As I sit here en la casa after eating a huge lunch of soup, salad, chicken, rice, squash, juice and dessert (all for just $3.75!!!), I feel that it's important to share my most recent banking drama. Hopefully my few faithful readers will be able to learn something and not make the same mistakes I made.
After a very eventful afternoon of shopping in el centro (I bought new leather boots, a total steal!), I stopped by the ATM on the way home to take out cash. I brought three cards with me to Colombia, but for some reason, only one card was working at the ATM. One card was from an account I hardly ever use, so I didn't remember the pin, and the other one was from my Wells Fargo account in California. I use this card all the time, and still don't know why it won't work. Luckily, my smith barney citibank card was working fine, at least until last Friday. Unfortunately, no matter how many ways that I inserted my card, the machines kept saying that the smith barney card couldn't be read....uh oh.
So, I was stuck in Bogotá with $8,000 pesos, which is around $4.00. But I figured I would be able to go to a bank the next day and get a cash advance on one of the cards. No big deal, right?
WRONG.
Mauricio was kind enough to go with me on Saturday to a large shopping center where there are lots of banks. We tried every imaginable thing, but for some reason, Colombia doesn't do many cash advances. Each bank said it was impossible because I had a foreign credit card. We then thought I could buy something at a grocery store and have them charge me a little more and give me some cash, but that didn't work either. It was horrible, and I'm surprised I didn't cry. Mauricio was great, though...he kept telling me to "tranquila." We finally stopped our fruitless attempts, and figured that we would just have to wait until today, Monday, to go to citibank where they would give me a cash advance since I'm an actual client.
Again, WRONG. We walked there at 9:00 am, and I didn't get home until 1:15. At first they also told us that there was nothing we could do, but then Mauricio told me to go in by myself and tell them that I was completely alone and that they simply had to help me. He also told me to pinch my nose and cry a little. So, I went in alone and he waited for me outside. The manager and her assistant luckily took pity on me and were kind and wonderful. They kept saying, "imagine...being completely alone without family in a foreign country without a single peso." They were able to connect me to smith barney in Traverse City (I love them), and they're sending me a new ATM card since mine somehow was damaged. It was good to do this all at the bank, because I was on the phone with Traverse City for at least an hour, and I don't have to pay anything to get the new card here. Then the bank tried to give me emergency cash, and again, we were on the phone trying to get authorization for HOURS. Literally, hours and hours. I finally went out to tell Mauricio that I would just meet him at home.
Finally I was able to take out $300,000 pesos from my Grayling account, because my amazing mother was able to change the pin number for me, because her name is also on the account. Whew! As you can imagine, it's very stressful to have no money and no means of getting it. I don't know if the emergency cash thing would have worked out, but it wasn't looking good.
So, to avoid this unhappy fate, I recommend the following to all of you:
1. Bring at least $500 in traveler's checks. Yes, they're kind of a pain to get, but totally worth it because they can't get stolen and are accepted in most banks. I repeat, I am NEVER going to a foreign country again without them. Never ever ever. 2. Always have the account numbers for all of your banks and accounts along with the routing numbers (key for the emergency cash...I only knew the pin numbers and the credit card numbers, which complicated things). 3. Look up the specific emergency credit card number for the country you are visiting and carry it with you at all times. There is one listed on the back of your card, but it's difficult to access. Take the time to find it online, as it will save you money in costly international calls. 4. Bring $200 in American currency if you need to exchange it (I only had $20...big mistake). Exchanging money is fast, easy, and painless. 5. And, luckily I did this because of what happened in Mexico, always have multiple copies of your passport, driver's license, and credit cards numbers. They were also asking for my social security card, which I don't have...I'm going to bring it next time. 6. Make sure to have at least three different ATM cards on hand in case one doesn't work, gets lost, stolen, deactivated, or, in my case, damaged. 7. Always call your banks ahead of time to tell them you'll have international charges. I consider msyelf a pretty experienced traveler, and I've never ever had problems with ATM machines in other countries. I didn't even think to bother with extra American currency or traveler's checks. Big mistake! But after this disastrous, stressful weekend, I will never ever again travel without a backup plan. I repeat, NEVER EVER. And luckily I speak Spanish well, so I could communicate...I absolutely cannot imagine doing this if I couldn't speak the language.
Don't make the same mistakes as I did!!!!
Love,
gina