Who are these "experts"? Which type of card are you talking about?
I use Nationwide Debit Card for cash withdrawals from ATMs and I also have a Nationwide Credit Card for purchases.
A couple of times in Feb/March this year my NW debit card could not withdraw cash. I had to telephone Nationwide to confirm it was me who was using the card and to get then to "unblock" the card.
This was all after I'd notified them of the dates of my travel plans. They said that even though I'd notified them prior to my trip, they needed to know it was actually me making the cash withdrawal. They classed the Phils as being a "card fraud Hot Spot".
The card was usable about 10 mins after I'd made the call to Nationwide.
