Hi Guys, I am going to travel to China next week. I wanted to deposit to my CitiPlus debit card and found it out my account was closed due to inactivity.
My option: I have got Coles Reloadable MasterCard, but have to increase the card limit before it can be used to an overseas ATM. I already increased it to 10,000 limit, no other limit option.
I will deposit max $3000 in my card , but I am worry if I had got scammed, What is the risk? Would I lose max $3,000 or $10,000?
Thanks very much!
You are protected for the amount you lost, not the max amount of the card. If you deposit $3k, you are protected for $3k
Cash is king in China.
Overseas credit cards are not that widely accepted. But you can get cash from most ATMs.
"closed due to inactivity"
There have been different people reporting that their cards were closed but a call to CitiBank got things working again.
I haven't used mine since last year but I transfer some money in and out of the account between CitiBank accounts and hopefully keep it active that way.
I've only once had to make a chargeback on a prepaid card and that was while the company who sold them went under. The card issuer listed on the card didn't want to do anything.
It was a horrible experience that lead no where.
Call up Coles and ask them how to make a chargeback if it is ever needed, if they give you a clear answer they are you good to go.