Mar 21, 2026
Capital One's switch to the Discover payment network is getting cards declined at ATMs and payment terminals overseas — Mark found out the hard way in Poland and Dublin. Chase made things worse by quietly killing fraud alerts for international charges, leaving one of Mark's travel buddies $1,000 in the hole at a bar in Poland with zero notification. Plus: a leaked Amex card nobody asked for, Yotel joining Hilton's portfolio, and why tap-to-pay overseas might actually work against you in a dispute.
What we cover:
- Capital One Dulles lounge: hot, cramped, and the worst they've visited
- Amex Graphite Business Cash Unlimited: $250 fee for a 2% card nobody needed
- Capital One's Discover network switch: why cards are failing overseas
- Mark's Capital One debit declined in Poland and Dublin — what happened
- Best international debit cards in 2026: Charles Schwab, SoFi, Fidelity
- Is Venture X still worth taking overseas?
- Yotel joins Hilton as "Select by Hilton" — bookable with points by year end
- Chase ends fraud alerts for international and non-physical charges
- Mark's buddy loses $1,000+ at a bar in Poland — no fraud alert sent
- Apple Pay overseas: biometric authorization makes disputes harder
Episode Guide:
- 0:00 - Welcome to MTM Travel
- 0:43 - Capital One Dulles lounge: the worst they've visited
- 2:23 - Amex Graphite Business Cash Unlimited: $250 for a 2% card?
- 7:17 - Capital One's Discover network switch explained
- 8:00 - Mark's Capital One debit declined in Poland and Dublin
- 8:20 - Best international debit cards: Schwab, SoFi, Fidelity
- 14:50 - Is Venture X still worth taking overseas?
- 15:42 - Yotel joins Hilton as "Select by Hilton"
- 19:33 - Chase ends international fraud alerts
- 20:50 - Mark's buddy loses $1,000+ at a bar in Poland — no fraud alert
- 23:27 - Apple Pay overseas: why disputes are harder to win
- 28:22 - Wrap + subscribe
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