Credit Card Travel Protections

 You May Not Know About


As the summer vacation season nears, some Staten Islanders may already be thinking about their travel plans. When using your credit card for travel purchases, make sure you’re aware of additional safeguards the card may offer, advises Victory State Bank.

To help ensure you take best advantage of such perks, the only community-based business bank on Staten Island is sharing the following information from

Your credit card may offer you some protections that are not typically advertised.

For example, when using your credit card for travel purchases, your credit card issuer may offer you travel insurance in certain situations:


§  Your trip is delayed.


§  You need to cancel your trip because you or a family member becomes ill.


§  Your luggage gets lost during travel.


If you rent a car, you may be offered auto insurance coverage as part of the rental. Some credit card networks even offer return assistance programs that extend the window for returning unused merchandise.

Keep in mind: The rules vary between cards and the issuers.



Check out the Consumer Financial Protection Bureau’s (CFPB) credit card agreement database to find your credit card agreement and learn which additional protections you have. 




VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at

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