Overseas card-free payment lock is a function to restrict cardholders from making card-free consumption and pre-authorized transactions abroad. After this function is enabled, the cardholder's credit card cannot conduct online and offline transactions abroad. This function allows cardholders to select 1-3 commonly used countries where ATM withdrawals and POS consumption transactions can be conducted. For other unusual countries, credit cards will refuse to make transactions (excluding cash withdrawals without cards and codes). The purpose of overseas payment lock without card is to improve the security of credit card and prevent unauthorized overseas transactions, thus protecting the cardholder's funds.