This used to happen to me all the time with Lloyds "Worldwide Service". When I would travel, I would tell them ahead of time where and when, and inevitably the

This used to happen to me all the time with Lloyds "Worldwide Service". When I would travel, I would tell them ahead of time where and when, and inevitably the first time I used my card in another country it was declined and I'd need to call in to card security and clear it. Mind you this would cost a couple quid due to the overseas use of my phone. These weren't exotic locations either, it would happen in NYC. Then one time to me it happened when I was exhausted after a very long flight, trying to check into a hotel. I got on the phone with them, sternly told them the history of events and the situation, and demanded to be compensated for the time and hassle otherwise I would switch banks. I pointed out their bank was misnamed "Worldwide Service". They put £100 in my account, and the problem seemed to go away after that point (I still needed to inform them ahead of time, but that did the trick).