On our travels, we’re bringing a few forms of payment: credit cards, ATM card, and cash, in small and large denominations. For our credit cards, Sheri will carry two cards, our primary card and one other. I will also carry two cards, our primary card and another totally different card than what Sheri has. That way, if either of us has our wallet stolen, we cancel two cards and still have another credit card that can be used until we can get the others replaced.
We thought about doing the same with ATM cards, but concerns with express kidnappings have made me think twice about carrying another ATM card that kidnappers could also drain. In an emergency, we can get a cash advance on our credit card, but only if we have and know the PIN.