Something to keep in mind:We have ran into this several times mostly in rural areas altho we have had it in town when my card had got flagged for fraud. We make sure to carry a bit of cash on us as well for those o crap my card don't work and we need fuel and food moments. We also have some cash and a couple checks stashed in the rig for In case things go south.
Same here with the banking hours. Has only happened a few times but when it did man it sucks. Learned the lesson the first time with not having much cash and was almost stuck.Something to keep in mind:
Does your CC have 24/7 customer service? I mention this because my VISA does not. More like bankers hours. The fraud number will help you to freeze the card, but everything else is a m-f affair. On the other hand, my DISCOVER CC has 24/7-365 access, and very importantly.....US based representatives. I have had the card frozen, when i didn't inform them of a out of town trip. Their fraud dept. was 'johnny on the spot', and called us. We used the number on the back to call them and verify they were legit and the real CC company. We also were able to fix the card while driving, and not stuck with a worthless card til Monday morning. If you travel, letting your card company know approximately where and when your trip will be, and when you think you will be home, can save you some hassle. For me, 2x trips to Canada, and into the Pacific NW, meant i had no issues.
On a side note, i once was waiting at the gate for my flight, when a elderly couple next to me was on the phone, giving out their ID info about their Debit account. And they were heading to a connecting flight overseas. That was a total CRINGE MOMENT, and I so wanted to say something. I didn't only because they should have known better, and I didn't want them to think I was snooping! To this day I think about that.
Stone age method. STORY TIME:Your telling me you dont use travelers checks!?