A F i e l d G u i d e to s n ow b i r d i n G
M I G RATO RY
PAT T E R N S
The SouThern u.S. iS a
Sunny beT, buT flock To
a new SpoT for SomeThing
beyond The uSual
money matters
long-stay vacation:
You don’t have to commit to
the same destination every year.
Book an extended-stay holiday
with aMa Travel to explore one
city or country for 21 days or
more. It’s a great way to live like
a local, immersing yourself in
regional food, fun and sights.
what should i do Before
what haPPens if My card
Portugal: sip Vinho Verde
i leave the country?
is stolen or a transac-
and munch on fresh fish in one
of the idyllic seaside villages of
the southern algarve coast.
Contrary to popular belief,
you do not need to notify
your credit card company
when you’re leaving the country. No matter where in the
world you use your card,
fraud detection systems monitor your account at all times.
tion is declined?
Book with aMa: From $1,629
(plus tax), including air, 23
nights in Algarve and Lisbon
australia: This spring,
air Canada debuted its new
direct flight from Vancouver to
Brisbane—Canada’s first direct
flight to the land down under.
Book with aMa: From $3,149
(plus tax), including air, 21 nights
on the Gold Coast
Malta: Get to know one of
europe’s smallest countries. This
island is in the Mediterranean
sea, just south of sicily.
Book with aMa: From $1,599
(plus tax), including air, 21 nights
at the Seashells Resort
world cruise: 141 days,
35 countries, 66 cities—all
aboard a luxury ship. Viking
will launch a global cruise from
december 2017 to May 2018.
Book with aMa: From
$70,799. Call a cruise specialist
at 1-866-989-6594
52
Travelling with your CAA Rewards MasterCard? Pierre Dufour, vice
president, cards and payment solutions at National Bank of Canada,
shares his expert tips to keep your cards safe while you’re away.
fall 2016
AMA InsIder
really? i don’t need
Call your bank immediately.
You can reach National Bank
at 1-888-9MY-CARD (1-888969-2273), 24/7. We accept
collect calls too. Agents will
either send a replacement or
immediately “unfreeze” your
account if a transaction is
truly your own.
to tell theM?
Really. What you should do
though is make sure your
bank has your current cell
phone number on file—if
any fraudulent activity is
detected, we’ll call you immediately to verify individual
transactions.
i tried Buying soMething But My card was
declined. what’s uP?
National Bank uses a variety
of tools to analyze purchasing
transactions, so that we can
implement advanced fraud
detection. Your account may
have been temporarily frozen
because we spotted a suspicious purchase.
will My card Be
accePted wherever i go?
CAA Rewards MasterCard
is accepted worldwide. If
the chip-and-PIN feature—
insert card, enter PIN—is not
available, the magnetic strip
will be. Canadian banks and
credit card companies use
chip-and-PIN technology,
while the U.S. is currently
migrating to it. Many American locations will process
transactions using the swipeand-sign system. (Europe
widely accepts chip-andPIN cards.)
should i also carry cash?
Bring some cash in the local
currency for small purchases.
It’s also a good idea to carry
your debit card—banks will
rush a replacement to you if
your primary card is stolen.
how can i Protect My
card while i’M away?
Many cards are stolen from
parked vehicles, so never
leave your cards in a glove
compartment. Memorize
your PIN and don’t write it
down. If you carry both a
credit and debit card, keep
them in different places—if
you lose your wallet, you’ll
still have a card.
does My card offer any
travel Perks?
CAA Rewards MasterCard
offers baggage insurance—if
luggage is lost or delayed, you
can receive up to $100 per
day (for up to three days).
earn 1% back in reward
dollars with Caa rewards
MasterCard. To apply:
aMarewards.ca/
Mastercard