International credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn. The common credit card brands in the world mainly include Visa and Master Card.
Extended data:
Matters needing attention in using international credit cards
1. Adjust the credit card limit.
Usually, the credit cards given by banks are relatively large. For example, my credit card limit is close to 20 thousand yuan, so I don't need it at ordinary times. In case my credit card is lost, it will cause a lot of unnecessary losses.
Therefore, individuals can manually adjust the credit card limit, for example, set a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so that changing the credit card consumption limit is limited to this limit, and the risk is much smaller. When more restrictions are needed, you can modify them back manually.
2. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
3. Security comparison between signature and password
Taking signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as you know the cardholder's name, card number, credit card validity period and inquiry password, you may be stolen.
Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
4. Lost or stolen credit cards
Before you apply for a credit card, you must first understand the credit card risk terms of the bank. Don't apply for credit cards from some high-risk banks. These banks usually transfer the credit card risk to the cardholder, so that the cardholder can bear the loss after the credit card is lost and stolen. A good bank promises to bear the stolen loss within 48 hours before reporting the loss.
Therefore, once the user finds that the card is lost or stolen, he should immediately contact the bank to report the loss.
Baidu Encyclopedia-International Credit Card