
    dave93 Thanks this.
  7. Mar 22, 2015 #5
    dave93

    dave93 Light Load Member

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    Jan 12, 2014
    chicago, IL
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    thats good you get by okay with no problems i will probably personally go in and tell them so hopefully they put it on file so when they see my card charged in every other state they dont cancel my card. and yes so true to carry a card is so much easier. i rarely carry cash cause really dont need it. although a lady from my mechanics union lectured me about carrying cash lol. she told me what if i get a flat tire and someone comes changes it for you how will you pay them. i really dont like being a smart ### but i had too. i told her well you know this is a mechanics union right if i couldnt change a wheel i probably wouldnt be here lol.
     
    dave93, Mar 22, 2015
    dave93, Mar 22, 2015
    #5
  8. Mar 22, 2015 #6
    tmb0507

    tmb0507 Medium Load Member

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    Aug 11, 2012
    Folkston, GA
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    I use BOA as well and travel otr aND have never had a issue using mine otr
     
    tmb0507, Mar 22, 2015
    tmb0507, Mar 22, 2015
    #6
  9. Mar 22, 2015 #7
    flyingmusician

    flyingmusician Road Train Member

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    Feb 25, 2011
    Jamestown, NC
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    I had issues very early on with boa denying use of my card. I had to advise them I was traveling for work. They only allowed listing 5 states I would be traveling in so I picked 4 corners of my operating area and one in the middle.

    never had an issue after that.
     
    flyingmusician, Mar 22, 2015
    flyingmusician, Mar 22, 2015
    #7
  10. Mar 22, 2015 #8
    Oaker

    Oaker Medium Load Member

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    May 29, 2013
    SW Ohio
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    There are certain areas in the country with prevalent fraud where debit cards from some banks can be problematic. A credit card as back up makes sense. Double check fraud protection on both and your good to go.
     
    Oaker, Mar 22, 2015
    Oaker, Mar 22, 2015
    #8
  11. Mar 22, 2015 #9
    Mark Kling

    Mark Kling Technology Contributor

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    Sep 23, 2007
    Statesville, NC
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    Debit cards - you should let them know. I have B of A and was in GA, they locked my account till I called in and told them I spend the money.
    CC are the same way. I took a taxi in Dallas and got a text page as soon as he ran my card. If I did not call in then they would not validate the swipe.

    I would suggest get a third card just for OTR and move money to it as you need it via online banking....

    If a purchase is made with your Debit card and you did not make it, it takes a lot longer to get it straighten out than a CC.
     
    Mark Kling, Mar 22, 2015
    Mark Kling, Mar 22, 2015
    #9
    dave93 Thanks this.
  12. Mar 22, 2015 #10
    simpleman78

    simpleman78 Bobtail Member

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    Feb 4, 2015
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    I never had a problem when I used to travel as a field service tech. However I keep an ATM withdrawal cap on my card.
     
    simpleman78, Mar 22, 2015
    simpleman78, Mar 22, 2015
    #10
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