Earl, you definitely need to let USAA know what your travel plans are, they will cut your card off. You can do it online too once you have your travel plans (tickets) made. I suggest using BPI for ATM transactions, it is the only one I know of that allows you to take 20,000P in one swipe so you can save on the fees. Never had a problem using the debit card for any purchase in a store, just tell them to treat it as a credit card, if they try debit it won't work. No need to worry about how it shows up on your statement, it will reflect as a debit, it just has to do with the PIN number at the point of sale, their readers can't reach that far.