How to protect yourself to avoid financial problems during the holidays

Whether we go on holiday abroad or stay in the country, remember that where there are tourists, there are usually criminals. They can make our lives difficult even by copying our credit card. Usually, this happens at the ATM, on which the so-called overlay. Criminals usually wear them on machines that people often use, that is, where they can copy a lot of cards.

– Being abroad is worthwhile to look carefully at the ATM, that there is no webcam or miniature keyboard, which allows criminals to know the PIN code – Jarosław Sadowski . – The copy device itself is usually hidden in the ATM opening, to which we insert the card.

See also: Are you going on vacation soon? Do not make life easier for a thief. Protecting the apartment "rel =" nofollow "> Leaving soon on vacation, do not make it easier for the thief to protect the apartment

– In Poland, defense against this threat is much easier to insert a card.You can do it in two ways – says Sadowski – The first is a contactless payment.Valve ticket agencies already have receivers installed that allow you to do Contactless transactions.If we see an ATM at ATM, it's worth it.The option is a withdrawal without a card – using the code BLIK.For this you need to a smartphone with a banking application that will display the code BLIK

In the case of trips abroad, huge costs can arise if you are seriously ill, or when a rescue operation with a helicopter is necessary

– Could and to protect against such threats by possessing proper insurance – adds Sadowski. – A good travel insurance must cover the costs of treatment, drugs, medical transport and transport of corpses. Here, it is crucial that the sum insured is very high, as these costs can amount to several hundred thousand zlotys in certain situations. If we go to the country of the Union, then it is also worth to meet EKUZ card . This will allow us to use public health care on the same principles as residents of a given country.

According to the analyst, it is worthwhile to buy liability insurance covering the claims of people injured or accidentally destroyed. In addition, if we go to the mountains or if we go sailing, tourist insurance should also cover the costs of rescue operations.

The final threat is the theft of the wallet. In places visited by tourists, the risk of such an event is high.

– It is better to hide your wallet. It is also best not to pack a large amount of money with you. If this is unavoidable because they do not accept payment cards on the spot and we are away from the ATM, the money is divided into several parts, for example between the husband and the wife – suggests Mr Jaroslaw. – If, for example, your husband's wallet is stolen, your wife will still have money. If, however, where we go there are ATMs or you can usually pay by card, it is worth using these options. Also remember not to keep all cards in one place. Do not write your PIN code on the card or cards on your purse or wallet. If there is no PIN on the card, the criminal who steals our wallet will only be able to make a few contactless payments. In addition, according to the law, our losses will not exceed 50 euros. If the criminal knows the PIN, he can completely erase our bank account by paying thousands of zlotys. On the other hand, the bank may refuse to refund the money because the registration of the PIN code on the card can be considered gross negligence.