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Klarna Trips

trips.klarna.com

What are klarna trips’ website services.

Trips.klarna.com is an online travel booking service that promises to help users plan their perfect getaway without the added stress of financial worry. As part of the Klarna family, a leading global payments and shopping service, trips.klarna.com boasts an array of benefits for travelers, including easy payment plans, affordable pricing, and a simple, user-friendly interface. But does it live up to the hype? Let’s take a closer look.

Klarna Trips website experience

One of the first things that users will notice about trips.klarna.com is its clean and modern design. The homepage features a beautiful background image of a tropical beach, which immediately sets the tone for a relaxing and stress-free vacation experience . The navigation bar is clearly labeled and easy to use, allowing users to browse through different travel categories , including flights, hotels , and vacation packages.

Once users select their desired category, they are presented with a list of search results that can be filtered by price, date, and other relevant factors. The website also offers helpful tips and information about each travel category, including packing tips, travel advice, and destination guides . Overall, the user experience on trips.klarna.com is pleasant and straightforward, making it an ideal choice for both novice and experienced travelers.

Klarna Trips pricing and Payment Plans

One of the main selling points of trips.klarna.com is its affordable pricing and flexible payment plans. The website partners with top travel providers to offer users the best possible prices on flights , hotels, and vacation packages . In addition, users can take advantage of Klarna’s “buy now, pay later” feature, which allows them to book their trip without having to pay the full amount upfront. Instead, users can choose to split the cost into four interest-free payments, giving them more time to pay and reducing the financial burden of travel. While this feature may be appealing to some users, it’s important to note that Klarna’s payment plans are not suitable for everyone. Users who struggle with managing their finances or have a history of overspending may want to avoid this option to avoid accruing unnecessary debt. Additionally, users should carefully review the terms and conditions of each payment plan to ensure they fully understand the costs and fees associated with their booking.

Klarna Trips Customer Service

Another important factor to consider when evaluating trips.klarna.com is its customer service. While the website offers a comprehensive FAQ section and helpful travel guides, users may encounter issues that require direct assistance from a customer service representative. In these cases, trips.klarna.com offers several options for getting in touch, including phone and email support. In addition, the website features a “Contact Us” page that includes a form for submitting questions or concerns. However, some users have reported difficulty reaching customer service representatives or receiving timely responses to their inquiries. This may be a cause for concern for users who value prompt and reliable customer service.

Is Klarna Trips safe and legit?

When booking travel online , security and privacy are critical considerations. Fortunately, trips.klarna.com takes these concerns seriously and employs robust security measures to protect users’ personal and financial information. The website uses SSL encryption to ensure that all data transmitted between the user’s device and the website’s servers is secure and private. Additionally, trips.klarna.com adheres to strict data protection policies and only collects and uses data in accordance with applicable laws and regulations. However, users should still exercise caution when entering personal or financial information on the website, especially when using public Wi-Fi or shared devices. It’s always a good idea to review the website’s privacy policy and terms of service before making a booking to ensure that you understand how your data will be collected, used, and shared.

What are the pros of Klarna Trips?

• Affordable pricing : Trips.klarna.com partners with top travel providers to offer users the best possible prices on flights, hotels, and vacation packages.
• Flexible payment plan s: Klarna’s “buy now, pay later” feature allows users to split the cost of their trip into four interest-free payments, reducing the financial burden of travel.
• Easy to use : Trips.klarna.com has a clean and modern design, making it easy for users to navigate and find the travel options they need.
• Secure and private : The website employs robust security measures to protect users’ personal and financial information, including SSL encryption and strict data protection policies.
• Comprehensive travel guides : The website offers helpful tips and information about each travel category, including packing tips, travel advice, and destination guides .

What are the cons of Klarna Trips?

• Limited travel options : Trips.klarna.com may not offer as wide a range of travel options as some of its competitors, which could be a drawback for users who have specific travel needs.
• Payment plan limitations : While the “buy now, pay later” feature may be appealing to some users, those who struggle with managing their finances or have a history of overspending may want to avoid this option to avoid accruing unnecessary debt.
• Customer service issues : Some users have reported difficulty reaching customer service representatives or receiving timely responses to their inquiries, which could be a cause for concern for users who value prompt and reliable customer service.
• Limited booking options : Trips.klarna.com may not offer as many booking options as some of its competitors, which could be a drawback for users who want more control over their travel arrangements.
• Limited coverage area : Trips.klarna.com may not offer travel options for all destinations, which could be a drawback for users who want to travel to less popular or remote locations.

What is the overall Klarna Trips experience?

Overall, trips.klarna.com offers a good option for users looking for affordable and flexible travel options, but it may not be the best choice for users who require more extensive travel planning or have specific travel needs. Additionally, users should carefully review the terms and conditions of each payment plan and be cautious when entering personal or financial information on the website.

I am a professional travel writer and travel enthusiast who traveled the world twice, so I am sharing my firsthand knowledge about everything related to travel and spending time abroad.

• Affordable pricing
• Flexible payment plans
• Easy to use
• Secure and private
• Comprehensive travel guides
• Limited travel options
• Payment plan limitations
• Customer service issues
• Limited booking options
• Limited coverage area

8+ Alternative Sites to Klarna Trips

All products and listings featured on Condé Nast Traveler are independently selected by our editors. If you purchase something through our links, we may earn an affiliate commission.

How to Use ‘Travel Now, Pay Later’ Services When Planning a Trip

By Jennifer Bradley Franklin

All products featured in this story are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

After more than a year of sticking close to home, travelers are ready to budget for a vacation once again. But if the desire to travel outpaces your finances, a growing number of “travel now, pay later” services are making immediate vacations possible. 

“Services such as Klarna and Afterpay are giving us the flexibility to afford that extra-nice hotel or to stay on vacation that extra day by staggering payments and slicing them into four rather than requiring one upfront payment,” says Michelle Halpern, the founder of the Live Like It's the Weekend travel blog.

Here’s how it works: If you find a trip, flight, or hotel and see the Klarna or Afterpay option, you can undergo a 30-second soft credit check, either through the apps or online, to determine the amount you qualify to pay in installments. You make the first payment—one-quarter of the total purchase—and get your trip or flight confirmation immediately. The service charges the remaining interest-free installments of the total every two weeks directly from your preferred payment method until the total is paid. You secure the deal instantly, there’s no impact on your credit score and there are no fees. However, using these services doesn’t help build credit and their charges are initiated automatically, which means that even if your linked bank account gets low or your credit card is near its limit, those charges are still going to happen.

“Afterpay saved my life on many occasions,” says Shawn Richards, a U.K.-based expedition coordinator for Ultimate Kilimanjaro, who spent years as a nomad. Richards recalls times when he’d decide spontaneously to go somewhere new, but wouldn’t have the ready funds. “Afterpay was like having a virtual father, as it gave me the kick I needed; I had to find a job in my destination very quickly to be able to pay for how I got there,” he says. Four years ago Richards used Afterpay to score the $1,400 open-ended flight to Tanzania that led to working with his current tour company.

The idea is catching on fast: Afterpay reported that it’s signed up more than 13 million users in North America as of January 2021. Different retailers have partnerships with different payment systems, so you might need accounts with multiple service providers to build the trip you want. For example, Airbnb offers payment through Zip (formerly Quadpay), while you can pay for trips on Booking.com and Expedia through Klarna. Here are some other things to consider.

Should I spring for a pricier trip?

While these services can be a great way to avoid credit card debt and the interest that can come with it, financial pros caution against spending more than your budget allows.

“Just because you have more time to spend your money doesn’t mean you have more money to spend,” says Tony Palazzo, CFA and Managing Partner at Berkeley Capital Partners & Access Private Capital in Atlanta , who notes that pay in four services may ease the psychological impact of a purchase, but that doesn’t mean you’re paying less. “You need to ask yourself, ‘If I can’t afford it now, how will I afford it within a [six]-week time period?’” he says.

Palazzo is currently seeing his financial services clients plan to take bigger trips , either because they haven’t spent money on travel during the pandemic or they’re rewarding themselves for a difficult 2020. “‘Revenge spending’ is a real thing, and travel appears to be a popular target,” he says.

When he was a nomad traveling the world , Richards tried to keep his budget conservative by thinking of Afterpay like borrowing money from a friend. “Then you are likely to only borrow what you need, and not more,” he says.

How to maximize the benefits

When you see an ultra-low price on a flight to your dream destination or an unheard-of deal on a hotel, services like Klarna and Afterpay can help you book it before it’s gone. “Time pressure to lock in a great deal is common with travel,” Palazzo says. “Offers appear at a moment’s notice and often require you to act quickly. Having quick access to the cash you might not have readily on hand, could better position you to nab that heavily discounted red-eye to Paris .”

Dolores Mason-Stokes, a Chicago-based plus-size fashion and travel blogger, used Klarna to book an upcoming trip to Catalina Island in California, and she’s planning to use it again to pay for a 2022 anniversary trip to Bali . She says that using the service strategically makes it easy to budget for a bigger trip because she’ll buy one element (like a flight) and pay it off before adding the next (like a hotel). “It doesn’t matter if it’s flights, transportation, places to stay or even excursions, you can pay through [Klarna],” Mason-Stokes says. “You could book an entire trip abroad.”

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16 Airlines That Let You Book Flights Now and Pay Later

Planning a trip but don't want to pay for it all at once? These sites offer book-now, pay-later flights.

Orbon Alija/Getty Images

If you think a vacation is out of your reach, think again. Some airlines and online travel agencies have services that allow you to book a trip now and pay for it over time.

Affirm, PayPal, Uplift, and Klarna are among the book-now, pay-later services travel companies and airlines offer. Here, we break down the basics of these and airlines' own "BNPL" options so you can secure flights when the prices are lowest, even if you don't want to pay for them in full upfront.

Airlines Offering Book-now, Pay-later Flights

AeroMexico connects major U.S. cities to Latin American destinations like Guadalajara and Puerto Vallarta. The airline partners with Uplift to provide a monthly payment option. When you go to book a flight, you'll see an option to pay in monthly installments. Click through and you'll be asked for any personal information Uplift needs to process the loan.

You can also pay in installments through Klarna. Download the Klarna extension for Chrome or the app and you should see a pink "K" icon that will show you financing options. AeroMexico takes PayPal, which means you can use PayPal Credit to split up payments if you're approved.

Pay monthly for Air Canada flights and Air Canada Vacations packages with Uplift or PayPal Credit.

Alaska Airlines

Alaska Airlines partners with Uplift and Klarna to offer financing for flights.

Allegiant also uses Uplift and Klarna to provide payment plans. Select the Allegiant Pay option at checkout to choose financing through Uplift.

American Airlines

American Airlines offers several ways to buy now and pay later, including Klarna; PayPal Credit; Citi Flex Pay for select Citi cardholders; and Affirm, which has biweekly, monthly, and interest-free options but doesn't cover the cost of any flight extras, like luggage. American Airlines Vacations also gives you the option to pay monthly with Uplift.

Azul Airlines is a low-cost Brazilian airline that accepts payments through Uplift and PayPal.

Delta Air Lines

Delta offers PayPal Credit as a payment option, and you can pay using Affirm if you book your trip through Delta Vacations, a service for SkyMiles members that bundles flights, hotels, transportation, and activities.

One of the United Arab Emirates' two flag carriers, this airline partners with financing institutions Uplift and Klarna. You can also pay with PayPal Credit.

Frontier Airlines

Budget carrier Frontier Airlines lets you pay monthly installments through Uplift on purchases of $49 or more. If eligible, you will see the option at checkout. Frontier is also a Klarna retail partner.

KLM offers customers the option of holding a fare for 72 hours for a non-refundable fee. This is great if you find a fare that you want to book but need a few days to think about it. In addition, the airline takes PayPal Credit. This service is shown on the payment page as a "Bill Me Later" option, but directs you to your PayPal wallet.

Lufthansa has a list of payment methods on its website. Some monthly payment options are available specifically for residents of Brazil and Colombia. U.S. residents may pay monthly through PayPal Credit.

Porter Airlines

Porter , a Canadian airline, allows customers to use Uplift and PayPal to purchase flights across the U.S. and Canada.

Qatar Airways

Unless you're flying from Brazil, Brunei, or Kazakhstan, you can hold any Qatar Airways booking for up to 72 hours. How long prospective travelers can hold their Qatar flights depends on where they intend to fly to and from. The "Hold My Booking" option, available on the payment page, requires a non-refundable fee that doesn't go toward the price of your ticket. In most cases, you can also use PayPal Credit.

Southwest Airlines uses Uplift to break the cost of the flight up into fixed monthly payments. It also accepts PayPal Credit and Klarna.

Sunwing connects Canadian cities with destinations in Mexico and the Caribbean. You can pay for plane tickets in monthly installments through Uplift.

United Airlines

Use Uplift, PayPal Credit, or Klarna to pay for United Airlines flights in monthly installments. The company also has a program called FareLock that allows you to pay a fee to hold a fare for three, seven, or 14 days before paying for it in full. If you decide not to buy the ticket, you forfeit the fee. This service is offered only on itineraries wholly operated by United Airlines and/or United Express.

Online Travel Agencies Offering Monthly Payment Options

Alternative airlines.

Any ticket booked through Alternative Airlines can be paid for in weekly, biweekly, or monthly installments with Uplift. The online travel agency markets itineraries by more than 600 airlines, and Uplift financing can be used for all of them. You can also split payments through Klarna.

CheapOair.com

CheapOair uses Affirm to offer customers a monthly payment option.

Funjet Vacations

Funjet Vacations uses Uplift to offer monthly payments for its flights and vacation packages.

Priceline uses Affirm to handle monthly payments. Select the "monthly payments" option on the secure billing step of the booking process and choose from three-, six-, or 12-month options. Alternatively, break it up into four payments over six weeks using Klarna.

How Buy-now, Pay-later Services Work

Airlines and travel agencies partner with BNPL services like the travel-specific Uplift or the more broadly available Affirm to offer monthly payment options. Some take payments through PayPal Credit and/or Klarna. Learn about the differences between these services and how they work.

Affirm allows customers to pay monthly or every two weeks. Terms can last up to 48 months for the largest loans, but more typically, they last up to a year. Interest rates vary by person, ranging from 0% to 36% APR, and are determined at the time of sign-up. A down payment and credit check might be required when you apply for a loan.

To use Affirm, you will need a phone number to use as an account login. The service is available only in the U.S. and Canada. Once you've created your account and gotten approved for a loan amount, you can set up auto-pay or pay each month via the app or website. You can find a full list of Affirm's travel partners, including airlines and accommodations, on its website.

PayPal Credit

This is a monthly payment option provided by travel companies that take PayPal. Typically, you'll choose PayPal as your payment method, and once you sign into your PayPal account, you can choose PayPal Credit. As of 2023, the variable purchase APR is about 28% for new accounts, but you can avoid paying interest altogether if you pay the loan off within six months. Loan applications are subject to credit approval.

Uplift is the leading pay-over-time financing service in the travel space, partnering with cruise lines, hotel chains, airlines, and more. Once you have selected a product, like your flight, you are shown a per-month rate based on the price of the items in your shopping cart. When you get to the payment page and choose monthly payment as your option, you will be asked for some personal details, and once you click "check rate," you will be told whether you've been approved. Uplift offers an APR of 0% to 36% based on your credit. You won't be penalized for paying late or early, and you can set up autopay so the money comes out of your account automatically.

Klarna breaks up the price of your ticket into monthly payments or four equal payments to be made two weeks apart. Add the Klarna extension to your Chrome browser or download the app on your phone, then book your flight as usual, selecting Klarna at checkout. The first payment will be due upfront. Klarna offers an APR of 0% to about 30%.

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As winter fast approaches, we think it's time to explore somewhere new. With Trip.com and Klarna, you can make those plans a reality, thanks to Klarna's Pay Later feature.

Enjoy your well-earned time off by booking now and paying up to 30 days later. And between November 7th and November 18th, enjoy an additional £25 off your flight when using Klarna upon checkout.

On top of all this, there are no additional fees or interest - and we'll plant 10 trees when you book, too.

Winter is coming - and we're all for it.

How does it work?

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'buy now, pay later' can help fund your next trip but here's what you need to know about these loans, cnbc select walks you through what you need to know if you're considering a point-of-sale loan to finance your next trip.

When it comes to planning your next vacation , travel expenses can quickly add up — even if you managed to save a little cash ahead of time. You might be tempted to choose the 'buy now, pay later' option that's offered at checkout on many travel websites, including Carnival or Expedia.

These point-of-sale loans are seductive to consumers who don't want to pay for their vacations with one lump-sum payment, allowing people to make payments over a fixed period of time, sometimes without high interest rates.

But is using the 'buy now, pay later' option to pay for your flights or hotel stays too good to be true?

CNBC Select explores some of the benefits and drawbacks of using 'buy now, pay later' for travel.

What we'll cover

What are point-of-sale loans, how do point-of-sale loans work, should you use point-of-sale loans for travel, bottom line.

'Buy now, pay later' providers (also known as point-of-sale loans) offer consumers the option to sign up for a payment plan either when they're buying something on a retailer's website or directly through the loan provider's website ahead of purchase

Point-of-sale loans give consumers the ability to make installment payments over a fixed period of time until they completely pay off their purchase. This means that you'll make payments toward your purchases bi-monthly or monthly depending on the plan and/ or provider.

These payments can typically be automated by providing your debit card or bank account information. While many providers boast 0% interest rates, some point-of-sale loans can have interest rates upwards of 30%, higher than the APRs on many credit cards.

Some of the most popular providers are Afterpay , Affirm , Klarna and Uplift . Klarna offers point-of-sale loans, some with 0% APR, that allow you to make four payments every two weeks and require a deposit at checkout, while Afterpay allows you to pay over six weeks. Afterpay, Uplift, Klarna and Affirm also offer consumers longer payment periods of up to one, two or even three years.

When you purchase a flight or an item, you're given different financing options at checkout, such as the opportunity to pay with a credit card, gift card or point-of-sale loan . You'll be redirected to the POS provider website where you can enter your personal information. 

Some companies won't perform a credit check while others will perform either a soft or hard credit inquiry . Soft credit checks don't negatively impact your credit score , but hard inquiries will temporarily decrease your score. Based on the information you enter, you'll either be approved or denied for the loan.

Afterpay doesn't do any credit checks while Klarna does soft and hard credit checks, depending on the loan.

The impact a point-of-sale one has on your credit score depends on whether the provider reports your payment history to the credit bureaus . For example, Affirm only reports your credit history to Experian for some loans and not others. For the loans that Affirm does report to Experian, your payment history, the length of your credit history with Affirm, the amount of your loan and your late payments can all show up on your credit report.

Make sure to read the terms and conditions of your POS loan to see if your negative payment history is reported to the credit bureaus.

Travel expenses might seem like the perfect opportunity to use a point-of-sale loan because it's oftentimes a big purchase that you might not have the immediate cash on hand to cover.

Klarna, Afterpay, Affirm and Uplift all offer 'buy now, pay later' option for certain travel partners. Affirm has partnerships with Delta Vacations, Priceline, StubHub and Alternative Airlines, a flight booking website. Uplift is exclusively focused on providing point-of-sale loans for travel, with around 200 travel partners , including United Airlines, Kayak , Southwest Airlines and Royal Caribbean. 

Uplift will help you cover transactions costing anywhere from $100 to $25,000. Interest rates range from 7% to 30%, but there are a few travel partners such as Carnival Cruise Line and Atlantis that have a 0% APR, according to Tom Botts, chief commercial officer at Uplift. The average APR for an Uplift point-of-sale loan is 15%, which is similar to the average APR for credit cards .

"We use a variety of factors to determine eligibility," Botts says. "Interest rates are based on a number of factors including credit history, transaction amount and time to travel."

Uplift also only performs a soft credit check which won't negatively impact your credit score.

If you're able to secure a loan with 0% APR and make your payments on time, a point-of-sale loan could be a good choice for funding a trip. But if those monthly payments won't easily fit within your budget, be wary of a POS loan and read the fine print beforehand to determine how much you'll end up paying in interest.

For example, if you use Affirm to finance your purchases on Alternative Airlines , you can only get a 0% APR on your point-of-sale loan if you buy a flight that costs less than $500. If your ticket costs more than $500 , you could incur an interest rate of up to 30%, depending on your creditworthiness.

If you spend $1,000 on a flight and choose a 12-month payment plan with Affirm, you'll have to cough up nearly $100 in interest if you have a 20% APR on your loan. One perk of using Affirm over a credit card is that you'll have a longer payment period (of 3, 6, 12 or 18 months) which helps to spread the expenses over time into more manageable payments. And with an installment loan from Affirm or Uplift, the interest doesn't compound month over month, so your payment stays the same over the loan's term.

But a big drawback of using point-of-sale loans for travel is having to deal with unexpected problems, like trip cancellations or delays, says Priya Malani, the CEO and founder of Stash Wealth.

"If a trip is canceled or delayed with unexpected fees, your loan is still due. You're on the hook for the agreed upon total. Even though you may have checked out in one fluid process, you're still working with two separate entities — the travel provider and the POS loan provider," Malani says.

When it comes to funding your resort stay in Cancun or your flight to the Maldives, there are other options for financing your trip.

Travel rewards credit cards offer higher rewards rates for money spent on travel and the points you earn can go toward booking flights or hotels. While travel credit cards typically come with an annual fee, some offer a 0% introductory period, so you won't have to worry about high interest rates kicking in for 12 months or longer. If you go the 0% APR route, make sure you set up a repayment plan and pay the minimum each month so you don't end up paying late fees or big interest charges.

The Chase Sapphire Preferred® Card is currently offering a welcome bonus offer where new cardholders can earn 75,000 points after they spend $4,000 on purchases in the first three months from account opening. Points can be redeemed for over $900 worth of travel when booked through Chase Travel℠.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card is also a solid choice but comes with a smaller welcome bonus and higher rewards rate than the Preferred, giving 2X miles per dollar on every purchase and a welcome offer of 75,000 bonus miles if you spend $4,000 within three months of account opening.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Travel cards also often come with additional perks such as car rental insurance, trip cancellation insurance and purchase protection. You won't get any of these perks when you use a POS loan for travel.

If you worry about putting a big expense on your credit card or you're only eligible for a POS loan with high APR, you should also consider creating a travel fund instead.

By saving your money in a high-yield savings account , you'll be earning more (thanks to compound interest ) than you would be if you put your money in either a checking account or a traditional savings account. Creating a separate fund for travel can also give you a money goal to strive for and setting up automatic monthly transfers can help you avoid spending money on other short-term, more frivolous purchases.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Point-of-sale loans are attractive because of how easy they are to use — you simply provide some basic information about yourself to the loan provider before checking out and you can instantaneously get a loan that will allow you to spread the cost of your trip over a few months. If you're not diligent about reading the fine print, however, there can be a lot of caveats to using the 'buy now, pay later' option, including high interest rates and late fees.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of buy now, pay later loan products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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This Summer’s Secret Travel Hack: Klarna

• June 4, 2024

Summer is here and it is predicted to be another record-breaking year in terms of the number of people traveling.  I feel like I’ve been hearing this for the last three years! And yet what is different is how consumer preferences have changed: all that pent-up demand of overly zealous travelers has calmed as people are being more thoughtful in their choices, looking for more flexibility and spontaneity, and the travel industry is about to see that shift. 

Klarna , the AI powered global payments network and shopping assistant, conducted a survey focused on consumer travel habits and trends, and according to the findings, 97% of people will travel this summer (th e majority of these travelers will be Baby Boomers and Gen X), but the cost of living crisis is affecting summer travel plans with consumers being more sensitive when choosing where to spend their money. As such, consumers are planning to travel to locations closer to home with 71% planning to vacation in their home country, 22% will take a shorter trip this year, 32% will look for cheaper accommodations, and 25% will look for more affordable transportation options.

Beyond that, other trends I’ve noticed are that travelers are looking to escape the heat by heading north and planning “coolcations,” while also looking for more “quietude” destinations to escape the hustle and bustle of typical hot spot destinations. Scandinavia has seen a surge in bookings this summer because of its “quietude” and more moderate climate.  For instance, Norway is one of this summer’s hottest…I mean coolest destinations.

So this summer I’ve partnered with Klarna , a game changer for smart shopping and interest-free payments, to help you travel smarter and make the most of your travel budget. From booking flights and accommodations to travel essentials, Klarna is a one-stop-shop for traveling this summer – Klarna works with over 500k+ merchant partners like Airbnb, Expedia, Bookings.com, Hotels.com, and Uber to provide flexible payment options, making travel expenses more manageable.

Fun fact: With Klarna, travelers can split their payments into four interest-free payments over 6 weeks, alleviating the burden of paying for travel-related purchases. Klarna’s Pay in 4 flexible payment option is a great alternative to traditional credit cards when booking travel, which typically accrue high interest rates.   Additionally, Klarna’s Search & Compare feature allows travelers to compare prices on all their travel needs and get the best available deal before making a purchase – it even has a money manager tool that enables consumers to set a personal limit on their spending to stay within their budget! 

Given the findings from Klarna’s travel report and current travel trends, I’ve curated a summer travel itinerary featuring the best on and off-the-beaten-path spots to eat, experience, and stay on Route 2: the Great Northern, which is the perfect answer for all travelers’ current woes.

I’ve also curated my list of top essentials to take on any trip which you can easily shop for in my collection on Klarna . 

Klarna transforms the way we think about booking travel by offering interest-free payments when you pay in 4 and empowering adventurers to book spontaneously AND responsibly. It’s the ultimate travel hack!

And now for your next “coolcation” with quietude.    

U.S. Route 2: The Great Northern Road

You could start East in Maine and head west or start West in Washington and head East.  I’m starting west as the state of Washington really kicks off what is going to be an automotive odyssey driving through stunning landscapes from dense forests, mountain peaks to an expanse of high desert.  Washington is one heck of a way to start!

Travelers note: In every state you travel through, always make certain all your luggage or anything valuable is in your trunk or cannot be seen by looking in your car. 

• Seattle – This is most likely the city you will be flying into to begin your journey.  Here are a few of my favorite spots to enjoy that will make a great bon voyage!
• Walk the Waterfront Park – Walk along Elliot Bay with views of Puget Sound and the snowcapped (even in summer) Olympic Mountains.  Start at Pikes Place Market and just keep walking you’ll encounter busy public piers, quiet lawns, playgrounds, and outdoor sculpture parks. 
• Ivar’s Acres of Clams – This is the last you’ll see of seafood from the source until you hit Maine so make the most of it.  Ivars has been a Seattle institution since 1939. Their Waterfront location and wild caught seafood makes for a perfect celebratory meal. 
• Big John’s PFI – Family owned since 1971. Stock up on international and eclectic road snacks you know you won’t see for at least four states. 
• Inn at the Market – The hotel feels  like a secret and peaceful hideaway with quick access to most of Seattle’s top attractions including Pikes Place Market and the Waterfront.  
• Snohomish – Great town to stop and stretch those legs.  Snohomish is a treasure-hunting mecca, home to more than 150 stores! Star Center Mall is the largest at 5 floors and 200 dealers. 
• Stevens Pass Greenway – Part of Route 2 this 90 mile National Scenic Byway allows you to “Pass” up to an elevation of 4,000 feet.  All along the way are soaring mountain peaks, waterfalls and old growth forests.  
• Leavenworth – An international twist to a classic American road trip, Leavenworth is a small village located in the mountains where all the buildings are Bavarian in architecture.
• The Nutcracker Museum – This charming quick stop has 9,000 nutcrackers, or 20 more than your mom.  Some go back centuries. 
• München Haus  – The Big Bobs Bratwurst and a soft Bavarian pretzel. Vegans will be happy to know they have Beyond sausage. 
• Cave B Estate Winery in Quincy – Makes sense to enjoy a winery in a state known for them. At Cave B All 25 of their wines are 100% sourced from their Cave B vineyard, super local. In 2023, Winemaker Freddy Arredondo was awarded “Top 4 WA Winemakers” by the Seattle Wine Awards. 
• Spokane – The place to be is Riverfront Park no matter what your age or ability is.  It has a carousel, a SkyRide over the Spokane River, and a waterfall – a 40,000 sq feet playground with a three story slide tower and splash pad as well as the Providence Playscape, an all-inclusive playground that supports physical, social and sensory needs. 
• Montvale Hotel – Spokane’s oldest and most historic hotel.  Centrally located in the arts and entertainment district and walking distance to the Riverfront.  The unique second floor lobby has a cozy old world feel with leather club chairs, go over your itinerary and map with a glass of wine and call it a night.  

For the rest of the 9 states and their places to see, experience and stay along the famous Rt. 2,  follow this link. 

This post is in partnership with Klarna. All opinions are my own.

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Jet off on your dream 2024 getaway with vacation payment plans by Expedia Affirm. From relaxing beach escapes to European city breaks, your next adventure is more affordable than you think thanks to Expedia’s book now, pay later vacations. Instead of paying the entire trip cost up front, pay-later travel deal lets you make monthly payments towards your adventure whether it’s in 2024 or 2025. Expedia Affirm gives you the option to spread the cost over 3, 6, or 12 months, with no hidden fees. This means you can bag the best travel deals with monthly vacation payment plans. 

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Worried your 2024 plans may change? No problem. Expedia Affirm lets you cancel or modify your booking at no extra cost. You’ll encounter epic vacation payment plans with flexible booking conditions for a vast array of accommodation, car rental, and travel packages. Read on for ideas and inspiration, with everything from romantic weekend getaways to all-inclusive vacations with payment plans. 

Book now, pay later vacations

1. choose your dream expedia vacation.

Take your pick from hundreds of book now, pay later vacation packages. Need inspiration for 2024? Scroll down and you’ll encounter plenty of ideas for relaxing vacations with payment plans, including short getaways and international adventures. If you’ve got somewhere in mind, tap your dates and destination into the search wizard to compare the best pay-later travel deals.

2. Select the plan that works for you

Ready to snatch up one of Expedia’s book now, pay later vacations? Then click “Monthly payments” at checkout, “Continue to Affirm”, and enter a few pieces of information. It’ll give you an instant, real-time decision and display the vacation payment plans available. Pick the one that suits you best and you’re all set – your dream escape is booked.

3. Make simple and easy payments

Once you’ve reserved one of Expedia’s book now, pay later vacation packages, create your account to set up monthly payments. You can do so through the Affirm website or by downloading the app. Whichever option you choose, you can set up automatic payments in a few quick and easy steps.

Why book now, pay later with Expedia?

Whether it’s catching a tan in the Caribbean or soaking up the culture in Europe, you can now jet off on the adventure you’ve been dreaming of for years. With a vast array of destinations and vacation types available, Expedia Affirm makes travel more affordable than ever. Here are just some of the benefits of booking Expedia’s buy now, pay later vacations. 

waiting until pay day to score the best discounts.

Frequently asked questions about payment plans to book now, pay later on Expedia

Can i pay monthly for my vacation with expedia.

Yes, you can pay monthly for your vacation with Expedia Affirm vacation payment plans. Simply choose your dream travel package and select “Monthly payments” at checkout. You’ll have the option to spread the cost over 3, 6, or 12 months, giving you financial flexibility when planning your dream getaway. These pay-later travel deals include all-inclusive escapes, family breaks, weekend getaways, and more. Thanks to Expedia’s vacation payment plans, you can now jet off on the adventure you’ve been dreaming of for years.

How to use Affirm on Expedia and where can I find this payment option?

To take advantage of Affirm’s vacation payment plans, choose your travel package and select “Monthly payments” at checkout. Click “Continue to Affirm”, enter your details, and you’ll get an instant, real-time decision. It’ll then display the final cost for spreading the cost over 3, 6, or 12 months. Choose the plan that’s right for you and you’re all set. You can then log in to Affirm or download the app to set up automatic payments.

How do I use Afterpay on Expedia?

Affirm is Expedia’s trusted partner for pay-later travel. Book with Expedia Affirm to spread the cost over 3, 6, or 12 monthly payments with simple interest and no hidden fees. You can even set up automatic payments on Affirm’s website or through the app. Expedia’s vacation payment plans are available on a vast array of packages, accommodation, and car rentals.

Is there a credit check when paying with a payment plan?

Yes, there is a credit check to see if you qualify for Expedia Affirm’s vacation payment plans. The good news is this pre-check will have no impact on your credit score. It’s quick and easy to perform, and you’ll get a real-time decision instantly. All you need to do is enter a few brief details to do the check.

Can I book all-inclusive vacations with payment plans?

With Expedia Affirm, you can book a vast array of all-inclusive vacations with payment plans. Choose to split the total cost of your escape into 3, 6, or 12 monthly installments. If you’re open to ideas and need inspiration, check out Expedia’s all-inclusive vacation packages to view some of the most popular deals. If you know where you’d like to jet off to, tap your dates and destination into the search wizard. Select the “All-inclusive” filter under “Meal plans available” to view hundreds of the best vacations with payment installments. Whether you’re craving white-sand beaches in the Bahamas or the tropical shores of Hawaii, your next getaway is more affordable than you think. 

Can I book family vacation packages with payment plans?

You can book a wide range of family vacation packages with payment plans thanks to Expedia Affirm. Once you’ve found your perfect 2024 escape, click the “Monthly payment” tab at checkout and follow the quick and easy steps. You’ll have the option to pay in 3, 6, or 12 monthly installments with simple interest and no hidden fees. Take a peek at Expedia’s family vacations for ideas and inspiration. If you’ve got somewhere in mind already, enter your dates and destination into the search wizard to view hundreds of the best pay-later travel deals. From Florida’s exhilarating theme parks to the Dominican Republic’s fun-filled kid-friendly resorts, your family adventure is just a few clicks away. 

What are the benefits of vacation payment plans?

Expedia’s book now, pay later vacations mean you can jet off on the dream trip you wouldn’t otherwise be able to afford in 2024. From romantic sunsets on Jamaica’s beaches to the elegant streets of Paris, the world is more accessible with Expedia Affirm. You’ll have the option to pay in 3, 6, or 12 monthly installments, and you’ll see the total cost up front. There are no hidden fees or late payment fees either, so you can rest assured that what you see is what you pay. Automatic payments are easy to set up and make for a hassle-free booking. Many of Expedia’s vacation packages even allow you to modify or cancel your trip at no extra cost, giving you peace of mind in case your 2024 plans change. As you no longer have to pay up front, you can nab the best travel deals before they’re gone – no need to save up or wait until payday.

How can I find great deals on vacation packages with payment plans?

If you’re keen to score the best deals on book now, pay later vacations in 2024, it’s a good idea to be flexible with your dates. You may find cheaper vacations on different days. For travel during peak season dates, be sure to book early to nab the best prices and your first choice of hotels – accommodation can fill up during busier months. If you plan to get away in low season, you may score a great deal for a last-minute escape. Another way to score great travel discounts is to take advantage of special offers, discounts, and promotions.

Are there any additional fees or interest charges for pay monthly vacations?

You’ll be pleased to know there are no hidden fees with Expedia Affirm’s monthly payment vacation plans. What you see is what you’ll pay. Before you confirm, you’ll be able to view the total cost of your book now, pay later vacation package. While most credit cards charge compound interest that’s complicated to work out, with Affirm you’ll pay simple interest on your monthly installments. Best of all, there are no late payment fees or just-because fees. Expedia Affirm’s simple and transparent pricing make booking your dream 2024 escape a breeze.

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From Prada to Zara—Here's Everything I Packed for 7 Days in Monaco

It's hard to believe that I was swimming in the Mediterranean Sea on the morning of my flight back to New York from Monaco just over a week ago, a practice I highly recommend as a pre-travel pick-me-up. I'd spent a total of seven days between the municipality and Nice, France, covering all things fashion and Formula One with BWT Alpine F1 Team for the Monaco Grand Prix. It was the trip of a lifetime, something I knew would be the case long before I touched down in the French Riviera. This is why I spent weeks meticulously planning my outfits. Before I'd even done my interview prep (stay tuned for that), I had built a Google Drive to organise the potential contents of my two suitcases. As this was perhaps the most significant dressing opportunity of my 28 years thus far, I felt I had to do it right.

Everyone I asked ahead of my travels told me that Monaco pretty much epitomised the old money, quiet luxury trend. They said to expect a lot of white linen , neutral colours, and quintessential designer pieces like Hermès Kellys and Oran sandals, Loro Piana L27 mini bags, and Chanel cap-toe slingbacks. I did see all of those things on multiple occasions, but since my budget was limited and I don't own any of those items, I pretty much chose to throw out all of the packing advice I was given and go rogue.

With 75-degree days on the forecast for almost the entire time I was away (with the exception of one very wet afternoon), I set out to plan outfits that felt like me, picking pieces I knew I'd be excited to wear and document. For the first few days, I set aside outfits that were easy and casual but still elegant and refined . Later, as the biggest F1 weekend of the year commenced, my looks got a touch more intentional. Scroll down to find out exactly what I mean, where I've laid out all eight of my hand-chosen ensembles from the week I just spent in Monte Carlo. There's Prada and Zara, H&M and Tory Burch, Dissh and Bottega Veneta—essentially, I packed a little bit of everything. Shocker, no packed item, apart from one dress, went unworn. Impressive, I know.

Outfit 1: Explore Nice and Settle In

Since we flew overnight from New York to Nice, I definitely needed some downtime to get acquainted to the new time zone, unpack, and, of course, go to a French pharmacy and stock up on products that aren't available in the States. Immediately upon arriving at the hotel, I changed out of my plane clothes—a charcoal cashmere sweater from J.Crew and my favourite Tibi Tuck Jeans that feel like sweatpants but look like they were on the runway (because they were)—and into a fresh, temperature-appropriate ensemble. I'd been eyeing this halter top from Zara for weeks because of how Khaite-like it appeared online, and I was beyond thrilled to discover that it is just as good in-person as it looked on Zara's website. I paired it with long, dark-wash denim shorts, and together, the pieces felt easy but nice at the same time.

Shop the Look:

This simple knit halter top will make any outfit look expensive.

A slightly longer pair of shorts will add an elegant feel to the outfit.

An investment you won't regret.

Outfit 2: Lunch at Le Plongeoir in Nice

I've heard so much about Le Plongeoir from friends who've been there and TikTok reviews, but I never thought I'd actually go there. When I saw the famous seaside restaurant on our trip's itinerary, I knew I wanted to wear something fun for the occasion. To enjoy ceviche and grilled octopus with waves crashing against the seawall as background music, I picked two pieces from one of this season's earlier Zara drops, a super-lightweight brown V-neck sweater and a patterned linen pencil skirt coloured in shades of pink and burgundy. These two items were actually styled together on the website, prompting me to get both. The skirt especially called my name. I feel like it gives a sort of Marni-meets-Prada vibe that I fell for immediately.

Brown is just as versatile as black.

An elevated twist on the classic hoop earring.

Outfit 3: Dinner in Nice

Since lunch was quite the occasion—let's just say that it took a significant amount of time and effort to get the reservation—our group wanted dinner to be on the low-maintenance side, so we popped into an adorable, twinkle-lit restaurant for fresh fish and homemade pasta. I've owned this H&M halter dress for a few months now and haven't yet had the chance to wear it. I nearly didn't even bring it on this trip, but I had some extra room in my check bag and figured, Why not? Suffice to say, it ended up being the perfect choice for our evening, which ended at a great dive with even better live music. Did I mention that it's £28?

You don't have to spend loads on chic-looking sunglasses.

Perfect for holidays as well as the office, this bag is so versatile.

Outfit 4: Exploring Monaco and Vintage Alpine Car Tour

For our first day in Monaco, we had plans to meet Alpine driver Esteban Ocon and get a tour around one of the French car brand's oldest and most prestigious models from the 1970s: the Alpine Renault Berlinette 1300. As someone who clearly loves cars, especially vintage ones, I was psyched, leading me to choose my best outfit of the trip for this occasion.

I've been obsessed with Prada's S/S 22 collection ever since it debuted on the runway at Milan Fashion Week, searching for pieces from it at The RealReal, Vestiaire Collective, and eBay every morning for years. Just before my Monaco trip, I finally scored a knit skort from the collection at a fantastic price, practically forcing me to bring it along. I styled the brown bottoms with a white sleeveless tee from Zara's latest Studio Collection and my go-to black satin mules from BY FAR that I've broken in to the extent that they're essentially as comfortable as trainers at this point.

After chatting with Ocon and getting an impromptu joy ride around the streets of Monte Carlo , we decided to adventure around the municipality, stopping to do some shopping—both vintage and new, including Prada, Zara, and Bottega Veneta—before heading to dinner at Crazy Pizza, a restaurant located literally on Circuit de Monaco.

Simple but so effective.

The logo belt is such a nice touch.

Outfit 5: Media Day at the Monaco Grand Prix and Rooftop Dinner in Nice

Though my heels from the day before are my most comfortable, they're still heels, so with media day being so jam-packed in Monaco, I knew I had to select an outfit that worked with flats for the busy schedule ahead. My solution was this white mixed-media maxi from Zara. I paired it with leopard-print ballet flats that feel like you're wearing nothing at all (bless) and my favourite Bottega Veneta Andiamo bag that surprisingly fits so much and can be worn in three ways. This makes it great for those situations when you need to be hands-free, like, for instance, when you're interviewing F1 drivers!

After my interviews with Alpine driver Pierre Gasly and Ocon, I spent some time exploring the F1 paddock, especially Alpine's garage. From the balcony above, you can see Gasly performing more of his media-day duties, being filmed explaining the dozens of different, very important functions on his steering wheel. After our own commitments were completed, we headed back to Nice and enjoyed a sunset dinner on the rooftop at Le Méridien Nice, a seaside hotel with stunning views and even better frites.

A white maxi dress is a summer staple.

Cheetah print will never date.

Outfit 6: Free Practice 1 and 2 at the Monaco Grand Prix

For Free Practice 1 and 2 on the Friday of the Monaco Grand Prix, I was an outfit repeater, but luckily, that's never something I'd ashamed about, especially when I'm living out of a suitcase. I loved the way this Zara halter looked with denim shorts, but I wanted to dress it up a little bit the second time I wore it. I swapped out the jeans for my new favorite capris from Donni that I've been wearing nonstop ever since I got them a few months ago. Because everything from this outfit was super stretchy and comfortable, I felt ready to bring the heels back out.

We watched both practice sessions from a balcony above Alpine's garage, giving us the absolute best view of the pits and turn 15 and 16, which arrive after Monaco's famous swimming pool.

The bow on this is so cute.

Pedal pushers are a big trend for 2024.

A chic way to keep your hair out of your face during the warmer months.

Outfit 7: Qualifying at the Monaco Grand Prix

Qualifying in Monaco is what race day is at practically every other race on the F1 calendar. The streets are so tight, and modern F1 cars are so big that the position you start in on Sunday is usually the same one you end in, barring any major crashes or strategic errors. Knowing that, when I went about deciding what to wear on Quali day, I knew I wanted it to be my best, most standout outfit of the trip. This is how I ended up watching the excitement unfold in a draped silk-jersey minidress from Tory Burch's S/S 24 runway collection that I haven't stopped thinking about since I watched it debut way back in September 2023. It's a perfect dress—period—which worked out great since Saturday was a perfect day.

We were lucky enough to watch qualifying from Alpine's yacht, which offered a view of the straight between the Nouvelle Chicane (turns 10 and 11) and Tabac (turn 12) and some truly stellar catering, including dessert trays full of madeleines, macarons, and more. The look was just the icing on top.

I predict this colour is going to be very popular for summer 2024.

Outfit 8: Race Day at the Monaco Grand Prix

Qualifying is often called the most important day of the Monaco Grand Prix, but given that this year saw a local Monégasque driver start from pole position (first place), race day was hardly chill. I had initially planned to wear a red Prada dress from the same S/S 22 collection as my skort, knowing that it was fit for the occasion. However, when I found out that we'd once again be watching from the Alpine boat, I decided against a fitted pencil dress, as the shape is not exactly flexible enough for boarding and deboarding a yacht via rope ladder. Instead, I opted for this casual but still polished ensemble. Specifically, I chose a cropped white V-neck knit from Zara and some old Proenza Schouler chinos that are perfect for wearing with ballet flats.

The race began with a whole lot of chaos, but after lap one, things mellowed out significantly. In the end, Gasly scored his first points of the season in 10th place, which our group celebrated beautifully with entire pizzas at our go-to restaurant just a few streets up from the paddock entrance. By way of a miracle, no sauce made it onto my sweater or pants, further proving that this trip was an epic success.

This sweater gives off major quiet luxury vibes.

So easy to dress up or down.

Eliza Huber is a New York City–based fashion editor who specializes in trend reporting, brand discovery, and celebrity style. She joined Who What Wear in 2021 after almost four years on the fashion editorial team at Refinery29, the job she took after graduating with a marketing degree from the University of Iowa. She has since launched two monthly columns,  Let's Get a Room and Ways to Wear ; profiled the likes of Dakota Fanning , Diane Kruger , Katie Holmes , and Sabrina Carpenter for WWW's monthly cover features; and reported on everything from the relationship between Formula One and fashion to the top trends from fashion month, season after season. Eliza now lives on the Upper West Side and spends her free time researching F1 fashion imagery for her side Instagram accounts @thepinnacleoffashion and @f1paddockfits , running in Central Park, and scouring eBay for '90s Prada and '80s Yves Saint Laurent.

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Help! A Gas Station Charged Me $1,500 and My Bank Won’t Believe It’s Fraud.

After returning home from a wedding in Mexico, a traveler found a huge charge on his credit card and suspected a gas station attendant was responsible. Wells Fargo didn’t believe him.

By Seth Kugel

Dear Tripped Up,

Last October, my extended family spent a week in Todos Santos, in Mexico’s Baja California peninsula, for a wedding. All went well, but when I got back, I noticed an unusual charge on my credit card: $1,500.49, made on the day we flew home to the United States from San José del Cabo. The merchant appeared to be a restaurant in Mexico City. I recalled that when we went to fill up the rental car at a Chevron station near the airport, the attendant placed the card in a hand-held machine and then told me it had been rejected, requiring me to use a second card. Nothing else unusual happened that day, and reviews on Google for this gas station contain eerily similar accusations of fraudulent charges from other tourists. I disputed the charge, but Wells Fargo repeatedly denied my claim, even when I asked the Better Business Bureau to intercede. Can you help? Nate, Wayland, Mass.

We cannot be sure the fraud occurred at the gas station, but if so, it’s a clever scam. The worker presumably slipped your card into a bogus card reader and charged you $1,500 just as you were rushing to return your rental car and catch a flight out of the country, knowing you were unlikely to report the crime to Mexican authorities. It’s a good reminder for travelers that we need to be ever vigilant on vacation, even when we’re cranky or tired or stressed or otherwise out of our element.

It’s also a good excuse to consider how dependent we have become on our credit card issuers to save the day in such situations. As you found out, that doesn’t always happen.

Humor me while I consider the situation from the perspective of a bank like Wells Fargo. What might seem like obvious fraud when it happens to us is not necessarily a crystal clear crime to a fraud claims team tasked with sifting out their clients who are honest vacationers from others who may themselves be fraudsters.

Since I trust you are in the former camp, I reached out to Wells Fargo and soon afterward, a representative got in touch with you by phone and agreed to refund the charge, plus interest. A week later, you received a check for $1,609.96.

“We take customer concerns seriously and seriously investigate all customer claims,” wrote Jennifer Landan, a spokeswoman for the company, in an email statement to me. “We worked directly with our customer on this matter, and it is resolved.”

But, of course, it should have been resolved earlier and without my intervention. Was there anything you should have done differently? Was there anything Wells Fargo should have done differently?

The answers are yes and yes.

Though you explicitly gave your permission for Wells Fargo to discuss the incident with me, Ms. Langan told me the company would not talk about the particulars of your case. But she did leave a clue, writing to me that Wells Fargo encourages customers to act “when they receive a fraud alert, phone call or correspondence about a transaction.”

So I asked you to look through your phone and email messages with Wells Fargo at the time of your travel, and the bank did send you a fraud alert, via text, at about the time of the transaction. You didn’t get it at the time, you said, because you had not been able to receive messages while in Mexico. And you somehow missed it when you got back home.

Though I encourage everyone to disconnect while traveling, I will henceforth recommend an exception for text messages so you can monitor your credit card transactions. (You might even consider having your bank alert you every time a transaction occurs, even if it is not suspicious, which can also be helpful in monitoring what exchange rate you’re getting.)

What happened on Wells Fargo’s end that led them to reject your claim multiple times? Though I couldn’t get specific details from Ms. Langan, we do know exactly what the Wells Fargo representative said, since you recorded the call with her permission.

The agent told you it was “normal procedure” for Wells Fargo’s fraud teams to deny fraud claims if a chip card was in the owner’s possession the entire time, which you told them it was. But technically speaking, that was incorrect: The card was briefly out of your hands when the station attendant took it and inserted in a hand-held machine at your car window.

OK, so you didn’t see the text alert and didn’t correctly parse exactly what “in your possession” meant. But given your continued appeals and the online reviews of the gas station and others in the area that corroborate your account, it’s disappointing Wells Fargo continued to be so stubborn.

The representative you spoke to conceded the team who worked on your case could have done better. “We are going to try to revise our procedures,” she said, noting that she had coached the person who made the decision on how to do “better, thorough research.”

That’s good to hear, although I’d feel more confident if I had heard it straight from an official company source rather than on a recorded phone call.

Here’s another piece of advice for travelers as mobile card readers become the default form of payment in many places: When possible, ask for the machine and to insert (or tap) the card yourself, watching the screen carefully. In much of the world (though for some reason, not in many American restaurants), the days of a merchant taking your card to the back to run it through a machine (and potentially a skimmer to steal your information) are long gone.

Though you were quite reasonably frustrated with Wells Fargo, let’s be clear here. The real villains are those who committed this crime in the first place and somehow, whether at the gas station or elsewhere, managed to charge $1,500 to a business called Comida Corrida in faraway Mexico City.

I got in touch with Grupo Horizon, which operates the Chevron Emerald gas station you went to, as well as dozens of Chevron stations in the states of Baja California Sur and Sinaloa.

Gilberto Gómez, the company’s business director, responded by email, saying he was unaware of such issues and encouraged you to send him details. “We take follow-ups to this kind of complaint very seriously and meticulously,” he wrote in Spanish. “If there is any harm to our customers attributable to the gas station, we address it.” (I’ve given you his email address and you told me you would follow up with him.)

But considering the Google reviews at this location and several other (non-Chevron) gas stations in the region, I am skeptical that Grupo Horizon is not aware of the problem. Mr. Gómez did not respond when I followed up twice about whether he had seen the Google reviews.

I also got in touch with the Los Cabos Tourism Board. When its managing director, Rodrigo Esponda, got back to me, he said he was “deeply concerned about the situation,” and had spoken to the Baja California Sur state attorney’s office, which told him it was investigating the matter. He also recommended that tourists who have complaints about a business in the region should register them with Mexico’s federal consumer protection organ, Profeco.

In the meantime, could the solution simply be to pay cash at Cabo-area gas stations? Alas, no: There are also reports of gas station attendants switching out large bills customers pay with for smaller ones and demanding more. And don’t even get me started on the Tripped Up complaints that come about the poor customer service travelers encounter in car rental agencies near Mexican beach destinations. The best solution for sun-seekers may be to skip the car rental altogether and hire a driver, use car-share services or take public transportation.

If you need advice about a best-laid travel plan that went awry, send an email to [email protected] .

Follow New York Times Travel on Instagram , Twitter and Facebook . And sign up for our weekly Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your next vacation.

Seth Kugel is the columnist for “ Tripped Up ,” an advice column that helps readers navigate the often confusing world of travel. More about Seth Kugel

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