Most travelers know it's a good idea to call your credit card company before a trip to a foreign country, so your purchases in Bangkok or Barcelona don't trigger a freeze on your account.

大多数持卡人都知道在出国之前告知发卡行，以免自己在曼谷或巴塞罗那的消费冻结账户。

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The huge expansion in credit card use in recent years has produced a new kind of fraudster - one that will try to exploit any opportunity to reach into almost any credit or debit account that is used to make telephone purchases.

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Joint account-holders are affected equally by all purchases, so your credit score will improve as you use and pay off the card.

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