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It one of those things you always know you should do, but usually you don’t end up worrying about! At home, having an extra card is just an invitation for trouble, but once you are in a foreign land, things are very different. Let me tell you about the last time I went overseas without a backup card!

Last year, were travelling in Nepal and India, when our bank cancelled our credit-card (they had notified me by mail, but, of course, I was travelling). They had issued me with a new card, but again, that was at home, not were I was.

First thought was - use the wife’s card. But, alas, same account, same problem!

Second thought was - Its alright, I have my emergency, backup cash. Well, as these things happen as the most difficult times, that money lasted almost no time at all. It seams when you only have foreign cash (Australian, not exactly hot property),your position of negotiation is severely eroded.

Anyhow, with an alternate bank credit card, even with a small limit, I would have had no problems at all. Instead we spend 4 days waiting in a fleapit for banks to open after a public holiday, in the end without enough money to cover the Cab fare to the bank!

Now, I always have a second card in my wallet, that never gets used. But the day this happens again, I will be ready!