The conclusion is that it is feasible for children to use their parents’ credit cards for consumption abroad under certain circumstances, but they must obtain the explicit consent of their parents and authorization from the bank. The following is a detailed explanation:

In theory, the use of a credit card should be limited to the cardholder himself, and no lending is allowed. However, in practice, the contractual terms of each bank may allow use in special circumstances, for example, if the parents agree, it is possible for the children to use their credit card when going abroad. Before taking action, parents are advised to contact the bank customer service directly for verbal authorization to ensure that the process goes smoothly.

It is worth noting that foreign credit card purchases usually rely on signatures rather than passwords, so it is important to protect your credit cards. When shopping, some merchants may require proof of identity to ensure that the credit card matches the cardholder, such as large shopping malls such as Walmart. However, this is not an absolute requirement and specific circumstances will vary.

For short-term overseas use, consider using your parents’ card. If you plan to stay overseas for a long time, it is recommended that parents apply for an additional card for their children. There are various ways to apply for supplementary cards. The principal cardholder can apply for relatives through online services or directly bring relevant documents to a bank branch, and the supplementary cardholder does not need to be present in person.

In short, although children’s use of their parents’ credit cards requires certain conditions and management, it can be achieved under certain circumstances as long as the relevant regulations are followed and safety is ensured.