[请教]  IEEE会员缴费过程中的 $0.03 怎么处理？会降低我的贷款信用吗？

    2017-01-14 我从网上给 IEEE 缴纳今年的会员费。在这个过程中一共出现了 3 次收取  $0.01 。

    前天这 $0.03 还没有形成账单，因此不能用人民币支付这 0.03 美元。

    请问：

（1）这 $0.03 美元的金额，还需要我进一步关注吗？

（2）这 $0.03 美元的金额，会因为没有按时还款而降低我的贷款信用之类吗？

（3）我该 VISA 卡的“境外网上支付”已经关闭，还需要重新开通“境外网上支付”吗？

    我打电话问过 95588。可是 95588 讲解得太专业，我听不懂。到现在也不知道“这 $0.03 美元的金额”会给我带来什么麻烦？

感谢您的指教！

感谢您指正以上任何错误！

附录：

IEEE uses "Tokens" to protect their customer base.

     To help safeguard credit card information from the risk of stolen identity or unauthorized access, IEEE no longer stores credit card numbers in its own systems. Instead, a third-party vendor that specializes in securing financial data and processing credit card charges now stores the numbers.

     For security, the vendor creates so-called “tokens” randomly generated numbers associated with each card. When a person makes a purchase with a credit card, IEEE submits the order to the third-party security vendor using the token number. The vendor then finds the associated card in its system, processes the charge, and sends IEEE a confirmation of payment.

     For the best practice, tokens are validated before each purchase on www.ieee.org in addition, tokens associated with the saved credit cards are validated on a yearly basis. As part of the validation, a temporary charge of $0.01 US is placed on the card associated with the token. This charge is refunded within 1-3 business days."

附上 IEEE 的原件：

IEEE uses  Tokens  to protect their customer base   Token.pdf