International credit cards are in Chinese. The international credit card signature is consistent with the signature on the signature field on the back of the card. As for the capitalization of the pinyin of the name, it is only used when making purchases on overseas websites or for pre-authorization. As long as it is a credit card that requires a handwritten signature, it must be in Chinese, regardless of whether it is domestic or foreign. However, if a signature is required on other occasions overseas, such as airports, banks, etc., the same signature as in the passport must be used.

An international credit card is a card issued by banks and international credit card organizations to people with good credit who can make overdraft purchases around the world. The card is also used to confirm the user's identity on the international network. .

International credit card applications can be completed at domestic banks. Usually international credit cards use US dollars as the settlement currency, and foreign currency purchases using UnionPay cards overseas are settled in RMB.

Usually international credit cards use US dollars as the settlement currency. When you use UnionPay cards in foreign currencies overseas to debit in RMB and settle in RMB, there is no need to purchase foreign exchange for repayment. Almost all bank cards with the "UnionPay" logo that are used daily in China can be used overseas. [International credit cards can be used for overdraft consumption (consumption first and repay later). The more common credit card brands in the world are Visa, MasterCard, etc. All major domestic commercial banks also offer international credit card services, which can be easily used at the bank. Apply for a credit card at the counter. There is no interest on deposits on international credit cards.

Notes

Many banks have their own unique international credit cards, but please note that before applying for a credit card, you should first understand the bank's credit card risk terms. If the credit card is lost or stolen, you should Contact your bank immediately to report the loss.

1. Adjust the credit card limit

Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20,000 yuan. Normally, I cannot use this much. If the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the limit of the credit card. In this way, the consumption limit of the credit card will be limited to this limit, and the risk will be much smaller. When it is necessary to change If there is a large amount, you can also manually modify it back.

2. Turn off the ATM withdrawal function of your credit card

Using a credit card to withdraw money from an ATM is basically useless, and the interest rate is astonishingly high. Once the credit card is stolen, it will bring more risks. , so it is recommended to turn off the withdrawal function of your credit card.

3. Which is more secure, signature or password?

Using signatures as credit card consumption vouchers is the mainstream in the international banking industry. From a security perspective, this kind of credit card does not require a password. You can make purchases with just a signature, especially through online banking. Generally, as long as you know the cardholder's name, card number, credit card expiration date and query password, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility for keeping the password is transferred to the cardholder, which means "you are responsible for the loss". Once a credit card is used fraudulently, the rights and interests of cardholders who use signatures can often be better Good protection and compensation.

4. Credit card lost or stolen

Once the user discovers that the card is lost or stolen, he should contact the bank immediately to report the loss.

Take a credit card of a certain bank as an example. After a certain credit card is lost or stolen, the time when the loss is reported is used as the starting point. Any misappropriation losses that occurred within the previous 48 hours can be applied to a certain bank for compensation. Bearing losses within the credit limit due to theft, the maximum annual protection for regular card holders is RMB 10,000, and for gold cards is RMB 20,000. The losses borne by a bank do not include transactions conducted with passwords.

The less than 3-digit number on the credit card signature strip, called CVV2, must not be known to anyone. When you usually go to a physical store to swipe your card and not use it, seal it with tape to avoid the risk of being swiped.