境外用卡安全多留心 Overseas card to pay attention to safety

　　在境外用卡，很多人可能会不那么谨慎，忽略刷卡安全，不走运的话很容易遇上盗刷。例如，在东南亚地区信用卡盗刷现象是很严重的，所以要尽量选择大型商场、酒店、机场等大型商户处刷卡，避免在小商户刷卡。

In overseas use card，Many people may not so careful，Ignore charge safety，Unlucky words is easy to meet for unauthorized。For example，In southeast Asia area credit card for unauthorized phenomenon is very serious，So to try to choose the large market、The hotel、The airport and other large merchant place machine，Avoid small businesses in the machine。

　　据了解，在东南亚国家的商场，每个品牌柜台都是有独立的POS机，POS机被做手脚是很轻易的，而在一些小商户那里刷卡导致持卡人信息被盗取的风险更大。

According to understand，In southeast Asia market，Each brand is independent of the counter POS，POS machine is very easily beforehand，And in a few small businesses in the cardholder information card there a greater risk of being stolen。

　　业内人士提醒，境外刷卡大多未设密码，因此被盗刷的机会一直会存在。如果在国内刷卡，需要注意不能把身份证复印件随便给人、刷卡单据不能乱丢、身份证和卡片分开存放、保护信用卡后三码等事项，在境外同样不能大意。

The personage inside course of study warns，Most foreign credit card does not have a password，So the opportunity has been stolen brush will exist。If in the domestic credit，Need to pay attention to can not copy of id card literally to people、Credit the documents can't throw、Id card and card in separate places、Three yards after credit card protection etc，In overseas can be also be careless。

　　建议给银行卡设置消费金额短信提醒或余额提示，让你可以在第一时间获知卡内金额变化，发现异常应马上致电银行；出境刷过信用卡的消费者，回国后及时与银行联系，让银行及时更新消费者信息，甚至更换信用卡磁条，防止被盗刷。

Suggestions for bank card set consumption amount message to remind or balance tip，Let you can learn that card in the first time changes in amount，Abnormal should immediately call bank；Exit brushed credit card customers，Back in time after contact with the bank，Let the bank to update the consumer information，Credit card or change of magnetic stripe，Prevent stolen brush。

境外刷卡还款有技巧 Foreign credit card payments skills

　　在境外用信用卡刷卡消费了，一定要及时还款。业内人士提示，还款是有技巧的。像现在汇率市场波动较大的时期，如果人民币相对升值，那么到境外刷卡，回境内后用人民币还款；如果人民币相对贬值，回境内后用目标国家或地区的外币还款更划算。

In overseas use credit card，Must seasonable reimbursement。Industry insiders hint，Repayment is skills。Market volatility is like now exchange rate of the period，If the yuan relative to rise，So to credit card overseas，Back to China with the RMB after payments；If the yuan against the dollar，After back to China in the target country or region's foreign currency reimbursement more cost-effective。

　　据了解，并非所有的信用卡发卡行都具备用人民币自动购汇还款的功能，不少银行需要客户还款时存入足够的人民币，再主动打电话给客服要求设置“购汇”业务，才能进行还款。为免造成还款逾期，持卡人一定要向银行咨询清楚。

According to understand，Not all of the credit card hairpin lines with the RMB has the function of automatic purchase for reimbursement，Many Banks need to customers when the RMB deposit repayment enough，Then call customer service required on the initiative“purchase”business，Can reimbursement。To avoid cause reimbursement overdue，The cardholder must be clear to a bank seeking advice。

　　不少持卡人出境游时，习惯于在临行前申请调高临时额度。那就要注意，临时额度的有效期一般是1-3个月，持卡人本月消费的临时额度款项下个月必须一次还清，否则会被银行认为是恶意透支，会被罚收滞纳金，影响持卡人的信用记录。

Many overseas tour card holder，Used to apply for high before departing the temporary limit。That is about to pay attention to，The temporary limit term of validity generally is 1-3 months，This month the temporary limit the cardholder spending money next month must be a pay off，Otherwise, they will be the bank that is malicious overdraw，Will receive fine for delaying payment penalty，Affect the cardholder's credit record。