Ask Gadling: You’re out of money in a foreign country

by Laurel Miller on

Even the most intrepid adventure traveler dreads the thought of running out of money while in a foreign country. The fact that this situation usually occurs under dire circumstances only compounds the anxiety and frustration that result from a depleted bank account.

The only time I’ve ever run completely out of funds was on 9/11. I’d been working at a friend’s London restaurant for a month, and sleeping in her spare room. I took two weeks off to visit Spain and Portugal, before flying back into Heathrow to catch my flight home. I arrived in Lisbon my last day, on the fumes of my savings, relieved to be headed home the following morning. I had just enough money left for a dorm bed in a hostel, a couple of bread rolls, and (possibly) cab fare to the airport.

I was in a cheese shop, having a fractured bilingual conversation with the shopkeeper, when I noticed his employees in a huddle, shooting glances my way. As I departed, I felt the shopkeeper’s hand on my arm, and that’s how I found out the World Trade Center–and life as Americans knew it–was no more. I headed back to the hostel in a daze, and spent the next two hours slumped in front of the television, in shock. It quickly became clear I wasn’t going anywhere, and my lack of funds was going to be a bigger problem than I’d anticipated.

On that darkest of days, I was lucky. A savior in the form of a Dutch backpacker loaned me fifty dollars. Actually, he forced it upon me, because he saw me watching the news and quickly assessed my situation. When I was able to get back to London a couple of days later, I picked up the money my parents had wired to a bank, and spent the next week working at the restaurant and crashing on the futon.

Since most of us can’t rely upon a hot Dutch guy to magically appear with a fistful of Euros (definitely a once-in-a-lifetime occurrence), what is the best course of action if you’re suddenly broke, in a country not your own?How to obtain emergency funds

  • Get a cash advance on your debit card. I called my bank, Wells Fargo, and asked them if I could do this in an emergency. I was told that I should go into the nearest bank and request a cash advance, but that it’s entirely up to that institution, as well as your personal bank, as to whether receiving funds is possible. Still, this is the easiest, most obvious first step, assuming your card hasn’t been stolen. On a separate, but related, note, always inform your bank and credit card lenders that you will be traveling overseas, to prevent a security hold.

Most banks/credit card lenders have an “outside the U.S./collect call” number on their website or on the back of your card. Email them to yourself, and write them down on a slip of paper you carry someplace other than your wallet (in case you’re mugged, which is the most common reason travelers find themselves sans money). Actually, it’s best to make two copies of emergency numbers, so you can carry one on your person.

The below numbers are general non-U.S. collect call; many financial institutions also have toll-free numbers by country code listed on their sites.
Visa:1-443-641-2004.
Mastercard: 1-636-722-7111.
Capital One: 001-804-934-2001.
Bank of America: 1-302-738-5719.
Wells Fargo: Access codes vary by country; click here for listing.

View more Ask Gadling: Travel Advice from an Expert or send your question to ask [at] gadling [dot] com.
  • Get a cash advance on your credit card, if you have one (it’s best to carry one for major emergencies anyway, even if it’s nearly maxed out). Also, be sure to check your credit card lender’s policies on emergency travel assistance, lost/stolen luggage reimbursement, etc. It may save you money or negate your having to purchase travel insurance, which is always a good idea for long-term or adventure travelers.
  • Having someone wire money bank-to-bank is the most secure method of receiving emergency funds. Barring that, international wire transfer services are available through Western Union (1-800-325-6000), and Western Union’s Custom House. Depending upon the provider, funds can be received between one hour to three days after wiring, and service charges will vary.
  • If you’ve got a family member or friend you can trust with your checking or savings account number, have them keep it on file so they can make an emergency deposit, if necessary.
  • Some companies, like Visa, offer prepaid TravelMoney cards. These can be used in an ATM like a debit card, but function like traveler’s checks. They may also be reloadable (i.e. reuseable), and feature lost/stolen luggage reimbursement, and travel and emergency assistance services (Visa offers “24-hour translation assistance, medical and legal referrals, emergency trip arrangements, and emergency messages to relatives.”). Be aware that this pertains to assistance and referral only; it’s your dime for any fees incurred from actual services rendered. Remember, too, that while ATM’s are fairly ubiquitous throughout the world, you can’t always rely upon finding one.

The drawbacks with prepaid cards is that they’re easily lost, stolen, or chewed up by an ATM (one reason I carry three–really–ATM cards when I travel. Portugal also taught me that lesson. Admittedly, it’s more cards to potentially have stolen, but I hedge my bets). They’re also expensive to activate and load, and there can be high foreign currency exchange rate fees.

The U.S. repatriation program is federally-funded, and helps destitute or ill Americans return to the States. Again, this is for serious emergencies, if no other option is available. There are strict requirements for eligibility, and you must apply from the American Consulate or Embassy nearest you at the time.

Don’t forget to register yourself with the U.S. Department of State if you’re traveling anywhere sketchy, or engaging in high-risk activities (no, unprotected sex doesn’t count).

ACS’s domestic number (of use if you’re the one who needs to help out a fellow traveler) is 1-888-407-4747. Outside of the U.S., dial the country code, +202-501-4444.

[Photo credits: Flickr | NoHoDamon; riacale; TheeErin]

In yet another “isolated incident” – TSA officer accused of stealing laptops from lost & found

by Scott Carmichael on

Bad apples are found in every part of life – but the Transportation Security Administration seems to have a lot of bad luck keeping bad apples out of their ranks.

On Monday, 40 year old Jennifer Steplight surrendered to face charges that she stole four laptops from a TSA lost and found facility, and that she covered up the theft by creating false records.

Steplight was in charge of maintaining the records for all lost and found items at Newark airport, and was employed as a Master Transportation Security Officer-Coordination Center Officer.

Despite the long and impressive title, she apparently couldn’t resist helping herself to some of our belongings. In 2008, Steplight even received the Newark Liberty Airport “Consistency in Service” award.

She has now been charged with one count of embezzlement and one count of making false statements. If found guilty, she faces a maximum penalty of one year in prison and a $100,000 fine for the embezzlement and five years in prison and a $250,000 fine for the false statements.

[Image from Getty]

Parisian teenagers flash, steal cash

by Tom Johansmeyer on

Let’s start with the lesson first: if you’re going to Paris, take out all the cash you need at home. There’s a new scam at work … using the oldest trick in the book.

Think about the last time you went to a gentlemen’s club. As breasts went bare, men parted with their money. It’s utterly predictable. Now, assume you have two girls who can’t dance – and aren’t old enough to become strippers. How could they employ this technique for financial gain?

Two 14-year-olds in Paris figured out a way.

In the Sixth Arrondissement, the duo set out to distract ATM users and swipe their cash. After waving a newspaper at one person, according to a Reuters report, one of the criminal masterminds “allegedly opened her shirt and grabbed his [the user’s] genital area, while her accomplice took the 300 euros (about $385) that the machine spit out.”

And this isn’t the first time they used the technique. They did the same thing to lift 500 euros from a female ATM user. Taking the scam to a new low, however, they enlisted the help of an even younger accomplice.

While USA Today offers a handful of tips for avoiding ATM-related theft in Europe, here’s a good one: keep your eyes off the jailbait.

[photo by jonklinger via Flickr]

Ex-TSA official risks up to a decade in the slammer for jewelry theft

by Tom Johansmeyer on

Are fees for extra bags reason enough to keep you from checking luggage? Well, thanks to a rogue Transportation Safety Administration, you now have another one. Randy Pepper, a former TSA supervisor has entered a guilty plea, admitting to the theft of more than $20,000 in passenger belongings, including jewelry, at Seattle-Tacoma International Airport.

The 50-year-old, on whom the traveling public relied to protect its bags, was fired in July 2009, when another TSA employee saw him lifting items from passenger luggage. When officials turned to the security video, they got confirmation. According to prosecutors, the loot included gold diamond rings and sterling silver necklaces.

Now, Pepper faces up to 10 years in prison and a fine of $250,000. Sentencing is set for November, and the naughty ex-TSA official is expected to get a prison term of between six months and a year.

[photo by amandabhslater via Flickr]

Hotel employees nailed in $20 million airline ticket scam

by Tom Johansmeyer on

The feds just threw down indictments against 38 people accused of pushing fraudulent airline tickets at hefty discounts. They were slashing between $100 and $200, usually, from the normal price of a (real) ticket. And at least two of them worked in hotels, where they were accused of swiping credit card and debit card information to keep the con afloat. Among the charges are: conspiracy, credit card theft and identity theft. The rings appear to have begun in 2001.

How did it work? In Los Angeles, according to USA Today:

The government’s 25-page indictment against Jason Burks and eight other defendants says that Raun Lauderdale Jr. was one of the people who would obtain stolen credit card and debit card information and sell it to Burks, who would then use it to fraudulently buy airline tickets. Lauderdale worked at an unidentified hotel in Long Beach, Calif. On one particular day in September 2009, Burks allegedly used a stolen American Express card number to buy $3,466.03 worth of airline tickets – an Alaska Airlines ticket from St. Louis to Los Angeles, and three US Airways tickets for travel from Los Angeles to New Orleans, records show. Prosecutors say this ring operated from July 25, 2007 to May 14, 2009.

And in Atlanta:

The government’s 31-page indictment against Steven James Palmer, based in Brooklyn, and nine other defendants based in cities such as Orlando, Los Angeles and Atlanta names another hotel worker. According to the document, Alexander Lewis, 25, of McDonough, Ga., stole credit card and debt card numbers from his jobs at unidentified Atlanta hotels. Lewis also went by an alias: “Mike Gotti,” the indictment says. Prosecutors say this ring operated between August 2008 and March 27, 2010.

The alleged scammers would pick up the tickets online with stolen credit card info and use text messages or e-mail to push discount codes to their customers, which could then be parlayed into boarding passes. To stay under the radar, the bookings were kept close to departure times. Advertising was kept to a minimum, and word of mouth was used to generate new “business.”

[photo by abardwell via Flickr]