Actually, every CCD company quit placing holds for international travel, kinda works both ways having extensive international travel here as well. Parents had fraud on theirs, I never have. Kind of depends how you look at giving them a heads up. When I went to Switzerland this year, I went ahead and called, all told me they will place a note on the account, but anymore it's rare they put holds on anything anymore. I agree with Cheech, I'd get a credit pull from one of the many new companies out there, and see what's going on with your credit, sounds like more than you know? Not trying to insult you, just wondering if you may have some fraud on there..? And no, I am not defending any credit companies or banks as most of you know who I work for. I can tell you I have 0 mortgages, or car loans with my employer who most of you know, but I have my CCD, some investments, and some banking with them, but definitely not the other 2.