British international credit card classification
1. ATM card
This is CashCard from the Bank of England, which is called Cashcard in English. Its main function is to help cardholders access cash in banks or ATMs.
2. Check guarantee card
The check guarantee card of the Bank of England is called the check guarantee card in English. Its main function is to display when a check is used as payment guarantee. The check guarantee card will indicate the guaranteed amount, that is, the maximum amount that the cardholder can write a check at a time.
3. Debit card
Debit cards of British banks, called debit cards in English, are mainly used to help cardholders swipe their cards in shopping malls, so that the expenses spent by cardholders will be directly deducted from the corresponding accounts through bank settlement. (British banks will combine the above three cards and unify the above functions into one bank card for the convenience of customers. )
4. Credit card
Credit cards of British banks, called credit cards in English, are mainly used for overdraft consumption. If international students have a good credit record, after application and examination, the Bank of England will provide a credit card for international students, allowing them to overdraw some funds from it and then repay them regularly.
5. Current account
The cash account of the British bank, called Currentaccount in English, is mainly used for daily expenses, with little or no interest.
6. Savings account
The deposit account of the British bank, called Savingaccount in English, is mainly used for deposit, with high interest, but it can't pay checks. If you need to withdraw cash, you need to make an appointment with the bank in advance.
7. Overdraft
Overdraft is called overdraft in English. Generally speaking, banks in Britain support overdrafts. International students can negotiate with the bank if they need to overdraw. Some banks will agree to provide a certain amount of free overdraft for international students, while more banks will require paid overdraft, which means that international students have to pay overdraft interest in advance.
Matters needing attention in using international credit cards
I. Maintenance of International Cards
The magnetic stripe of a bank card records a lot of customer information and is easily magnetized. Therefore, mobile phones, PDA cards and other magnetic items should not be put together, and it is best not to put them next to each other.
Second, in the process of using the card.
Before going out, you should bring your bank card to try it out in advance and solve the problem as soon as possible. Try to avoid swiping your card many times in a short time. After using the card, keep the transaction slip properly.
Third, the calculation of interest.
International credit card is a credit card that encourages cardholders to spend money from the bank first, so customers who are used to saving money before spending will have no interest if they deposit foreign currency in the international credit card first; International debit cards save money first and then spend it, so there is current interest on saving money.
Fourth, pay attention to money.
When you swipe your card abroad, pay attention to the currency of the purchase order. For example, there is a big difference between the decimal values of yen 1 yuan and dollar 1 yuan.
Verb (abbreviation for verb) consumer shopping
When purchasing, the merchant will ask you to sign the transaction documents. Before signing, please check whether the amount is correct, and then sign. The name on the signature should match the name and handwriting on the credit card. Don't sign a blank or incomplete bill.
Six, hotel car rental
Hotel accommodation and car rental are different from the general consumption of credit cards. At the time of booking, the hotel will generally ask you to provide your credit card number as the basis for the reservation guarantee, and confirm your reservation number when you check in. If you want to cancel your reservation, you must ask the hotel for the check-out cancellation number as a proof of cancellation. When you check out, fill in the consumption amount on the bill, and then you can sign the bill. Renting a car is similar to staying.
Seven, return.
This is the usual practice in credit card transactions. As long as you sign the bill, you confirm and have the obligation to pay this amount. If you need to return the goods, please communicate with the store first. If you want to return or replace other products, please ask the store for the original documents.
Eight, online shopping
First of all, try to choose a reputable shopping website. It is best to avoid contact with shopping websites that you have never heard of. Ie browser has provided encryption function at present, especially when shopping online by credit card, the browser will appear a golden key, a small golden lock or a confidential dialog box on the webpage, so you must skillfully use this function when shopping online.
Nine, check the bill
After receiving the bank card statement, check it in time. If you need to check the account, you should call the customer service center within 15 days after receiving it.
Ten, pay attention to theft.
A stolen credit card may be fraudulently used, which will have a very bad influence on your reputation. Therefore, if you lose your card, you must report it immediately. Even if the credit card has never left the side and is watched by others, there may be problems. Therefore, the bank should send the statement and password notice to a safe address. You can't throw it away after reading it. Keep it a secret.