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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