在出境之前需要注意以下4方面问题： In the exit before need to pay attention to the following four aspects:

　　1、先咨询发卡银行是否已开通您目的地的用卡服务，请在卡片背后的签名条上签名，为确保受理。

1/Consult the hairpin bank is opened your destination by card service,Please in card behind the article signature sign,To ensure that accepts the.

　　2、建议设置银行卡的消费金额短信提醒或余额提示，以便于在第一时间获知卡内金额变化，发现异常应马上致电银行。

2/Suggest setting bank card consumption amount text-message reminders or balance tip,In order to learn that card in the first time the amount of change within,Abnormal should call the bank.

　　3、信用卡如果太久没有使用，需要在出远门之前试用一次或去银行咨询，以避免无意中受损，导致无法使用。

3/Credit card if too long is not used,Need out of town before a trial or go to a bank consultation,In order to avoid accidentally damaged,Cause is not able to use.

　　4、如果您在临行前申请了调高临时额度，需要注意，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。

4/If you before departure for adjustable high temporary quota,Need to pay attention to,The period of validity of the interim limit is usually 1-3 months,This month the consumption of temporary quota money next month must be a paid off,Otherwise, they will be bank considered malicious overdraft.

　在境外时需要注意以下5方面问题： Abroad during the need to pay attention to the following 5 aspects:

　　1、在国外消费时，注意商户门口的信用卡标志，如果门口有银联、 Visa 、 MasterCard等信用卡标志，就代表这家商店可以接受信用卡刷卡。

1/In foreign consumption,Pay attention to the commercial credit card mark,If the door has a union pay/ Visa / MasterCard credit card mark etc,Represents the shop can accept a credit card.

　　2、在操作过程中需要注意：(1)保护个人信息和您的卡片密码，输入密码时，建议用手遮住密码键盘，防止被远程摄像；(2)遗失卡片请立即致电发卡银行进行口头挂失，回来后切记办理有关书面手续。

2/In the operating process need to pay attention to:(1)To protect personal information and your card password,Password when,Suggest using hand password keyboard cover,Prevent by remote camera;(2)Lost card please immediately contact hairpin bank to make an oral report the loss of STH,Come back remember the relevant written procedures.

　　3、银行卡保管需要注意：(1)不能把身份证复印件随便交予他人保管；(2)刷卡单据不能随意处理；(3)保护好信用卡背后的三位数字。

3/Bank card keeping need to pay attention to:(1)Can't just keep copies of id card to others;(2)Credit card documents cannot optional treatment;(3)To protect the credit card behind the three digits.

　　4、在商场购物时需要注意：在境外消费时，信用卡签单上有三栏金额：基本消费金额(BaseAmount)、小费(Tips)及总金额(Total)。你可在“小费”栏填写支付小费金额，加总后填入“总金额”栏内，最后签单。

4/Shopping in the mall when need to pay attention to:In the consumption abroad,Credit card sign the bill three sum:Basic consumption amount(BaseAmount)/tips(Tips)And total amount(Total).You can be in"tips"Column to fill in the amount of tipping,And logistic fill in the"Total amount"column,The last sign the bill.

　　5、若发生错误或取消交易时需要注意：(1)把错误的签账单当场撕毁；(2)如果商家使用的是电脑联线刷卡终端，请要求销售员开立一张抵消签账单以抵消原交易，再重新进行一次交易，或取得商家的退款证明；(3)签账单要妥善保留，除了以备日后查核外，也可避免被仿冒使用，请确认签账单是否有两份重叠，尽量不要让卡片离开你的视线范围。

5/In case of error or cancel when trading need to pay attention to:(1)The wrong to sign the bill on the spot tear up;(2)If businessmen use computer on-line card terminal,Please ask salesman to open a offset to sign the bill to offset the original transaction,A trading again,Or get the refund of businessman proof;(3)Sign the bill to properly keep,In addition to the later check,Also can avoid being fake use,Please confirm whether there is a sign the bill two overlap,Try not to let card from your line of sight range.