Personally, I think it should be nothing, as long as I know the password of the card and can sign it. If outsiders don't participate, they won't take care of things that are not within their responsibilities. And you can withdraw money directly from the bank over there (visa is generally supported) by credit card, but there will be a handling fee, which is five thousandths of the cash withdrawal amount.

-

Credit card repayment can be operated in different places, as long as you go to the credit card bank. Now you can also use online banking for repayment, which is very convenient.