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“文轩体育课器材室河马”-译文小记

假期出境游 这些文轩体育课器材室河马信用卡用卡安全知识一定要知道

来源: IT之家
2024-12-13 09:13:42

最佳回答

“文轩体育课器材室河马”假期出境游 这些文轩体育课器材室河马信用卡用卡安全知识一定要知道

  随着文轩体育课器材室河马我国旅游市场动能和居民出境文轩体育课器材室河马游意愿增强,国际旅游复苏节奏明显加快。根据中国旅游研究院发布的《中国出境旅游发展年度报告(2023-2024)》,我国2023年出境旅游人数超过8700万人次,预计2024年全年出境旅游人数将达1.30亿人次。

  信用卡因其交易灵活、方便快捷,已成为许多人出境消费的首选支付方式。面对纷繁复杂的境外支付环境,信用卡安全问题成为部分用卡人士头疼问题。元旦及春节假期将至,记者联系了兴业银行信用卡中心相关人士,科普信用卡境外用卡风险,并带来实用“锦囊”。

  境内外用卡有差异,了解规则享安心

  在国内线下刷信用卡时,持卡人普遍习惯使用密码支付,而在许多境外交易场景中,无需验证密码即可完成交易。同时,境外消费采用“先授权后请款”的模式,一旦交易授权成功即代表交易事实成立,商户可随时申请请款入账,银行无法单方面拦截或撤销。

  还需要特别注意的是,持卡人对卡片挂失生效前产生的损失承担偿付责任。发卡行虽可尝试向国际卡组织申请退款服务,但如不符合国际卡组织规则,会存在申请失败的情况。

  安全交易随心设,全天候用心守护

  兴业银行信用卡中心温馨提示,信用卡持卡人在出境前,可根据实际需求通过持卡银行APP或微信公众号等进行卡片安全设置,包括设置卡片可交易时间及金额。

  发生疑似风险交易后,发卡行通常会在第一时间通过短信、微信、电话等形式提醒持卡人,并根据持卡人回复采取相应的风险防范措施。持卡人在出行前可提前告知银行此次行程范围及境外联系方式,在出境期间及时关注短信、电话、微信等实时提醒,并积极配合银行核实相关信息,准确告知卡片状态及交易情况,以免错过挽回损失的最佳时机。

  卡片不借不离身,安全用卡记心间

  近期,已发生多起不法分子利用游客在东南亚国家、中东转机至欧美国家途中偷盗财物,导致游客信用卡遗失,进而出现信用卡被盗刷的情况。持卡人在出行期间应妥善保管好卡片,做到“卡片不借不离身”。

  如发生财物损失可向当地警方报案或寻求使领馆帮助,涉及银行卡交易问题应立即联系银行官方客服,兴业银行信用卡持卡人可及时拨打全国统一客服热线95561,境外客服热线+86-21-38769999。

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