Four in five of Brits are worried about possible fraud if they use their cards overseas with many (60 per cent) choosing to carry cash instead.

Card cloning tops the list of fraud worries (46 per cent) followed by card not present fraud (42 per cent) among a sample of 1,700 Brits quizzed on behalf of marketing and travel assistance services firm CPP earlier this month. The survey follows recent figures from banking ssociation APACS that show fraud abroad accounts for 39 per cent of theft and fraud on UK-issued cards. International fraud losses rose from £117.1m in 2006 to the £207.6m level in 2007, a big rise that helped push overall losses up to £535.2m.

In the period from June 2007 to June this year, no less than 7000 cards were reported stolen from Brits abroad, according to the research.    Kerry D’Souza, card fraud expert from CPP, said: "We are urging Brits to be particularly vigilant when they travel abroad this summer.  When relaxing on holiday, people can be less aware of their belongings and more prone to card fraud and mugging scams. We are encouraging people to contact their banks before travelling, to keep their valuables out of sight once abroad, and to be especially careful when they use their credit and debit cards."

According to card and payments association Apacs, paying with plastic is very popular abroad – in 2007, card purchases accounted for 50 per cent of all overseas spending.  However, Apacs highlights the fact the introduction of Chip and Pin technology in France and Spain have cut card fraud.  Sandra Quinn, director of communications at APACS, added: "As a nation we are all using our cards more frequently abroad so it pays to be aware of any extra costs that may be incurred for using them overseas, as well as taking steps to protect them from fraud. "Card thieves are hoping to catch us relaxed and off-guard when we are overseas, so we need to take the same sensible precautions with our cards abroad as we would in the UK."

However, the majority of card fraud occurs when card details are stolen in the UK, and used fraudulently abroad.  Fraudsters copy the magnetic stripe details, typically by skimming cards, then create fake magnetic stripe cards that they use overseas in countries that do not have chip and PIN.  CPP advises travellers taking their cards to keep them in a safe if they are in your hotel room and keep your eye on them when you are out and about. The firm also recommends telling your bank if you are away – some will stop your account if they see 'suspicious activity', which may include overseas transactions.