Turn your brain on full alert mode is a must. I know I have overseas bank cards and used one here and the machine swallowed it and it took a while to get it back which I did after a number of phone calls. This reminds me when I am in the UK I must arrange for an extra back up card.
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I think it is a terrible idea to put all of your eggs in one basket as far as access to funds is concerned. There are so many ways for this to go wrong and I always travel with at least 2 methods of obtaining cash.