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Your Personal Financial Security Part III

January 24, 2014 By E.J. Smith - Your Survival Guy

The next time you travel to Paris make sure your credit card has an embedded SmartChip. I called American Express yesterday to have our Platinum cards re-issued with them. Apparently it’s not standard procedure to re-issue so make the call. With a SmartChip embedded the card works seamlessly for “chip and pin” style transactions favored in Europe. Also, there are no foreign exchange charges when using the Platinum card—make sure you confirm this with your credit card company. The 40 million debit and credit card breach at Target stores reveals that the U.S. is prime hunting ground for credit card fraud. It’s time we became more like Europe and move to SmartChips. Magnetic Strip technology is from the dark ages.

Attention globetrotters and gadabouts! Vagabonds and voyagers! Wanderers and wayfarers! Don’t let your incompatible, incompetent, and all around inferior American magstripe credit card hinder your international travels. For purchases outside the States, you’ll often need an EMV chip-with-signature credit card to make purchases and pay for services. EMV (Europay, MasterCard and Visa) cards are nearly identical to the typical American credit card, but they contain a secure microchip for transmitting data. EMV cards offer a higher level of security and have become the standard in many parts of Western Europe – to the point where some merchants don’t accept our antiquated magnetic stripe technology. Here are the current American chip-with-signature EMV cards along with a few tips for making the right selection. Be sure to check out our list of no foreign transaction fee credit cards to save big on international travel.

Related video:

Related Posts

  • Your Personal Financial Security Part I
  • Your Personal Financial Security Part II
  • A Personal Security Must
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  • Recent Posts
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

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