If you want to use an international credit card in Shenzhen, you need to withdraw the funds in the card from the bank. However, it should be noted that when international credit cards are withdrawn in China, banks will convert them from euros or pounds into dollars, which may cause some costs due to exchange rate differences.
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Matters needing attention in using international credit cards
1. Adjust the credit card limit.
Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand yuan, which is generally not needed. In case the credit card is lost, it will cause a lot of unnecessary losses, and individuals can manually adjust the credit card limit.
For example, in the credit card quota adjustment of China Merchants Bank Online Banking Professional Edition, a limit is set to limit the credit card consumption quota within this limit, which is much less risky. When more restrictions are needed, you can modify them back manually.
2. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
3. signature is more secure.
Signature is the mainstream of international banking. From a security point of view, this kind of credit card does not need a password, but only needs to be signed, especially through online banking. Generally, as long as you know the cardholder's name, card number, credit card validity period and inquiry password, you may be stolen. Therefore, many cardholders in China think that passwords are safer than signatures.
However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
Baidu Encyclopedia-International Credit Card