A reader gets 7 easy steps for a no-worry, no-hassle vacation.

Question: We finally paid off my credit cards after three years of scrimping and saving. I’m rewarding my wife with our first-ever trip to Europe. I’ve learned not to run up my credit cards, so I’m not worried about overspending — we’ve planned this vacation very well.

But we’ve been the victim of identity theft twice, both times on our credit cards. It’s happened when we lived in a big state (New York) and a small one (South Carolina). How do I make sure it doesn’t happen on another continent?

— Paul in South Carolina

Howard Dvorkin CPA answers…

First of all, congratulations! This is what being debt-free is all about: Having good, clean, no-stress, no-guilt fun. You’ll enjoy your European vacation, and you won’t feel terrible later when the bills come in — because you’ve already planned for them.

You’re also planning for disaster, which is smart, too. Identity theft is a huge problem in this country, as Debt.com has reported. While there are no hard numbers on Americans who suffer ID theft overseas, the simple fact is, you’re more exposed to the crime than here at home. Here’s what you can do…

1. Tell some people you’re leaving

Your credit card company doesn’t want you to become a victim. If you call the number on the back of your card(s) and tell them where you’re going and for how long, their fraud departments will note that and pay extra attention to potentially bogus charges.

2. Don’t tell other people

Don’t tell everyone on your social media about your vacation plans. While you might think your settings are all marked private or “friends only,” we all know social media security isn’t airtight. If you want to brag about your trip, do it when you return home.

3. Stop your snail mail from piling up

We’re so worried about online ID theft and credit card theft, we often forget those boxes where paper envelopes arrive from the Post Office. ID thieves see a full mailbox as an invitation. By cobbling together personal mail and junk mail, they can often glean enough information to make your life miserable.

4. Empty your wallet

Pickpockets aren’t a huge problem in this country, but they can be overseas. Take only essential documents with you, and never put your Social Security card in your wallet, even here at home.

When you hit the tourist attractions, carry only one credit card with you. Leave the others and your checkbook locked in the safe in your hotel room. Why? Because if you do get your pocket picked, you can report the single card stolen and still have access to money in the meantime.

5. Make copies

A photocopier can be your best friend. Make copies of your plane ticket, passport, hotel reservations, even your credit cards and driver’s license. Lock up those copies and hope you never need them. But should you get cleaned out, these copies go a long way to quickly restoring your vacation. Don’t forget to make a list of important phone numbers and make a couple copies of that, too.

6. Be careful about phone calls and computers

If you use hotel computers, never enter or access personal financial information. (You should know better than to do that over public Wi-Fi in this country.) Also, a common tourist scam is for someone to call your room and pose as the front desk, then ask to “reconfirm” your credit card number. Hang up and call the front desk yourself.

7. Consider an ID theft service

I’ve written before about identity theft protection services like Life Lock, and Debt.com even offers one called Credit Power, which is the cheapest out there while still offering all the protection you need. If you’re skeptical, you can try out these services for less than $20, which might be a small price to pay for the peace of mind that comes with them while on vacation.

Have a fun and safe vacation, Paul!

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About the Author

Howard Dvorkin, CPA

Howard Dvorkin, CPA

I’m a certified public accountant who has authored two books on getting out of debt, Credit Hell and Power Up, and I am one of the personal finance experts for Debt.com. I have focused my professional endeavors in the consumer finance, technology, media and real estate industries creating not only Debt.com, but also Financial Apps and Start Fresh Today, among others. My personal finance advice has been included in countless articles, and has appeared in the New York Times, the Washington Post, Forbes and Entrepreneur as well as virtually every national and local newspaper in the country. Everyone should have a reason for living that’s bigger than themselves, and besides my family, mine is this: Teaching Americans how to live happily within their means. To me, money is not the root of all evil. Poor money management is. Money cannot buy happiness, but going into debt always buys misery. That’s why I launched Debt.com. I’m glad you’re here.

Published by Debt.com, LLC