Rosa ： Wow! You also have a VISA debit card issued by the post office. Liz ： Yep. It has all the basic functions of a typical chip card, but it can also be used as a credit card at home and abroad. Rosa ： It’s really convenient. I use mine at stores and restaurants or when I charge online purchases via mail order or from home shopping channels. Joyce ： How can the card be used overseas? Liz ： When you go abroad, just look for vendors with a VISA sticker, and you can use the card to buy things. Or you can go to any ATM with the VISA logo, enter your six-digit VISA password, and get cash in the local currency. Rosa ： Even better is that you get a cash rebate. The rebate is at least 0.5 percent of every purchase made. Joyce ： That’s a lot more practical than accumulating reward points! Rosa ： It’s also impossible to max out the card! You can’t charge more than your balance, so there’s no way to overdraw your account. Liz ： So you never run into having to pay really high revolving interest on card debt! Rosa ： Right. The post office also holds a number of promotions.             Joyce ： That sounds great! I want to go the post office right now to sign up for a card.       Rosa ： 哇！你也有郵局的VISA金融卡！     Liz ： 是啊！除了具備了一般晶片金融卡的功能，國內外都可以刷卡喔。     Rosa ： 沒錯，真的很方便，在一般商店、餐廳，或是網購、郵購、電視購物等線上刷卡消費，我都用這張。     Joyce ： 出國要怎麼用呢？     Liz ： 到國外時，只要是貼有VISA標誌的特約商店，都可以刷卡消費，也可以在貼有VISA標誌的ATM，輸入6位數VISA密碼，就可提領當地貨幣喔！     Rosa ： 更棒的是……有最實用的現金回饋，回饋金至少有0.5%以上喔。     Joyce ： 耶！比起累積紅利點數，真的實在多了。     Rosa ： 還可以防止刷爆喔！如果帳戶內餘額不足，就不能刷卡消費，當然也不會透支了。     Liz ： 所以也不會有支付昂貴循環利息的問題囉!     Rosa ： 沒錯，而且郵局經常辦各種優惠活動喔!     Joyce ： 聽起來很棒耶！我要趕快去郵局辦一張。