What should I pay attention to when I use my credit card to withdraw money abroad?
1. Remind merchants to use UnionPay channel before swiping their cards.
At present, there are two kinds of credit cards issued in China: single currency and dual currency. Some dual-currency cards jointly issued by UnionPay, Visa and MasterCard can also take the UnionPay channel overseas. Cardholders remember to remind merchants to use the UnionPay channel before swiping their cards, which can save a money conversion fee.
2. Check the ATM location before going abroad.
Many foreign ATMs will not stick the UnionPay logo. Cardholders can find the location of foreign ATMs on UnionPay's website before going out, and then go directly to the designated bank's ATM to withdraw cash.
3. If it is a four-digit password ATM, please enter the first four digits.
In China, debit card passwords are generally 6 digits, while ATMs in many European countries are 4 digits. Cardholders can directly enter the first four digits of the domestic password and withdraw cash directly.
4. You can get the card within three days after swallowing it.
If the bank card is lost abroad, the cardholder can immediately call the domestic card-issuing bank to report the loss and wait until he returns home to apply for a new card. In case of ATM card swallowing, you should go to the ATM branch to handle the card receiving procedures with valid documents such as passport within 3 days from the day after the card swallowing (postponed in case of holidays). If the card is not received within 3 days, the card will be destroyed, and the cardholder can apply to the issuing bank for a replacement card after returning home.
5. Cash support service can be used in case of emergency.
In case of emergency abroad, cardholders can use overseas emergency cash support services. Cardholders can call the customer service hotline of the domestic issuing bank or the customer service hotline of UnionPay for overseas application, and then go to the emergency cash support network to collect cash. Emergency cash support can be completed on the same day at the earliest.