I found out that I need to call chase before using my card in another state. We were in NC, the card got rejected at a major grocery store. My wife was quite embarrassed. Later I called Chase and they asked why I didn't tell them I was using it out of state? I then said can you ensure that I could use it for the remainder of our trip. They wanted to know which states I was going to be in and for how long? Long time users. I'll be switching cards.