——Protect the magnetic stripe of your bank card. Thin magnetic strips are loaded with information and are easily magnetized. Therefore, never put credit cards together with magnetic objects such as mobile phones and PDAs. It is also best not to place bank cards close to each other.
——For bank cards that have not been used for a long time, it is best to go to the bank to try it out in advance. Any problems can be solved immediately. Otherwise, it will be very embarrassing if you cannot swipe the card when you are out.
——Try not to swipe your card multiple times within a few minutes. This will be considered by the computer as "card theft" and the payment will be refused. In order to prevent repeated fraudulent use of credit cards, banks often set up early warning barriers for multiple credit card swipes in a short period of time during the card acceptance process.
——Card transaction receipts must be properly kept. Whether you are using the card at your place of residence or traveling out of town, if repeated deductions occur due to bank card transactions across banks or regions, you should immediately contact the card-issuing bank with the transaction receipt.
——After a long vacation, it is necessary to reconcile the accounts in time. Cardholders should check their bank card statements in a timely manner after receiving them. If they need to check the bank card statement, they should check it through the bank's customer service center within 15 days. The longer it takes, the greater the difficulty in checking it. Because once the prescribed time limit is exceeded, the card-issuing bank has no right of investigation and recourse against the acquiring bank. The national uniform numbers of the customer service centers of major banks are: Bank of China 95566, ICBC 95588, Agricultural Bank of China 95599, and Bank of Communications 95559.
——For citizens who want to travel abroad, it is most convenient and safest to apply for an international card. However, it takes a relatively long time to apply for an international credit card. For example, the Bank of China Great Wall International Credit Card takes 12 working days. General customers can apply for an international debit card without overdraft, and it can be processed in 5 days.
——There are some tips for using international cards abroad. For example, payment abroad requires signature authorization without passwords or certificates. Therefore, the first thing citizens should do after applying for an international card is Sign your name in the signature box above the magnetic strip on the back of the card in a way that is difficult to be imitated. In addition, it must be distinguished that international credit cards encourage cardholders to use bank money for consumption first. Therefore, if domestic residents who are accustomed to saving money first and then spending money first deposit foreign currency into the credit card, there will be no interest; while international debit cards will not charge any interest. You deposit money first and then spend it. Foreign currencies deposited into this card will earn current interest.