Don't use sketchy ATMs

Stick to ATMs inside banks or shopping centres during daylight hours; skimming happens more often than you'd think at standalone machines. If something does go sideways, head straight to the nearest police station and get a written report—you'll need it for insurance claims or card disputes. In remote border areas, particularly near Pakistan, Myanmar, Laos, Vietnam, and Russia, armed bandit activity's a real consideration, so do your homework before heading that direction. It's the unglamorous stuff that keeps trips from becoming disasters.