【攻略】出境嗨购，您对信用卡密码这些事儿了解多少

Core Viewpoint - The article emphasizes the importance of understanding credit card usage and password management for overseas transactions, highlighting the need for chip cards and the various payment methods available abroad [1][3]. Group 1: Credit Card Usage Abroad - The main methods for overseas credit card payments are contactless (tap) and chip card insertion. It is recommended to apply for a chip card as many merchants in regions like Europe, Japan, and Australia do not accept magnetic stripe cards [1]. - When making online payments on foreign websites, users may encounter 3DS payment verification, requiring a dynamic password sent to the registered mobile number. It is crucial to ensure that the mobile number registered with the bank is correct and accessible while abroad [1][2]. Group 2: Password Management - The requirement for a password during overseas transactions depends on the merchant and acquiring institution's settings. Some merchants allow transactions without a password, while others may require a 4-digit or 6-digit password [3]. - If a password is required, users can input their domestic payment password (6 digits) or the first four digits for verification. Continuous incorrect password entries may lead to card locking, which will automatically unlock the next day [3][7]. - Users can reset or modify their credit card transaction password through the bank's mobile app or WeChat service [5][7]. Group 3: Additional Tips - Users are advised to keep their credit cards and passwords secure and to contact the bank's service hotline if they encounter issues while using their cards abroad [9].