As he investigates Trump's aides, special counsel's record shows surprising flaws

Heartland Payment Systems Incorporated

On the Spot: Travelers need money alternatives when going abroad

In last week's On the Spot column, letter writer Nancy Jones said she was going to London and expressed concern about whether her credit cards would work because they are not Chip and PIN (personal identification number). She said she didn't want to carry a load of cash. What should she do? It turned out to be a more complicated answer than I expected, but I did find a card that I think will work.

The issue with many U.S. credit cards is that they use a magnetic stripe. In many parts of Europe, Asia and Latin America, the standard is a smart card or EMV, short for Europay, MasterCard and Visa. Many of those cards use a PIN.

U.S. cards are beginning to come with a smart chip,...

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