The company also emphasised that it is one of the few financial firms to offer free plastic use to people heading abroad.
Jeremy Wood, division director at Nationwide said: "Couples who are planning to go abroad for a romantic getaway this Valentine's Day should be aware of the hidden charges that most card providers impose, which are both costly and unnecessary."
Nationwide's warning has come after life assistance company CPP also urged consumers to take care with their credit cards.
The firm stated that people need to contact their bank immediately when they believe they have lost their cards to avoid becoming victims of fraud.
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